Q: Can foreigners working in Beijing buy comprehensive accident insurance?
Answer 1: Hello, foreigners generally can choose accident insurance as long as they live or work in China for a long time. You can purchase comprehensive accident insurance.
Answer 2: There is no difference between Chinese and foreigners when it comes to purchasing insurance. Whatever Chinese people buy, foreigners can also buy. Under the same circumstances, the products and premiums are the same. In addition, whether Chinese or foreigners, they must communicate with the agent in detail before purchasing, and then recommend the most suitable protection for them.
Whether you are at home or abroad, you will always be far away from one parent. Protection is a reflection of love and responsibility. I wonder if you are government-sponsored students, that is, you are financially independent and have the ability to make money. , if students have no financial income, the amount of insurance coverage will be limited. If you already have financial income, you can invest in insurance based on 30% of your annual income. Only when you love it to the highest level will you have insurance in your heart.
When you are in a foreign country, do you miss your loving parents? Considering your parents’ future living security is also a necessary subject for children with income. I can base on your actual situation, such as whether you have Income, how much is your annual income, countries where you often go abroad, insurance is an investment channel to avoid future risks, physical health, etc. If you want to have an insurance protection that best interprets love and responsibility, it will protect yourself and also Very caring towards family.
Generally speaking, there is no difference between foreigners traveling, living and working in my country and Chinese citizens in purchasing commercial insurance. Judging from the nature of insurance using the law of large numbers to spread risks, insurance companies generally do not design an insurance product specifically for a relatively small number of foreigners. However, your foreign friends can find various types of insurance products on the market according to their needs. Protection insurances such as personal accident insurance and critical illness insurance; medical insurances such as hospitalization and subsidy insurance; investment and savings insurances such as participating insurance, universal insurance and investment-linked insurance.
According to your description, several of your foreign friends should hold important positions in domestic multinational companies, and the company is willing to bear certain insurance costs. High accident injury, critical illness protection and adequate medical expense protection insurance should be able to meet their most urgent needs. At the same time, some disability income protection insurance can also be purchased.
This new type of insurance, which has just started in China, can provide the insured with monthly income compensation in the event of major illness, accidental disability, or death, effectively making up for the income losses of families and individuals in the above situations. Stabilize the family's financial resources.
At the same time, because many foreigners often travel between their country of residence and their home country due to work and family needs, purchasing some overseas travel rescue medical insurance can protect them from accidents while outside China. In the event of injury or sudden acute illness, you will receive timely rescue services from international rescue companies and receive certain medical expense compensation. This type of product can provide overseas medical protection that ordinary accident and medical insurance on the market cannot provide.
In addition, in recent years, some large domestic insurance companies have also begun to carry out foreign exchange-based investment savings insurance business. For example, participating endowment insurance denominated in major international currencies such as US dollars or Euros. For foreigners, this type of foreign exchange investment savings insurance can not only help them avoid the exchange rate risk of exchange between foreign currencies and RMB, but customers can also convert foreign currencies during the validity period of the policy to increase the policy investment rate of return. This type of insurance is not only welcomed by many foreigners in China, but also begins to attract more and more mainland residents who hold idle foreign currency to join the purchase process.
It should be noted that most foreigners stay in China for a short time, so they should avoid buying insurance with a long payment time, and instead choose insurance products with flexible payment methods and short time, such as For insurance with long-term premiums such as universal insurance and investment-linked insurance, the risks brought by such products must also be taken into consideration and may cause losses to customers, so be cautious before purchasing.