As nationals travel, studying abroad and business exchanges become more and more frequent, travel and peacekeeping (travel safety) has long become a necessary risk management tool before traveling. However, in fact, many people still have misunderstandings on the scope of travel security, the conditions for emergency assistance start-up, and the differences with travel inconvenience. The following will disassemble myths and analyze cases from a professional perspective to help you create a "really useful" overseas medical protection website.

Why do you have to buy a travel insurance when you go abroad?

1. Overseas medical expenses are high

In Japan, the United States, Europe and other places, emergency clinics or hospitalization costs NT$100,000, without insurance assistance, which may put family financial in trouble.

2. Unexpected accidents have increased, and the language is not familiar with the medical system. When encountering emergency situations, the overseas emergency emergency services of the Hipingjian can help arrange medical treatment, transfer, and even family exploration in real time.

3. The shortcomings of Taiwan's health insurance and personal insurance can only apply for a refund after returning to China, and the process is complicated. Most personal insurance does not cover overseas sudden medical treatment and emergency rescue, and hiking safety is the guarantee designed for "overseas sudden outbreak".

Travel Insurance Common Myths Cracking

Myth 1: "We have bought a lot of personal insurance, don't you need to buy a travel insurance?"

This idea is not correct.

. Personal injury and medical care only protect local medical care in Taiwan. Although some companies have given overseas emergency rescue services, they are mostly basic projects and the protection is limited. Overseas medical treatment for sudden diseases is to expand the protection.

. The Landing Insurance covers accidental death, disability, overseas sudden illness medical treatment, emergency rescue, etc., and is a short-term guarantee designed for the "outdoor period". Especially the "overseas medical treatment for sudden disease" is recommended to match at least 1 million. If you have no medical records within six months in Taiwan, you can start directly when there is sudden medical demand abroad.

Myth 2: "It's good if you buy a travel and it's inconvenient to have a safety?"

This statement is not complete.

. Travel inconvenience (production goods) mainly protects financial losses such as personal safety, medical care, itinerary delays, luggage loss, and flight cancellation, and mainly provides accurate physical resources for the industry.

. The travel and Ping An (superior products) focuses on personal safety, medical care and emergency rescue, and has focused on the risks of "people" from the very beginning.

The two functions are complementary and neither is missing.

Example analysis: The conditions for starting a safety and emergency assistance in the traveling environment in the Pacific Ocean: The Bali swimming pool was shocked

Xiaofei and his family traveled to Bali Island, Indonesia. His son Xiaotian was unconscious in the swimming pool. The family urgently contacted the insurance company, hoping to start the overseas emergency medical treatment and send it back to Taiwan. However, according to the assessment by the special doctor of the rescue agency, Xiaotian was not suitable for movement at that time and could not start the medical transfer service.

start condition analysis:

. It must be evaluated by a specialist of the rescue agency to confirm that "movement will not cause greater risks to the patient" before it can be activated.

. If the patient's condition is not stable and the forced movement is life-threatening, the professional team will take "unmoving" as the first priority.

Essentials for the start of emergency emergency assistance overseas

Professional and Human Resources and Travel Risks Overseas Emergency Rescue Comparison

How to plan to "completely"?

1. Double planning for travel and travel inconvenient travel

. Travel and Ping An: Ensure personal safety, medical expenses, emergency rescue (including medical specialist delivery, home exploration, physical return, etc.).

. Travel inconvenience: economic losses such as delays in replenishment, luggage loss, and cancellation of flights.

Suggestion: Only by taking out insurance at the same time can we truly "consider human and financial resources" and cover all risks.

2. Choose a 24-hour customer service overseas emergency emergency assistance

. In major accidents or serious illnesses, you can get help from professional medical teams immediately, coordinate local hospitals, arrange medical specialists, and assist family contacts.

. The content of the warranty shall clearly state the "Global Emergency Rescue Service" and the payment process.

3. For the "Overseas Emergency Disease Medicine" guarantee,

, you must add the "Overseas Emergency Disease Medicine" agreement, covering the costs of door clinics, hospitalization, surgery, emergency clinics, etc., and is especially suitable for countries with high medical costs.

4. Specialized shipping service elastic purchase

. Most overseas emergency rescue services that are basically included in the insurance companies are "civil aviation aircraft delivery", and they need to wait for flights and have time restrictions.

. If you need the "Special Medical Delivery" service, you can purchase additionally when you are insured, and the fee is only hundreds of yuan. You can start immediately in urgent situations. You can arrange a special machine to return to Taiwan or redirect the clinic within hours. There is no restricted flight time. It is recommended that high-risk groups must purchase additionally.

5. Adjust the coverage amount based on the travel area and activities

Go to areas with high medical costs, limited medical resources or high activity risks (such as diving, skiing), and increase the coverage amount of medical and accidents.

6. Pay attention to the exclusion of the warranty and the handling process

. Read the terms of the warranty to learn about the circumstances of ignoring payment (such as legal transmission, illegal laws, past symptoms, etc.).

. Make sure to prepare the warranty before going abroad, emergency contact phone, overseas emergency relief card, and inform employees and friends.

The true value of insurance. There is professional assistance at any time in crisis. Many people pay attention to the "small amount payment" such as delays in shifts and luggage losses, and ignore the value of insurance in "major crisis":

When you encounter an accident, a serious illness, or even need a medical specialist to be transferred back to Taiwan abroad, is there any professional team assistance?

Can someone provide consultation and help arrange medical treatment at any time 24 hours a day?

This is the true meaning of travel and emergency emergency assistance in overseas countries.

Create a truly useful travel and travel insurance plan

1. Must be required before going abroad: travel and travel inconvenience and double protection

2. Selection points: There are global overseas emergency emergency rescue, medical expenses actual payment, and 24-hour special assistance.

3. Guarantee planning: Adjust the protection content based on the travel area, travel type, and personal health status, and add overseas medical and specialist delivery services for sudden diseases.

4. Crisis handling: When encountering an unexpected event, contact the insurance company at the first time and handle it according to professional instructions.

When traveling abroad, what you fear most is not small losses, but the fact that no one can help you when you encounter a big crisis. A well-planned travel and travel insurance is the most practical backing for you and your family overseas.