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Attention to unlocking overseas travel in 2024: A quick guide to overseas self-help travel insurance!

Comparing air ticket prices and hotels before going abroad. When buying air tickets, how many kilograms of luggage should be purchased is also a difficult choice. After finally finishing all the chores, I suddenly remembered that I still have insurance! Are you looking at insurance a week before you go abroad? That’s okay, many insurance companies now allow you to apply for insurance online on the website, and you can apply for insurance at the airport at the latest, and one or two hours before departure at the latest! But what exactly should you look for in foreign travel insurance? Is the insurance that comes with buying a plane ticket enough? Read this article for a crash course in buying insurance before going abroad.

Overseas travel safety insurance
There is less than a week left before going abroad, and I still don’t have time to research insurance. What exactly should I look for in travel insurance? We must first know that travel insurance is divided into two parts: travel safety insurance and travel inconvenience insurance. Let’s talk about travel safety insurance first. Its coverage is related to our personal safety. For example, if we have an accident in a car accident overseas, or if we have gastrointestinal discomfort after eating a lot of delicious food, we will eventually be sent to the hospital for emergency treatment. To put it simply, it means that an individual encounters an accident or illness. , situations that need to be sent to local medical institutions for treatment, then the above two situations will depend on the two protection items mentioned next: accidental injury medical care and overseas sudden illness. Accidental injury medical care is to protect accidents that occur overseas, such as Accidents other than diseases such as car accidents and fires will cause us to have to go to local medical institutions for treatment. Overseas emergencies refer to the expenses of going to local medical institutions for treatment if we become ill abroad.

5. "Sudden illness" means that the insured person is not for the purpose of obtaining overseas medical treatment and has not received diagnosis, treatment or medication for the disease within 90 days before each trip abroad, and needs to be treated immediately in a hospital or clinic Only treatment can prevent diseases that damage the body's health. If the disease occurs again after being completely cured by treatment, it will also be regarded as a sudden disease.

Just pay special attention to whether you have notified yourself within 90 days before going abroad! If you count on your fingers and find that the date of your latest diagnosis is less than 90 days from the date of your departure abroad, then you will be excluded from the coverage of overseas sudden illness... Like Judy... then you can refer to it Judging from Judy's approach: It doesn't matter whether there is protection for notifiable infectious diseases or not. We directly buy another company and change the focus to the same protection items and protection amounts, but the total premium is lower, so that we have CP value.

 

Buy air tickets with your credit card and get insurance, here are three key points you must know
"Can I use the insurance that comes with my ticket when I buy it with a credit card?" It can be used, but how? What can be used? Let’s take a look at the coverage qualifications, coverage duration, and coverage items.

First, let’s talk about the protection qualifications. The insurance that can be purchased with a credit card as a gift can only protect the cardholder himself, his spouse or his unmarried children under the age of 25, and the cardholder must use the card to pay the full fare for public transportation. Or more than 80% of the travel agency fee can be protected.

It is also popular in Taiwan to take a cruise to Japan. However, as you can see from the terms and conditions quoted below, the so-called "public transportation" does not include transportation dedicated to cruise ships/tour buses/tourist attractions. If you are traveling on a cruise ship, you should pay attention to this Transportation is not covered.

"Public transportation": refers to commercial passenger aircraft (including overtime flights and charter flights) or water or land public transportation that are registered and approved by the local government and are used by unspecified people or groups and travel on fixed routes and routes. However, it does not include those used for sightseeing rather than regularly carrying passengers (such as Star Cruises/tour buses/transportation vehicles dedicated to tourist attractions, etc.), those limited to specific groups or individuals (such as presidential charter flights, military aircraft), domestic Mass Rapid Transit System, Maokong Cable Car, buses jointly operated by counties and cities, and cable cars at Sun Moon Lake and Formosan Aboriginal Culture Village, etc.