中文：

出国买什么保险好？这是很多出国旅行者经常会考虑的问题。在国外，医疗费用普遍较高，而且可能存在语言和文化障碍，因此购买一份合适的保险是非常必要的。

首先，建议购买旅游保险。这种保险可以提供旅行过程中的意外伤害、疾病、行李丢失、航班延误等各种保障，而且可以根据个人需求选择不同的计划和保额。对于长期出国的留学生，可以考虑购买学险，这种保险可以提供学习期间的意外伤害、疾病、紧急救援等保障。

其次，建议购买医疗保险。在国外，医疗费用普遍较高，而且可能存在语言和文化障碍，因此购买医疗保险是非常必要的。在选择医疗保险时，建议选择覆盖范围广、保障额度高的计划，以便在需要治疗时能够得到充分的保障。

此外，如果出国旅行者是自驾游爱好者，建议购买自驾游保险。这种保险可以提供旅行过程中的车辆故障、道路救援、第三者责任等各种保障，而且可以根据个人需求选择不同的计划和保额。

最后，建议购买全球紧急救援保险。这种保险可以在旅行过程中遇到紧急情况时提供及时的救援和协助，比如医疗转运、紧急联系人、语言翻译等。

总之，在出国前购买一份合适的保险是非常必要的，可以为自己和家人提供更好的保障。除了以上提到的几种保险类型外，还有很多其他的保险类型可以选择，比如财产保险、旅行取消保险等。根据个人需求和实际情况选择合适的保险类型和保额是非常重要的。

英文：

What insurance is best to buy when going abroad? This is a question that many travelers often consider. In foreign countries, medical costs are generally high, and there may be language and cultural barriers, so buying a suitable insurance policy is very necessary.

Firstly, it is recommended to buy travel insurance. This type of insurance can provide various protections during the travel process, such as accidental injury, illness, luggage loss, flight delay, etc., and different plans and amounts of coverage can be chosen according to personal needs. For long-term abroad students, it is recommended to buy school insurance, which can provide accidental injury, illness, emergency rescue and other protections during the study period.

Secondly, it is recommended to buy medical insurance. In foreign countries, medical costs are generally high, and there may be language and cultural barriers, so buying medical insurance is very necessary. When choosing medical insurance, it is recommended to choose a plan with wide coverage and high protection limit, so that sufficient protection can be provided when needed.

In addition, if you are a self drive travel enthusiast, it is recommended to buy self drive insurance. This type of insurance can provide various protections during the travel process, such as vehicle failure, roadside assistance, third-party liability, etc., and different plans and amounts of coverage can be chosen according to personal needs.

Finally, it is recommended to buy global emergency rescue insurance. This type of insurance can provide timely rescue and assistance when encountering emergency situations during travel, such as medical evacuation, emergency contact person, language translation, etc.

In general, buying a suitable insurance policy before going abroad is very necessary, which can provide better protection for yourself and your family. In addition to the above-mentioned insurance types, there are many other insurance types that can be chosen, such as property insurance, travel cancellation insurance, etc. It is very important to choose the appropriate insurance type and amount of coverage based on personal needs and actual situations.