境外旅游保险护航

Overseas travel insurance the escort

　　很多人都知道，前往欧美等“申根”国家旅行，除了必要的财力证明等资料外，还需要提交一份境外旅游险保单，即证明拥有境外旅行医疗保障才能顺利获得签证。譬如，德国领事馆办理签证时，明确要求游客所购买的医疗保险必须包含门急诊费用。

Many people know that，Travel to Europe and the United States and other“schengen”National travel，But necessary proof of financial means the data，Still need to submit a overseas travel insurance policy，Prove that have abroad travel health care can obtain visa smoothly。For example，The German consulate when visa，Clear requirements tourists purchase medical insurance must include this cost。

　　据了解，目前大多数保险公司都开发了为出国留学或者旅游量身打造的保险产品。

According to understand，Most current insurance companies are developed for study abroad or tourism custom-made2 insurance products。

　　如平安产险携手欧乐救援公司联合推出的“平安畅行天下保险计划”满足各国使馆签证要求，承担由于意外或突发疾病导致的门诊、住院医疗费用的担保或垫付，医疗费用保险保障最高达50万元。在出现紧急情况时，欧乐救援公司将提供专业的医疗救援服务（转运、运送、送返），确保被保险人在紧急情况下得到及时和充分的救助和治疗。

As the music under peace to rescue the company launched the“Get around the world peace insurance plan”Meet countries embassy visa requirements，Bear because accident or sudden disease to the clinic、The cost of medical treatment of be in hospital or security or，Medical insurance cost up to 500000 yuan。In case of an emergency，The music company will provide aid professional medical rescue service（transport、transport、repatriation），Ensure that the insured in an emergency situation receive timely and full of aid and treatment。

　　高效救援网络很重要

Efficient rescue network is very important

　　由于境外旅游险包括紧急救援、急诊、牙科、未成年子女住院陪同等多项服务都是在境外发生的,因此，保险公司是否拥有强大的全球救援网络，能否提供优质高效的贴心服务，对游客来说显得至关重要。

Due to the overseas travel risks including emergency relief、emergency、dental、Minor children accompanied in hospital and many other services are in overseas happen,so，Insurance company have strong global relief network，Can you provide a high quality and highly efficient considerate service，It is very important to visitors。

　　目前，国内大多数保险公司都是与国外的全球救援机构合作，提供相应境外救援服务，只有少数合资保险公司受益于外资股东的全球经营实力，可以与集团旗下的专业救援公司紧密对接。

At present，Domestic most insurance companies are is the global with foreign aid agencies cooperation，To provide corresponding foreign rescue service，Only a few joint venture insurance company benefit from foreign shareholders of global management strength，Can and group's professional rescue the close docking。

　　特别是近年来全球政治局势日益复杂，暴动及自然灾害风险陡升，一份优质的境外旅游险极有可能充当客户的“守护神”。

Especially in recent years, the global political situation increasingly complex，Riots and natural disaster risk alarming，A high quality overseas travel insurance is likely to act as the customer“Patron saint”。

　　2010年8月，美亚保险所属Chartis保险集团的专业旅行救援团队就曾在菲律宾人质事件中第一时间到达现场，为客户提供紧急救援服务。去年2月下旬，利比亚局势恶化，应中国客户请求，美亚保险多方协调，调配专用飞机至利比亚首都黎波里机场，于当地时间2月26日清晨成功将53名受困同胞解救至约旦。

August 2010，Aiu insurance belongs to the travel insurance group Chartis professional rescue team was in the Philippines hostage in the event the first time arrived at the scene，To provide emergency services。Last year late February，Libya the situation has deteriorated，Should China customer request，Aiu insurance multilateral coordination，Allocate special plane to Libya's capital tripoli airport，The local time in the morning on February 26, success will 53 trapped compatriots save to Jordan。

　　注意保障期限的变更

Pay attention to ensure the change of time limit

　　通常，消费者在购买境外旅游险时，会将出境日作为保障的起始日期，返程入境日作为保障结束日期，这样的保险生效期限最经济。但境外出游的变数较多，最常见的是由于签证办理不顺利延误出行时间，甚至被迫取消出行计划，所以有些人会购买较长的保险期限，希望以防万一。

usually，Consumer is buying overseas travel risks，Will exit the security of the day as a start date，Return date as a guarantee entry end date，Such insurance time limit is the most economic effect。But overseas travel more variables，The most common is due to visa handling not smooth delay travel time，Even forced to cancel plans，So some people will buy a long insurance time limit，Hope just in case。

　　对此，中德安联的保险专家建议，只要是保险尚未生效，都可以亲自到保险公司，或以快递资料的方式进行保障期限的变更。如果消费者是在网上购买的保险，有些公司已经提供自助变更保险期限的功能，则最为省时便捷。杨艺

this，Sino-german allianz insurance expert advice，As long as it is insurance has not yet come into effect，Can all go to the insurance company，Or to express material way to protect the change of time limit。If consumer is bought on the net of insurance，Some companies have to provide buffet change insurance time limit function，Is the most convenient time。YangYi