How do ordinary business people buy insurance abroad?

A visa to go abroad is to buy visa insurance.

1. Step:

Schengen visa is a visa issued according to the provisions of the Schengen agreement. Visitors only need to apply for a visa in one of the countries, and they can travel freely in all Schengen member countries without applying for another visa. By the end of 2008, the number of countries implementing Schengen visa has increased to 25. According to the provisions of the Schengen Agreement, all applicants applying for a Schengen visa must purchase an overseas visa insurance when submitting their visa application materials. The amount of medical insurance is not less than 30,000 euros (that is, 300,000 yuan), with global emergency rescue function. The insurance period must be valid for the whole Schengen area and the tourists' stay.

According to the regulations of Schengen countries, from June 5438+1 October1day, 2006, all visa applicants from Schengen countries must purchase overseas insurance when submitting their visa application materials, which proves that they can cover the hospitalization expenses and repatriation expenses abroad, and the insurance amount shall not be less than 300,000 yuan (30,000 euros). The insurance period directly determines your stay in Schengen countries, covering all Schengen countries. If you don't have insurance in Schengen countries, your visa will not be accepted! Please purchase in advance, so as not to affect your visa and exit plan!

2. Countries that need to apply for visa insurance abroad

Schengen visa abroad in Europe: Since 2008, there are 25 Schengen countries in Europe, including the following countries: Germany, France, Spain, Portugal, Belgium, Netherlands, Luxembourg, Italy, Greece, Austria, Norway, Finland, Denmark, Iceland, Sweden, Czech Republic, Estonia, Hungary, Latvia, Lithuania, Malta and Poland. Unless otherwise specified in the visa, the holder of a Schengen visa issued by any Schengen country can move freely in the Schengen area. The maximum visa stay is 90 days.

According to Schengen regulations, the applicant should apply for a visa at the embassy or consulate of the main destination country in Schengen area. If he will travel to multiple Schengen countries and stay in each country equally, he should apply for a visa from the embassy or consulate of the first country of entry. All Schengen countries require overseas personnel to provide effective medical insurance during the Schengen period (the insured amount is 30,000 euros).

Going abroad to apply for a European Schengen visa: you need to buy insurance.

Starting from June 5438+1 October12006, buying insurance is still a necessary condition for 24 countries to obtain tourist visas. According to the regulations of the above-mentioned countries, from June 5438+1 October1day, 2006, visa applicants from all Schengen countries must purchase an overseas insurance when submitting their visa application materials, and the insurance amount must not be less than 30,000 euros (that is, 300,000 yuan). The insurance period directly determines the length of stay in Schengen countries. Germany, Sweden, Greece and other countries strictly require that the single insurance coverage of medical insurance exceeds 300,000 yuan, and the premium for 10 day is generally several hundred yuan; Austria, Denmark and other countries generally only require insurance coverage of more than 300,000 RMB.

Going abroad to apply for a visa for a non-Schengen country in Europe: Britain and Ireland also need to buy insurance. The British Visa Office stipulates that the effective insurance that can pass the tourist visa should include any medical expenses and possible repatriation expenses. The Irish visa office requires visitors to the country to buy medical insurance and travel insurance in the Netherlands. However, neither country has made rigid provisions on the minimum living allowance, nor has it given a designated or recommended insurance company.

Going abroad to apply for an Australian and New Zealand visa: visa insurance is required for those over 70 years old. When applying for an Australia-New Zealand tourist visa, the elderly over 70 years old must provide private health insurance that can cover all medical expenses during their stay in Australia and New Zealand.

To go abroad to the United States, you must apply for two kinds of student visas. Non-immigrant student visas issued by the United States to China are divided into three categories: F- 1, J- 1 and M- 1, which are granted to foreign students studying full-time in American academic and language institutions, visiting scholars and students studying in American vocational schools or recognized non-academic institutions. According to American visa policy, all international students with J- 1 visa and some international students with F- 1 visa must apply for insurance. In addition, some schools have their own compulsory insurance plans. Because there is no public medical system in the United States, the state, state and municipal governments do not bear the medical and first aid expenses, and all expenses are borne by individuals, so insurance is very important for people studying in the United States.

Going abroad to apply for visas in Asia, Africa and Latin America: some countries need insurance. The website of the Visa Office of Thailand wrote in the "Tourist Visa Matters" that inbound tourists must "buy travel safety and medical insurance, learn more about insurance items and ensure their rights and interests." The staff of the visa offices of embassies in Japan, South Korea, Brazil and other countries all said in telephone consultation that the visa offices do not force tourists to buy insurance, nor will they recommend any insurance or insurance companies to tourists. However, for the sake of risk prevention and property protection, they suggest that tourists buy appropriate insurance by themselves or through travel agencies.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.