Buy "study abroad insurance" it is necessary to pay attention to details

And every student quarter, many financial institutions to introduce packaged student financial services, currency exchange, proxy account opening witness business, loan services to study abroad insurance, almost cover all areas of financial services. Insurance experts, in particular, is about to go abroad for students studying abroad in the purchase of insurance is to see a few details to prevent accidentally bought does not guarantee the ability to "study abroad insurance". Some insurance policies do not have to buy

"Study abroad insurance purchase before you want to clean that up an existing insurance product. "Experts say that, as the people's awareness of insurance, some children in the very hour, home to buy a full range of insurance and, therefore, the study has been before carding of insurance products is necessary, the return type to" recommended disease, long-term life insurance retained as far as possible, since the middle of a surrender to bear a loss of the amount; accident medical, hospital subsidies such consumer insurance in General is a one-year, no need for specialized cancel, no renewal period abroad. To consumer health insurance, for example, if the insurance contract expressly agreed upon insuring only occur within the territory of two or more hospitals medical expenses, you will not be able to guarantee the risks of medical treatment abroad. ”

Since some countries require a visa in advance when you purchase the insurance coverage requirements, students can purchase with a visa requirement for insurance, to reach the destination and then purchase local type. Insurance experts pointed out that the study abroad insurance can be purchased in two steps, first in the domestic purchase transitional insurance products, provides students in the first period of study abroad safety and health protection, to study the local insurance. For the study of local purchase of insurance, parents should first confirm that does the school provide agency insurance services, first select the country of compulsory education or recommended student insurance plans; or consult your local has purchased insurance for international students.

Insurance period shall be read

Insurance experts pointed out that the study abroad insurance is designed to address the entire overseas students to study for a career in personal security, transitional insurance can select short-term travel accident insurance, insurance should be on the plane before entry into force of the resolution of the alien has not been purchased locally short-term security of insurance. In the select a study abroad insurance, to pay special attention to the protection of content and insurance period.

"For the insurance period is a year of travel accident insurance, with particular attention to carefully read the terms of insurance products. "Experts say that, despite being labeled a" one year "tag, you can actually" one year "refers to the" one-year multiple entry ", request the insured person every time a maximum length of stay abroad no more than 3 months. This means that, for the purchase of this insurance for students studying abroad, their life of 9 months is no guarantee of the status of "naked Po".