{"id":12790,"date":"2026-05-24T09:00:00","date_gmt":"2026-05-24T09:00:00","guid":{"rendered":"https:\/\/www.garibyatri.com\/?p=12673"},"modified":"2026-05-24T09:00:00","modified_gmt":"2026-05-24T09:00:00","slug":"travel-health-insurance-what-to-buy-before-leaving-home","status":"publish","type":"post","link":"https:\/\/www.garibyatri.com\/zh\/\u51fa\u56fd\u65c5\u884c\u5065\u5eb7\u4fdd\u9669\/","title":{"rendered":"\u65c5\u6e38\u5065\u5eb7\u4fdd\u9669\uff1a\u51fa\u95e8\u524d\u4e70\u4ec0\u4e48"},"content":{"rendered":"<p class=\"wp-block-paragraph\">\u65c5\u884c\u5065\u5eb7\u4fdd\u9669\u662f\u65c5\u884c\u8ba1\u5212\u4e2d\u6700\u65e0\u804a\u7684\u90e8\u5206\u2014\u2014\u4e5f\u662f\u6700\u91cd\u8981\u7684\u90e8\u5206\u3002 \u5728\u65e5\u672c\u4f4f\u9662\u8d39\u7528\u4e3a $1,000\/\u5929\uff0c\u7f8e\u56fd\u7d27\u6025\u624b\u672f\u8d39\u7528\u4e3a $50,000+\uff0c\u504f\u8fdc\u5730\u533a\u7684\u533b\u7597\u758f\u6563\u8d39\u7528\u4e3a $100,000+\u3002 \u8fd9\u662f\u5b8c\u6574\u76842025\u5e74\u65c5\u884c\u5065\u5eb7\u4fdd\u9669\u6307\u5357\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u4e3a\u4ec0\u4e48\u65c5\u884c\u5065\u5eb7\u4fdd\u9669\u662f\u4e0d\u53ef\u5546\u91cf\u7684<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u60a8\u7684\u5bb6\u5ead\u5065\u5eb7\u4fdd\u9669\u51e0\u4e4e\u53ef\u4ee5\u80af\u5b9a\u4e0d\u4f1a\u4e3a\u60a8\u63d0\u4f9b\u56fd\u5916\u7684\u4fdd\u969c\u3002 \u5373\u4f7f\u662f\u8fd9\u6837\uff0c\u4fdd\u9669\u901a\u5e38\u4e5f\u4ec5\u9650\u4e8e\u7d27\u6025\u60c5\u51b5\u2014\u2014\u800c\u4e0d\u662f\u5728\u56fd\u5916\u4e25\u91cd\u75be\u75c5\u6216\u53d7\u4f24\u540e\u53ef\u80fd\u9700\u8981\u7684\u533b\u7597\u758f\u6563\u3001\u5bb6\u5ead\u822a\u73ed\u6216\u5ef6\u957f\u9017\u7559\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u65c5\u6e38\u5065\u5eb7\u4fdd\u9669\u5e94\u8be5\u6db5\u76d6\u54ea\u4e9b<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n\n<li><strong>\u6cbb\u7597<\/strong> \u2014 \u81f3\u5c11 $100,000 \u8986\u76d6\u8303\u56f4<\/li>\n\n\n<li><strong>\u533b\u7597\u540e\u9001<\/strong> \u2014 \u81f3\u5c11 $250,000 \u8986\u76d6\uff08\u533b\u7597\u822a\u73ed\u56de\u5bb6\u7684\u8d39\u7528\u53ef\u80fd\u4e3a $100,000+\uff09<\/li>\n\n\n<li><strong>\u5f52\u56fd<\/strong> \u2014 \u5982\u679c\u60a8\u6b7b\u5728\u56fd\u5916\uff0c\u60a8\u7684\u9057\u4f53\u5f52\u8fd8<\/li>\n\n\n<li><strong>\u5bb6\u5ead\u65c5\u884c<\/strong> \u2014 \u4f4f\u9662\u65f6\u4e3a\u5bb6\u4eba\u63d0\u4f9b\u7684\u822a\u73ed\u4e0e\u60a8\u540c\u5728<\/li>\n\n\n<li><strong>\u884c\u7a0b\u53d6\u6d88<\/strong> \u2014 \u56e0\u627f\u4fdd\u539f\u56e0\u53d6\u6d88\u7684\u62a5\u9500<\/li>\n\n\n<li><strong>\u884c\u7a0b\u4e2d\u65ad<\/strong> \u2014 \u5982\u679c\u60a8\u5fc5\u987b\u7f29\u77ed\u884c\u7a0b\uff0c\u8bf7\u8d54\u507f<\/li>\n\n\n<li><strong>\u884c\u674e\u4e22\u5931<\/strong> \u2014 \u81f3\u5c11 $1,500 \u8986\u76d6\u8303\u56f4<\/li>\n\n\n<li><strong>\u5dee\u65c5\u8d39\u5ef6\u8fdf<\/strong> \u2014 \u822a\u73ed\u5ef6\u8bef\u65f6\u7684\u9910\u996e\u548c\u4f4f\u5bbf<\/li>\n\n\n<li><strong>\u5192\u9669\u6d3b\u52a8<\/strong> \u2014 \u8fdc\u8db3\u3001\u6f5c\u6c34\u7b49\uff08\u901a\u5e38\u9ed8\u8ba4\u6392\u9664\uff09<\/li>\n\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">2025\u5e74\u6700\u4f73\u65c5\u6e38\u5065\u5eb7\u4fdd\u9669\u516c\u53f8<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th class=\"has-text-align-left\">\u5382\u5546<\/th><th class=\"has-text-align-left\">\u6700\u9002\u5408<\/th><th class=\"has-text-align-left\">\u8d39\u7528\uff08\u6bcf\u6708\uff09<\/th><th class=\"has-text-align-left\">\u533b\u7597\u4fdd\u9669<\/th><th class=\"has-text-align-left\">\u758f\u6563\u8986\u76d6<\/th><\/tr><\/thead><tbody><tr><td>\u5b89\u5168\u4e4b\u7ffc<\/td><td>\u6570\u5b57\u6e38\u7267\u6c11\u65cf\uff0c\u957f\u671f\u65c5\u884c\u8005<\/td><td>$45\u2013$80<\/td><td>$100,000<\/td><td>$100,000<\/td><\/tr>\n<tr><td>\u4e16\u754c\u6e38\u7267\u6c11\u65cf<\/td><td>\u5192\u9669\u65c5\u884c\u8005<\/td><td>$100\u2013$200<\/td><td>$100,000\u2013$250,000<\/td><td>$100,000+<\/td><\/tr>\n<tr><td>\u5b89\u8054\u65c5\u884c<\/td><td>\u5bb6\u5ead\uff0c\u5ea6\u5047\u65c5\u884c<\/td><td>$80\u2013$150<\/td><td>$50,000\u2013$100,000<\/td><td>$100,000<\/td><\/tr>\n<tr><td>\u5168\u7403\u5f71\u89c6<\/td><td>\u5916\u7c4d\u4eba\u58eb\u3001\u957f\u671f\u65c5\u884c\u8005<\/td><td>$100\u2013$300<\/td><td>$100,000\u2013$1,000,000<\/td><td>$500,000+<\/td><\/tr>\n<tr><td>\u4e03\u4e2a\u89d2\u843d<\/td><td>\u5168\u9762\u8986\u76d6<\/td><td>$80\u2013$200<\/td><td>$100,000\u2013$1,000,000<\/td><td>$500,000+<\/td><\/tr>\n<tr><td>HCC \u533b\u7597\uff08\u73b0\u4e3a\u4e1c\u4eac\u6d77\u8fd0\uff09<\/td><td>\u9884\u7b97\u65c5\u884c\u8005<\/td><td>$50\u2013$150<\/td><td>$50,000\u2013$250,000<\/td><td>$50,000\u2013$500,000<\/td><\/tr>\n<\/tbody><\/table><\/figure>\n\n\n\n<div class=\"wp-block-group has-background is-layout-constrained wp-block-group-is-layout-constrained\" style=\"background-color:#fff4e6;padding:1.5rem;border-radius:8px;border-left:4px