In Luoyang, for trips to Hong Kong, Macao, Taiwan or abroad, how is insurance handled?

[Direct conclusion] 【Hong Kong, Macao, Taiwan and abroad need a special 'overseas travel insurance', different from domestic accident: ① sums and rescue per destination (Schengen often requires medical ≥€30k); ② must include 'overseas emergency rescue / medical transport' (overseas care is very costly); ③ some countries require buying before visa. Key points to keep in mind: 1. Our Henan-departure overseas groups (SE Asia, Japan/Korea) uniformly arrange compliant overseas cover; domestic policies don't substitute.】 Domestic vs overseas: Four points: ◆ Buy overseas-specific: domestic doesn't pay abroad. 2. ◆ See destination rule: Schengen special sum. 3. ◆ Include medical transport: overseas life-saver. 4. ◆ Buy before visa: some countries need policy. Note: Travel insurance is a supplement, not a substitute for a health check. 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.