With the coming of summer vacation, more and more children are preparing to study abroad. At the same time, students and parents who have been studying abroad for a long time have begun to prepare for going abroad, from towels and toothbrushes to luggage and clothes.
When international students go abroad, they should not only bear the academic burden, but also experience the tempering of independent life. What protection do foreign students need?
For children studying abroad and studying abroad, the whole process of studying abroad requires a lot of financial preparations, including study abroad loans, study abroad insurance, financial guarantee and so on. Among them, the arrangement of insurance protection is essential.
Buy special student insurance for studying abroad.
For overseas students, parents are most worried about their personal safety. Therefore, it is necessary to buy an insurance for international students. So, how should the insurance plan for international students be planned?
If you are studying abroad for a long time, parents should first confirm whether the school can provide insurance agency services for their children, and give priority to the compulsory or recommended student insurance plan in the country where you study. Some schools provide foreign students with the service of purchasing local insurance in their study abroad plans, which is very convenient. If the school does not provide similar services, parents need to choose a domestic insurance company with overseas service experience before going abroad.
In addition, some countries require people who go abroad to buy insurance with a specified amount before applying for a visa, so they need to consult the visa requirements of the destination country before applying.
Take two steps to get through the insurance blank period smoothly
Generally, local schools will recommend or enforce local insurance plans. However, there will be a blank period of protection after international students arrive at their places of study before the local insurance they purchase takes effect. This blank period generally does not exceed one month. An overseas travel insurance of only a few hundred yuan will avoid medical expenses as high as 10,000 yuan abroad and get timely rescue services. It is recommended as a must-buy for international students before going abroad.
Generally speaking, the visa for studying abroad is signed for 90 days, and it must be renewed at the local consulate before it expires. To this end, you can purchase 90-day overseas travel (study abroad) insurance in China while applying for a study visa. In this way, even if you have just arrived abroad, you can enjoy comprehensive protection such as accidents, emergency treatment and hospitalization, as well as overseas rescue services. Before the insurance is about to expire, you can ask overseas students with purchasing experience or relevant institutions of the school to continue to buy insurance products locally as a follow-up guarantee.
Compared with domestic general medical insurance or accident insurance, overseas travel (study abroad) insurance has taken into account the differences of medical expenses in different countries in product design, and the compensation level is relatively higher. In addition, overseas travel insurance also includes international rescue services, which is more suitable for foreigners to buy.
International emergency rescue is actually a series of services, which are very practical for international students or tourists who have just arrived overseas. In case of accidents or other unexpected situations abroad, you can get all kinds of assistance through the 24-hour multilingual rescue hotline, including calling the nearest medical institution for treatment, providing the address of the nearest online hospital, arranging hospitalization, paying medical expenses, looking for lost luggage or documents on your behalf, and even providing information about surrounding restaurants and hotels. A phone call can get all kinds of very practical information and caring services, and it will be like giving timely help in case of emergency.
Another option is to buy global medical insurance in China, and you can enjoy medical insurance in many countries within one year. You don't have to buy it separately after going abroad, but the cost is relatively high.
No matter whether you buy overseas travel (study abroad) insurance or global medical insurance, international students should carry their insurance cards with them after purchasing insurance in case of emergency. In case of accident, all relevant documents should be properly kept, such as hospital diagnosis certificate, accident certificate, original receipt of medical expenses, etc. , to ensure the smooth progress of claims. If you buy overseas travel insurance, there will usually be an international rescue organization cooperating with the insurance company to help you complete the reporting, rescue and claim settlement process.
Tips: considerations for overseas travel (study abroad) insurance products
Experts suggest that international students, parents and friends can mainly consider the following aspects when choosing overseas travel (study abroad) insurance products: the amount of protection and the corresponding rate level, their own premium budget; Security items and their details, such as whether the expenses of self-funded medical services for studying abroad can be reimbursed, whether it includes dental clinic expenses, whether it covers high-risk sports and leisure projects, and whether it includes terrorist liability insurance. ; The degree and rationality of the scope of exclusion; Whether there are more targeted protection items, such as "school interruption insurance" (the loss of the insured's inability to continue studying abroad due to illness, accident or death of immediate family members, and the tuition fees paid cannot be refunded); The strength of cooperative international relief organizations; Wait a minute.
Short-term study tours need to be insured in advance.
Short-term overseas study tour, "childlike innocence has not disappeared for thousands of miles", and children are generally young. Overseas insurance is even more important at this time.
There are many insurance institutions in the market, and parents don't know how to choose at the moment. Coupled with the lack of understanding of the insurance industry, parents often go astray to buy safe insurance for their children, because what parents value most is the safety of their children. As soon as they saw the word peace, they were relieved. In fact, parents don't know that ping an insurance is only the most basic guarantee. Only when an accident occurs during the trip, resulting in injury or lifelong disability, can you get a compensation. This basic insurance obviously does not meet the requirements for children to travel alone. A good insurance, in addition to the above insurance content, should also include foreign 24-hour emergency rescue, cold and fever and other minor illnesses of medical security. Parents can choose the appropriate insurance for their children according to their own wishes.
Medical expenses abroad are more expensive. A minor illness like a cold costs hundreds of thousands. Children studying abroad are young and have poor self-care ability. Therefore, for the safety of children, it is necessary to buy an insurance suitable for children.
Secondly, due to the increasing number of people going abroad, in order to better protect the safety of tourists, embassies in many countries generally have to show travel insurance when applying for visas. Therefore, children who want to study in the United Kingdom, the United States, Australia and Canada must have study abroad insurance in order to successfully complete the verification and application process.
For the safety and health of children, it is necessary to buy international travel insurance even for children who travel for a short time.
Insurance trends: the insurance industry quickly settled claims for the "Oriental Star" accident.
After the "Oriental Star" passenger ship accident, various insurance institutions quickly opened a green claim channel to help the families of the victims.
On the morning of June 3rd, Gu Wei, Assistant President of PICC P&C Insurance Company, paid the first advance payment of RMB100000 on behalf of China People's Insurance Company. Upon verification, PICC P&C Company has confirmed to cover all risks of wrecked passenger ships and carrier liability insurance. At the same time, relevant travel agencies have insured travel agency liability insurance in PICC P&C insurance, and some individual travelers have also insured accident insurance in PICC P&C insurance. At present, 9 individual customers of PICC P&C insurance have been confirmed.
As of June 3rd, it has been confirmed that the cruise ship is carrying 10 1 China life customers, involving six branches in Jiangsu, Shanghai, Tianjin, Chongqing, Fujian and Qingdao, and it is estimated that the compensation will be 5.736 million yuan. The main types of insurance are daily insurance products and some travel accident insurance.
As of 3 17: 30, Pacific Life Insurance (60 1099) has confirmed that the accident may involve 363 individual customers, from Shanghai, Fujian, Tianjin, Jiangsu and other provinces and cities, among which 359 customers have taken out travel insurance, of which 16 has also taken out other insurances and 6 customers have taken out personal insurance. It is preliminarily estimated that the maximum compensation amount of Pacific Insurance (60 160 1, stock bar) may exceed 37 million yuan for the individual customers of this accident life insurance. In addition, Pacific Property Insurance underwrites the liability insurance of two travel agencies.
As of June 4th 19, China Ping An (60 13 18) has identified 109 customers, travel agency 1 family (co-insurance) who may be involved in the sinking of the "Oriental Star" passenger ship, and the estimated settlement amount. It is reported that after the capsizing incident, China Ping An also quickly arranged staff to provide full escort and psychological counseling services to the family members of the passenger ship.