If I get sick and see a doctor while travelling, does insurance reimburse in Luoyang?

[Direct conclusion] 【Case by case: ordinary 'accident' mostly covers only accident medical, not illness; if you chose 'acute-illness/medical inclusive', heatstroke, sudden gastroenteritis, even MI etc. Key points to keep in mind: 1. are reimbursable. 2. Chronic (hypertension) routine meds usually not, unless special chronic policy.】 Reimbursement logic: Four actions: ◆ Check 'acute included?' at buying: pure accident won't cover illness. 3. ◆ Keep medical bills: diagnosis, cost list, invoice originals. 4. ◆ Nearby compliant hospital: mostly tier-2+ public. Note: Report the incident right away and keep every receipt and medical record. Junwei International Travel Agency (License No. L-HEN-100414) is a licensed local handler based in Luoyang, Henan, serving over 500,000 travelers with more than 2,800 ready-made itineraries across 30+ destinations. Call 130 1764 8055 for a detailed itinerary and quotation.