What insurance do I need to buy to work abroad?

Can I buy any insurance for working abroad? Is there any suitable insurance to choose from?

No matter ordinary workers, senior white-collar workers and technicians who are sent abroad, they need to sign a standardized labor contract with the sending unit, which has a clear agreement on the social security situation of the sent country and the insurance benefits provided by the sending unit.

At present, the common insurances purchased by employers include employer liability insurance and personal accident insurance, and some employers also purchase overseas emergency rescue accident insurance for expatriate employees. Among these insurance products, the amount of employer liability insurance that can transfer risks for employers is relatively large.

Working in a strange country is a little risky than at home. Out of a responsible attitude towards yourself and your family, it is necessary to buy a personal accident insurance that takes effect overseas. It is suggested that employers can be required to buy personal accident insurance for themselves before going abroad. In addition, people who have bought accident insurance in China should be reminded that the accident insurance of some insurance companies is clearly stipulated to be effective in China, so before going abroad, you should ask whether these insurances are still within the scope of responsibility abroad.

In addition, if you need to buy new insurance, you should also consult insurance products in detail according to the country you are going to. For example, in some countries where riots and civil wars are taking place, insurance companies are likely to be unable to insure or raise premiums; Countries with overseas emergency assistance are easier to insure and have a wider range of choices.

It is understood that many insurance companies have launched insurance products specifically for going out to work. In addition to the traditional personal accident insurance, there are overseas medical treatment, emergency search and rescue, and third party liability.

Workers with average economic conditions can choose to buy themselves a cheaper overseas personal accident insurance. Overseas personal accident insurance premiums are slightly more expensive than domestic accident insurance, and different countries and occupations have different rates. Generally, the term of 1 year ranges from several hundred yuan to several thousand yuan. Take Ping An Insurance's overseas work insurance as an example. Going to Afghanistan, the same age, the annual insurance coverage is 200,000, and the coverage includes accidental disability, death and vehicle accident. The insurance premium of maintenance engineers in IT industry is 1.075 yuan, while the insurance premium of Plaster workers engaged in construction engineering needs 1.792 yuan.

People with better economic conditions can consider adding emergency medical rescue insurance including emergency medical treatment and medical expenses, medical transfer, dental clinic expenses, arranging relatives to visit patients, emergency search and rescue, and auxiliary equipment expenses on the basis of accident insurance, but the premium will be increased accordingly. Take a 40-year-old man who went to Afghanistan to work as a plasterer as an example. On the basis of accident insurance of 200,000 yuan and emergency medical rescue of 500,000 yuan, the premium was increased from the previous 1.075 yuan to 6577 yuan. "It is recommended to consider buying according to personal circumstances". Professionals suggest that if you are in good health and the country you are going to has compulsory social security, you don't have to spend more money on emergency medical assistance.