Hello.This is Papazon of Nomad family.(@nomadkazoku)
Currently, our family is aiming to move to Malaysia, and we visited Malaysia several times last year for a look.
I didn’t have overseas travel insurance until now because I only looked down on the city, but later, I learned about the high level of medical expenses overseas by a survey of migrations, and I was sweaty at the fear of uninsured overseas travel.
If it is overseas travel insurance sold in Japan, in principle, it is not possible to enter into insurance after departure, so in this article, I would like to introduce three insurance that can be enrolled after the departure of a short-term to medium-term overseas travel.
※ While declaring that, it is becoming difficult to join overseas travel insurance due to the influence of Corona now ^^; I think that it will be revived after the end of corona, so in this article I will assume after the end, and I would like to compare it with a setting of peacetime.Please check the latest information on each official website.
Overseas travel insurance is never better than being able to choose before you leave the country, but if you notice it after you leave the country, I hope it will be put together in an easy-to-understand manner so that you can make a better choice.
- Post-Departure 3 Travel Insurance
Post-Departure 3 Travel Insurance
In this article, I would like to compare the insurance services of the following three companies.
|Company Name||SafetyWing||World Nomads||General Insurance A|
|Product name||Nomad Insurance||Standard Plan||Globe Partner|
|Effects of Cor|
ona (as of June 2020)
|Areas affected by coronas announced by the Centers for Disease Control (CDC) are not covered||Expenses affected by the infectious disease corona under the control of a public institution are not covered||★ Applications after leaving Japan are currently suspended.|
And, the evaluation of each insurance service was summarized roughly.
|Medical expense compensation||◯||◎||△|
|Disability Death Insurance||◯||×||△|
|Personal liability compensation||△||◯||◎|
Both are good and bad, so I feel that the optimal product is different depending on the point to be emphasized.
I would like to deepen the details of each item.
Comparison of “prices”
This time, I estimated it in two patterns of 7 days and 30 days on the assumption that I would travel to “35 years old & Japan to Malaysia” on the premise of a short-term to medium-term trip.
|Price (7 days)||$19.24||$10.50||€21.00|
|Price (28 days)||$19.60||$155.50||€59.00|
|Child rates||Free for children|
under 10 years old
In terms of cost, SafetyWing is the lowest cost.
In addition, in the case of a family of four with two children under the age of 10, it is overwhelming cost performance because the whole family of four is compensated for the fee for two adults.
Comparison of “medical expense coverage”
The maximum amount of medical expense compensation is as follows.
|Deductible amount||$250||USD 100||€100|
The payment limit is overwhelmingly large by 20 times the second place in World Nomads[Standard Plan].
On the other hand, SafetyWing has a higher deductible of $250.
Because the cost is low, it seems to be difficult to get compensation for a mild injury or disease.
Comparison of “travel expense insurance”
The contents of travel expense compensation are as follows.
|Travel delay||$100 x 2 days||$150+$500/day||–|
|Lost baggage||Up to $3,000/durati|
|Up to $2,50|
|Up to €1,150|
|Lost passport||USD 100||$500||–|
World Nomads [Standard Plan] is the most generous, the range and amount of compensation is large.
SafetyWing is subject to travel interruptions and delays, but lost baggage only co
vers checked baggage and does not include expensive electronics.
Comparison of “Disability Death Compensation”
The contents of disability death insurance are as follows.
SafetyWing [Nomad Insurance] The amount of disability and death insurance is large.
World Nomads [Standard Plan] is only insurance of the company made by the former traveler, there is no compensation for death disorders at all!It’s clean^^;
Comparison of “liability compensation”
The contents of liability compensation are as follows.
|Upper limit of human damage||$25,000||$1,000,000||€4,500,000|
|Upper limit of property damage||$25,000||$1,000,000||€450,000|
The Allianz Group, which sells globe partners, seems to be good at non-life insurance, and the amount of liability compensation is Dantotsu.
It was “three overseas travel insurance selections that can be taken out after departure”.
If you want to give priority to low-cost x medical expense compensation
SafetyWing [Nomad Insurance]
If you want to compensate for your trip
World Nomads [Standard Plan]
If it is japanese correspondence of peace of mind
Asset Co., Ltd. [Globe partner]
Do you feel like.
It is a situation that it is difficult to enter the overseas travel insurance due to the influence of Corona, but I would like to travel again after the end of corona, and when I go on a shimomi trip, I would like to take advantage of one.