Key Considerations When Purchasing Insurance First, truthfully disclosing your health condition is a prerequisite for a smooth claim process. Concealing pre-existing conditions such as hypertension and diabetes may invalidate the entire policy; do not take chances. Second, ensure sufficient medical coverage. Third, carefully read the age-related terms and conditions to confirm which coverage amounts are halved after a certain age and whether this affects core coverage. Fourth, confirm the coverage for pre-existing conditions. If the policy explicitly excludes certain chronic diseases, related complications will not be covered; you need to find a product that specifically covers pre-existing conditions. Fifth, understand the exclusions; high-risk sports (skiing, diving, horseback riding, etc.) usually require additional coverage. Sixth, purchase in advance, ideally immediately after paying for your trip to ensure coverage for trip cancellations.

Practical Advice and Common Misconceptions It is recommended to prioritize products that include coverage for self-operated rescue services or partnerships with internationally renowned rescue organizations (such as SOS and Allianz) to ensure timely response in critical moments. Carry your policy and emergency contact number with you when traveling, and keep all receipts (medical records, invoices, and expense details) after medical treatment. Common misconceptions include: believing that buying insurance solves all problems without disclosing pre-existing medical conditions; focusing only on premiums while ignoring whether the coverage amount is sufficient; ignoring age-related coverage reduction clauses; and assuming all activities are covered while overlooking exclusions for high-risk sports. Remember, the essence of insurance is to transfer uncontrollable, significant risks with a manageable, small premium. For seniors, it is an essential "airbag" for travel, not an unnecessary extra expense.