solid #f59e0b;\"><div class=\"wp-block-group__inner-container\">\n\n<p class=\"wp-block-paragraph\"><strong>\u8bda\u5b9e\u63a8\u8350\uff1a<\/strong> \u5bf9\u4e8e\u5927\u591a\u6570\u65c5\u884c\u8005\u6765\u8bf4\uff0c, <strong>\u5b89\u5168\u4e4b\u7ffc<\/strong> \u662f $45\u2013$80\/\u6708\u7684\u6700\u4f73\u503c\u3002 \u5b83\u9002\u7528\u4e8e\u6570\u5b57\u6e38\u7267\u6c11\u65cf\u548c\u957f\u671f\u65c5\u884c\u8005\uff0c\u8986\u76d6 185 \u591a\u4e2a\u56fd\u5bb6\uff0c\u60a8\u53ef\u4ee5\u968f\u65f6\u5f00\u59cb\/\u505c\u6b62\u3002 \u63a2\u9669\u65c5\u884c\uff08\u5f92\u6b65\u65c5\u884c\uff0c\u6f5c\u6c34\uff09\uff0c, <strong>\u4e16\u754c\u6e38\u7267\u6c11\u65cf\u63a2\u9669\u5bb6\u8ba1\u5212<\/strong> \u8986\u76d6\u884c\u7a0b\u9ad8\u8fbe 6,000 m\u3002\u8bf7\u53c2\u9605\u6211\u4eec\u7684 <a href=\"https:\/\/www.garibyatri.com\/zh\/\u5c3c\u6cca\u5c14\u5f92\u6b65\u4fdd\u9669-\u60a8\u5b9e\u9645\u4e0a\u9700\u8981\u4ec0\u4e48\u4fdd\u9669\/\" data-type=\"post\" data-id=\"0\">\u5c3c\u6cca\u5c14\u5f92\u6b65\u4fdd\u9669\u6307\u5357<\/a> \u5bf9\u4e8e\u5c3c\u6cca\u5c14\u7279\u5b9a\u7684\u5efa\u8bae\u3002.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">\u65c5\u6e38\u4fdd\u9669\u4e0e\u65c5\u6e38\u5065\u5eb7\u4fdd\u9669<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u4e9b\u672f\u8bed\u7ecf\u5e38\u88ab\u6df7\u6dc6\uff0c\u4f46\u5b83\u4eec\u662f\u4e0d\u540c\u7684\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n\n<li><strong>\u65c5\u6e38\u4fdd\u9669<\/strong> \u2014 \u6db5\u76d6\u65c5\u884c\u53d6\u6d88\u3001\u884c\u674e\u4e22\u5931\u3001\u65c5\u884c\u5ef6\u8bef\u3002 \u533b\u7597\u4fdd\u9669\u6709\u9650\u3002.<\/li>\n\n\n<li><strong>\u65c5\u884c\u5065\u5eb7\u4fdd\u9669<\/strong> \u2014 \u6db5\u76d6\u56fd\u5916\u533b\u7597\u548c\u758f\u6563\u3002 \u884c\u7a0b\u6709\u9650\u53d6\u6d88\u3002.<\/li>\n\n\n<li><strong>\u7efc\u5408\u65c5\u6e38\u4fdd\u9669<\/strong> \u2014\u2014\u6db5\u76d6\u4e24\u8005\u3002 \u5927\u591a\u6570\u65c5\u884c\u8005\u7684\u6700\u4f73\u9009\u62e9\u3002.<\/li>\n\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">\u5192\u9669\u6d3b\u52a8\u8986\u76d6\u8303\u56f4 \u2014 \u5bf9\u5f92\u6b65\u65c5\u884c\u81f3\u5173\u91cd\u8981<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5927\u591a\u6570\u65c5\u884c\u4fdd\u9669\u9ed8\u8ba4\u4e0d\u5305\u62ec'\u5192\u9669\u6d3b\u52a8'\u3002 \u5982\u679c\u60a8\u662f\u5f92\u6b65\u65c5\u884c\u3001\u6f5c\u6c34\u3001\u8df3\u4f1e\u6216\u6500\u722c\uff0c\u60a8\u9700\u8981\u660e\u786e\u6db5\u76d6\u8fd9\u4e9b\u6d3b\u52a8\u7684\u653f\u7b56\u3002 \u6807\u51c6\u9664\u5916\u5305\u62ec\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n\n<li>2,500 m \u6216 4,000 m \u4ee5\u4e0a\u7684\u5f92\u6b65\u65c5\u884c<\/li>\n\n\n<li>\u767b\u5c71\uff08\u4f7f\u7528\u7ef3\u7d22\/\u51b0\u722a\uff09<\/li>\n\n\n<li>18 m\u4ee5\u4e0b\u7684\u6f5c\u6c34<\/li>\n\n\n<li>\u8df3\u4f1e\uff0c\u6ed1\u7fd4\u4f1e\uff0c\u8e66\u6781<\/li>\n\n\n<li>\u5c71\u5730\u81ea\u884c\u8f66<\/li>\n\n\n<li>\u6ed1\u96ea\u573a\u5916\u6ed1\u96ea<\/li>\n\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u5bf9\u4e8e\u5c3c\u6cca\u5c14\u5f92\u6b65\u65c5\u884c\uff0c\u8bf7\u53c2\u9605\u6211\u4eec\u7684 <a href=\"https:\/\/www.garibyatri.com\/zh\/\u5c3c\u6cca\u5c14\u5f92\u6b65\u4fdd\u9669-\u60a8\u5b9e\u9645\u4e0a\u9700\u8981\u4ec0\u4e48\u4fdd\u9669\/\" data-type=\"post\" data-id=\"0\">\u5c3c\u6cca\u5c14\u5f92\u6b65\u4fdd\u9669\u6307\u5357<\/a> \u2014 \u8be5\u653f\u7b56\u5fc5\u987b\u6db5\u76d6\u5f92\u6b65\u65c5\u884c\uff0c\u76f4\u5230\u60a8\u7684\u6700\u5927\u9ad8\u5ea6\u548c\u76f4\u5347\u673a\u6551\u63f4\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u9884\u5148\u5b58\u5728\u7684\u6761\u4ef6<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u60a8\u6709\u9884\u5148\u5b58\u5728\u7684\u75be\u75c5\uff08\u7cd6\u5c3f\u75c5\u3001\u5fc3\u810f\u75c5\u7b49\uff09\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n\n<li>\u8d2d\u4e70\u4fdd\u9669\u65f6\u62ab\u9732 - \u4e0d\u62ab\u9732\u53ef\u80fd\u4f1a\u4f7f\u60a8\u7684\u4fdd\u5355\u5931\u6548<\/li>\n\n\n<li>\u5bfb\u627e'\u9884\u5148\u5b58\u5728\u7684\u6761\u4ef6\u8c41\u514d'\u653f\u7b56<\/li>\n\n\n<li>\u6536\u5230\u533b\u751f\u7684\u6765\u4fe1\uff0c\u8bf4\u660e\u60a8\u9002\u5408\u65c5\u884c<\/li>\n\n\n<li>\u4e3a\u60a8\u7684\u65c5\u884c\u5e26\u6765\u8db3\u591f\u7684\u836f\u7269 + \u5907\u7528\u4f9b\u5e94<\/li>\n\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">\u5982\u4f55\u63d0\u51fa\u65c5\u884c\u4fdd\u9669\u7d22\u8d54<\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n\n<li>\u7acb\u5373\u8054\u7cfb\u4fdd\u9669\u516c\u53f8\u7684 24 \u5c0f\u65f6\u6025\u8bca\u7ebf\uff08\u5982\u679c\u53ef\u80fd\u7684\u8bdd\uff0c\u8bf7\u5728\u6cbb\u7597\u524d\uff09<\/li>\n\n\n<li>\u83b7\u5f97\u4efb\u4f55\u4e3b\u8981\u6cbb\u7597\u7684\u9884\u6388\u6743<\/li>\n\n\n<li>\u5982\u6709\u5fc5\u8981\uff0c\u9884\u5148\u4ed8\u6b3e\u5e76\u4fdd\u7559\u6240\u6709\u6536\u636e<\/li>\n\n\n<li>\u83b7\u53d6\u6cbb\u7597\u533b\u751f\u7684\u533b\u7597\u62