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Avoid medical bills abroad! The first generation covers 40% of 'domestic' losses, and travel insurance covers overseas medical treatment, theft, and compensation. Proportional compensation is available for both policies, and medical certificates, details, and receipts are key for claims. Be sure to check limits and exclusions before departure. #overseasmedicalexpenses #lossinsurance #travelinsurance #proportionalcompensation #claimdocumentation #travelprep #emergencyresponse