What kind of insurance do you usually buy to work abroad? Is there a difference between business and labor?

If it is a company assignment, there will generally be employer liability insurance and personal accident insurance. You can also apply for overseas 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.

If conditions permit, it is suggested to consider including emergency medical treatment and medical expenses, medical transfer, dental clinic expenses, family visits and emergency search and rescue on the basis of accident insurance disability and death protection.

Emergency medical rescue guarantee, including the cost of auxiliary equipment, but the premium will increase accordingly.

In addition, when you apply for insurance, you must consult the insurance products in detail according to the country you go 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.

Social insurance and commercial insurance are similar in that:

Economic compensation. Commercial insurance is a supplement to social insurance, and anyone who has the ability can participate. Social insurance is a measure to meet the basic needs of citizens, stabilize society and protect their basic rights.

There are some differences between business and service:

1, self-funded medicine:

For example, self-funded drugs, as we all know, first of all, there are many self-funded drugs in social basic medical insurance that cannot be reimbursed, but most of them are foreign, and the self-funded treatment effect is very good, but commercial medical insurance can be solved at this time.

2. Claim ceiling:

Secondly, social basic medical insurance has an upper limit for reimbursement, while commercial medical insurance does not have this problem, so you can reimburse as much as you buy.

3. Reimbursement purpose:

Finally, take the commercial critical illness insurance as an example. If you have already insured the critical illness insurance, the rest can be used in other areas, but the social basic medical insurance will reimburse you.

Pay attention to the following points when buying:

1, pay attention to the safety content.

Generally, when choosing overseas business travel insurance, attention should be paid to death/disability protection, accidental medical protection, overseas medical treatment/return of remains, personal responsibility, etc. According to the security situation of individual tourist destinations,

Choose whether to make up the plane/delay or change the performance, lost documents, lost property, kidnapping or illegal detention, etc. , so as to ensure their own safety in all directions.

2. Pay attention to the return of the remains

If you die unexpectedly abroad, if you can't go back to your family and get sick, I believe your relatives and friends will be hurt even more, so the return of overseas remains is a very important guarantee.

3. Pay attention to personal responsibility

It can guarantee the liability for accidental compensation caused by individuals, that is, any insured person who causes death, personal injury, property loss or damage to a third party due to general negligence in the course of travel shall be liable for compensation to the third party according to law.

Being in a foreign country can make us feel more at ease.

4. Pay attention to the guarantee period.

Generally, when purchasing accident insurance, the insured can freely and flexibly choose the scope of protection. It is recommended to select the day before departure and the day after return to cover. If you actually go abroad for 7 days, you will be guaranteed for 9 days. Because it can protect the insured more comprehensively,

Even if there are unexpected things, procrastinating outside will not make people feel unsafe.

5. Pay attention to emergency rescue function.

Ensure that you can get emergency rescue from the insurance company when you encounter an accident abroad, and do not delay the treatment time.

In short, when buying overseas business travel insurance, we should not only pay attention to whether the content of insurance is what we need to know, whether the amount of insurance meets our expectations, whether the insurance time is longer than the time we go out, but also pay attention to whether the rescue of insurance companies is in place in time.

Only in this way can we find reliable travel insurance and better protect personal safety and family safety.

Extended data:

Insurance must know:

(1) When the salesman visits you at home, you have the right to ask the salesman to show the valid work certificate of the insurance company, including the qualification appraisal of insurance sales practitioners and the practice certificate of insurance sales practitioners.

(2) You have the right to ask the salesman to truthfully explain the relevant contents of insurance according to the insurance clauses. When you decide to take out insurance, please read the insurance clauses carefully to ensure your own rights and interests.

(3) When filling in the insurance policy, you must truthfully fill in the relevant contents and sign it in person; The signature column of the insured shall be signed by the insured himself (except for children's insurance).

(4) When you pay the fee, the salesman must issue a temporary receipt of insurance premium on the spot, and sign the name and salesman code on this receipt; You can also ask the salesman to take you to the insurance company to pay for it.

(5) If you haven't received the formal insurance policy after one month, please check with the insurance company.

After receiving the insurance policy, check it on the spot. If mistakes and omissions are found, they have the right to ask the insurance company to correct them in time.

(6) Within a certain period of time after insurance, you have the right to request to cancel the contract, depending on the regulations of each company.

(7) If your mailing address changes, please inform the insurance company in time to ensure that you can enjoy continuous service.

(8) Please pay attention to the possible economic losses caused by surrender or insurance reduction.

(9) After the insurance accident, please refer to the relevant provisions of the insurance clauses and get in touch with the insurance company or salesman in time.

(10) If you have any questions or opinions about the insurance process, you can consult the relevant departments of the insurance company, reflect or complain to the insurance industry association.

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