If you want to go abroad to work, should you buy insurance? If you die in a foreign country, you can still lose some money.

If I go to work abroad, can I buy any insurance in this situation? Are there suitable insurance options available?

Whether they are ordinary laborers or senior white-collar workers or technical personnel who are sent abroad, they must sign a standardized labor contract with the dispatching unit. They must be aware of the social security situation of the country they will go to and the insurance benefits provided by the dispatching unit. clear agreement.

At present, the most common insurances purchased by employers are employer liability insurance and personal accident insurance. Some employers also purchase overseas emergency rescue accident insurance for expatriate employees. Among these insurance products, employers' liability insurance, which can transfer risks to the employing unit, has a relatively large amount of insurance.

When you work in a strange country, you face slightly greater risks than at home. Out of a responsible attitude towards yourself and your family, it is necessary to purchase a personal accident insurance that is effective overseas. It is recommended that you ask your employer to purchase personal accident insurance for you before you go abroad. In addition, you would like to remind those who have purchased accident insurance in China that the accident insurance of some insurance companies clearly stipulates that it is valid within the country. Therefore, before going abroad, you should ask whether the insurance is still available abroad. within the scope of responsibility.

In addition, if you need to purchase new insurance, you should also conduct detailed consultation on insurance products according to the country you are visiting. For example, in some countries where riots and civil wars are occurring, insurance companies are likely to refuse insurance or increase premiums; countries that include overseas emergency rescue are easier to purchase insurance and have a wider range of choices.

It is understood that many insurance companies currently on the market have launched insurance products specifically for outbound work. In addition to traditional personal accident insurance, there are also overseas medical care, emergency search and rescue, third-party liability, etc. The more authoritative one is Waipai.com. They are an Internet platform that specializes in overseas recruitment. Therefore, they have collected overseas work insurance from representative insurance companies, making it safe, secure and professional!

Service workers with average economic conditions can choose to purchase a relatively cheap overseas personal accident insurance for themselves. The premiums of overseas personal accident insurance are slightly more expensive than those of domestic accident insurance, and there are different rates depending on the country you go to and the occupation you are engaged in. Generally, it ranges from a few hundred yuan to thousands of yuan per year. Take Ping An Insurance's overseas work insurance as an example. If you go to Afghanistan and are of the same age, the one-year insured amount is 200,000 yuan. The coverage includes accidental disability, death and vehicle accidents. The premium for IT industry maintenance engineers is 1,075 yuan, while those engaged in construction projects The plasterer's premium costs 1,792 yuan.

People with better economic conditions may consider adding emergency medical treatment and medical expenses, medical transport, dental clinic expenses, arrangements for relatives to visit the doctor, etc. on top of the disability and death protection of accident insurance. Emergency medical rescue coverage including emergency search and rescue, auxiliary equipment expenses, etc., but the premium will increase accordingly. Take a 40-year-old person who goes to Afghanistan to work as a plasterer as an example. On the basis of the accident insurance protection of 200,000 yuan, plus the emergency medical rescue protection of 500,000 yuan, the premium will increase from the previous 1,075 yuan to 6,577 yuan. "It is recommended to consider purchasing based on personal circumstances."