a5\u544a\uff08\u5982\u679c\u53ef\u80fd\u7684\u8bdd\uff0c\u82f1\u6587\u7248\uff09<\/li>\n\n\n<li>\u83b7\u53d6\u76d7\u7a83\u3001\u4e22\u5931\u884c\u674e\u6216\u4e8b\u6545\u7684\u8b66\u65b9\u62a5\u544a<\/li>\n\n\n<li>\u56de\u56fd\u540e30\u5929\u5185\u63d0\u4ea4\u7d22\u8d54<\/li>\n\n\n<li>\u5305\u62ec\u6240\u6709\u6536\u636e\u3001\u533b\u7597\u62a5\u544a\u548c\u8b66\u65b9\u62a5\u544a<\/li>\n\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\">\u5e38\u89c1\u7684\u65c5\u884c\u4fdd\u9669\u9519\u8bef<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n\n<li>\u8d2d\u4e70\u6700\u4fbf\u5b9c\u7684\u4fdd\u5355\uff08\u4e0d\u5305\u62ec\u60a8\u9700\u8981\u7684\u4e00\u5207\uff09<\/li>\n\n\n<li>\u4e0d\u9605\u8bfb\u6392\u9664\u9879<\/li>\n\n\n<li>\u4e0d\u58f0\u660e\u9884\u5148\u5b58\u5728\u7684\u6761\u4ef6<\/li>\n\n\n<li>\u5982\u679c\u60a8\u5ef6\u957f\u65c5\u884c\u65f6\u95f4\uff0c\u5fd8\u8bb0\u5ef6\u957f\u4fdd\u5355<\/li>\n\n\n<li>\u672a\u83b7\u5f97\u4e3b\u8981\u6cbb\u7597\u7684\u9884\u6388\u6743<\/li>\n\n\n<li>\u4e22\u5f03\u6536\u636e<\/li>\n\n\n<li>\u5047\u8bbe\u6db5\u76d6\u4e86'\u5192\u9669\u6d3b\u52a8'\uff08\u5b83\u4eec\u901a\u5e38\u4e0d\u5305\u62ec\uff09<\/li>\n\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">EHIC \u548c GHIC \u2014 \u6b27\u6d32\u65c5\u884c<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u6b27\u6d32\u65c5\u884c\u8005\u53ef\u4ee5\u4f7f\u7528\u514d\u8d39\u7684 EHIC\uff08\u6b27\u6d32\u5065\u5eb7\u4fdd\u9669\u5361\uff09\u6216\u82f1\u56fd\u65c5\u884c\u8005\u4f7f\u7528 GHIC\uff08\u5168\u7403\u5065\u5eb7\u4fdd\u9669\u5361\uff09\u6765\u83b7\u5f97\u4e0e\u5f53\u5730\u4eba\u76f8\u540c\u7684\u6b27\u76df\u56fd\u5bb6\u533b\u7597\u4fdd\u5065\u3002 \u8fd9\u5f88\u6709\u7528\uff0c\u4f46\u4e0d\u80fd\u66ff\u4ee3\u65c5\u884c\u4fdd\u9669\u2014\u2014\u5b83\u4e0d\u5305\u62ec\u533b\u7597\u758f\u6563\u3001\u9063\u8fd4\u6216\u79c1\u4eba\u6cbb\u7597\u3002 \u4f9b\u684c <a href=\"https:\/\/www.nhs.uk\/using-the-nhs\/healthcare-abroad\/ehic\/\" target=\"_blank\" rel=\"noreferrer noopener\">NHS \u7535\u5b50\u4fe1\u606f\u7cfb\u7edf\u4fe1\u606f<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u65c5\u884c\u4fdd\u9669\u8d39\u7528\u6309\u65c5\u884c\u4fdd\u9669\u8d39\u7528<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th class=\"has-text-align-left\">\u884c\u7a0b\u7c7b\u578b<\/th><th class=\"has-text-align-left\">\u63a8\u8350\u8986\u76d6<\/th><th class=\"has-text-align-left\">\u8d39\u7528 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