Medical network on July 21 - July 5, chongqing woman Yang ting seizures in Bali with group travel, life condition, Internet users and the social from all walks of life love helped to fill 600000 yuan, Yang ting to take a Asian medical transport aircraft charter flights, 1 in the morning on July 15, 30 minutes arrived in chongqing during the medical treatment.
In fact, the cost of overseas medical treatment for Chinese tourists is far higher than the Chinese imagine. Outbound travel service company ctrip travel the latest "2017 Chinese tourists overseas medical insurance report shows that from the outbound travel insurance claims statistics, Chinese tourists overseas medical expensive to the unusual, the United States, Europe, Australia, Japan, the most expensive medical costs usually achieve domestic more than 10 times, even more than 30 times. Hundreds of thousands of medical bills are common. Chinese tourists can't afford to pay huge medical bills and can only pay and compensate through travel insurance.
How to avoid the sky-high bills? The east brother of dajiang east studio research, there is only one way: buy high travel insurance ahead of time.
Some Chinese tourists pay far more for medical claims overseas than at home.
A mass with visitors miss zhang in Manhattan for giant suddenly feel belly pain and medical treatment after diagnosis of sudden intussusception, need immediate surgery, eventually medical costs $47000 or more. And similar operation, in the domestic 3 armour hospital probably cost 10,000 RMB. Because there is not enough cash and credit CARDS around, there is no way to pay for huge medical expenses. Fortunately, she had purchased the foreign trade insurance policy, and the insurance company immediately arranged medical treatment plan and paid the maximum guarantee of RMB 300,000 yuan.
A Chinese tourist's overseas medical bill costs more than $60,000.
The report shows that medical risks have become one of the main risks for Chinese tourists traveling abroad. In terms of claims for travel accident insurance, medical expenses account for 13% of the total amount, which is second only to the cancellation and delay of the trip.
Medical expenses accounted for 13% of the claims in the travel accident insurance.
Which destinations are more likely to have medical problems? From the medical claims case number, Thailand, Japan, Indonesia, China Taiwan, South Korea, the United States, the Philippines, Singapore, Cambodia, Egypt's top 10, is a Chinese tourists medical risky destination. Among them, Thailand and Japan have a relatively large number of medical incidents due to the huge scale of Chinese tourists. Bali island and other islands have a large number of medical incidents due to the high risk of water sports.
Which countries have the highest expenditures on medical expenses for Chinese tourists? The figures show that Thailand, the United States, Japan, Greece, Finland, Singapore, France, Italy, Taiwan and South Korea are the countries with the highest medical costs. Most of them are developed countries such as the us and Europe.
Especially from the medical expense per capita, North America (the United States, Canada, Europe, the schengen countries, Australia, Japan, Thailand, is the most expensive Chinese tourists medical expenses of the top five, especially in Europe, America area, and per capita spending on health care costs are more than 10000 yuan. In Thailand, there are more cases of fracture, casualty, transport and so on, so the cost of medical treatment is high.
The most common medical accidents have falls, colds, and stomach problems. In many countries cold and fever and other common diseases, medical expenses are less than 1, 000, more than 10,000 yuan. A visitor to the United States for a trip to the United States, the child has a fever and coughs and needs medical attention. Ms. Li reported the case to the insurance company and asked for a telephone translation service. In the end, the children spent more than 17, 000 yuan in hospital diagnosis and treatment. Ms. Yang, a tourist, went to Australia on a trip to Australia, where she had a fractured hip fracture. Local treatment costs about 120,000 yuan. Mr. Zhang, a tourist in New York, was injured by a dog on a tour of New York, paying more than 20, 000 yuan ($3,300) for the treatment of the wound, and the insurance company was granted full compensation after reviewing it. It is reported that similar situation in the domestic hospital processing cost is only a few hundred yuan.
Overseas, the most expensive and hardest to bear is the cost of repatriation, at least several hundred thousand yuan. Recently, Ms. Chen went to visit cairns, Australia, where she drowned when she was snorkeling, and the cost of rescue and transport was nearly 210,000 yuan, and the medical expenses were 200,000 yuan. Fortunately, the insurance covers the travel insurance, and the insurance company provides medical expenses, transporters, repatriation (the doctor is in the same company), and the medical treatment arrangement after returning to China. Another tourist in Queenstown, New Zealand, had broken his own car and suffered multiple fractures, and the cost of rescue and transport was up to 270,000 yuan.
How to avoid sky-high medical bills?
To this end, Togo has consulted experts on travel insurance, offering advice on how to avoid unaffordable overseas medical expenses.
First, we should first pay attention to whether the medical insurance is adequate. Countries especially to the expensive medical costs, such as Europe, Australia, Japan, America, suggest to buy enough medical coverage insurance products, at least 200000 yuan, if the budget allows, best buy $500000 in coverage.
Second, the rescue service is very important. The rescue service covers medical transshipment and repatriation, assisted medical treatment, payment of medical expenses, telephone translation, and repatriation of body and other services. During overseas Tours, environmental strangers and communication barriers and expensive medical transshipment charges have caused obstacles to passenger treatment, so be sure to buy travel insurance with the aid.
Third, try to seek medical attention outside the country if you are sick or accidentally. Do not delay. Many clients worry overseas medical treatment is expensive, had to go home to see, but if there is no medical treatment abroad, when insurance company claims may be hard to distinguish whether occurs during the policy, accountability, no overseas reports are more likely to be rejecting claims. Delaying treatment can also lead to serious illness or injury. In addition, general travel insurance does not restrict foreign hospitals, but returning home treatment generally has two levels of public hospital restrictions, and some also restrict the use of drugs. Finally, the domestic medical insurance should be discounted, and the insured amount is only 10% to 20% of the insured amount. For example, the insurance policy is 200,000, and in the domestic market, it is only 20,000 to 40,000. |
