In a world with very high mobility where the trend to travel is growing, security guarantees for us are very important.Travel insurance is an important part that you should take part in when you want to travel both domestically and abroad whether for business trips or just leisure. This insurance is not only beneficial for yourself but also the people around you and other things left at home. Choosing the best travel insurance is very important because it is able to provide optimal protection and assurance of guarantees in the event of unexpected things during the trip.Travel insurance is useful to provide protection for those who travel. Travel insurance will bear the risk that might occur when you are traveling whether it is traveling domestically or abroad. All unexpected things can happen when anyone travels, such as illness, accident and death. There is even a travel insurance that compensates for losses due to flight schedules being delayed / delays, baggage delays, loss of goods due to theft on airplanes or other causes that can cause death and loss of documents.
Travel Insurance Tips
In general, travel insurance has a function similar to insurance in general, which is a form of protection. What distinguishes this insurance with other types is that this insurance is only valid for a limited period of time, as long as the premium owner travels to return home. Unfortunately there are still many people who do not know that travel insurance consists of various types. Various types of protection and benefits offered are strongly influenced by the amount of premiums paid. However, the types of benefits commonly offered by travel insurance are as follows.
Travel
Travel insurance usually offers protection against a number of cases such as the replacement of a forfeited down payment due to matters beyond the authority of the policy holder, 12 hours more flight delays, and the cost of accommodation for drinks and food that arise due to problems during flight.Accident
The insurer will provide a sum of money for death or loss of limbs or total paralysis caused by accidents that occur on your trip.
Emergency Treatment
Some travel insurance products provide benefits for emergency medical expenses. If you fall sick while traveling and need expensive fees for treatment, this insurance can provide compensation in accordance with the costs that must be paid or in accordance with the maximum amount that has been determined.
Home Protection
This benefit aims to pay for damage caused by fire to the whole house or loss of goods that are insured in an empty position because of the trip.Medical Evacuation
A number of the best travel insurance products provide 24-hour assistance facilities for emergencies throughout the world.
Double Claims
Compensation that will be given for personal accidents is usually doubled if an accident occurs while on a scheduled commercial airplane.
Repatriation of the body
Insurance products that cover this usually provide 2 alternative choices, namely the cost of returning the body or burial or cremation or funeral at the place of death.
Child Care and Grief Visit
This benefit will be given to one family or relative who is needed to live together or travel with you while being treated abroad.
Baggage and Personal Goods
This insurance will cover losses arising from damage or loss of baggage during the trip, including items in it or items used during the trip. Even some insurance products will provide compensation if there is a delay in baggage within 12 hours.
Travel Insurance Policy Book
Most people still experience confusion when they want to take travel insurance. For those who still feel confused, some of the following tips can you use as a reference in choosing travel insurance.
Knowing what protection is obtained
As mentioned earlier, the benefits or protection of an insurance company product with another insurance company are not the same. So you have to really know what is needed. Especially if you already have life insurance, choose the one that has benefits that are not covered by your life insurance.Adjust the duration of protection with the length of the trip
The longer the travel insurance protection you take, the greater the premium paid. Better to pay a little more than a lot of money because of the adverse effects of the risks that you cannot prevent while traveling.Choose a brand that provides detailed information
Try to choose a brand that provides information about their travel insurance products in detail with no hidden things that have the potential to bring harm to you while on the road. Look for the information as detailed as possible from the provider profile, medical costs, compensation, premiums, benefits, method of payment, to the conditions.Understand insurance exceptions
This is very important for you to know. Do not let you can not make insurance claims because they are not included in the provisions of the insurance company. There are five insurance exceptions. First, accidents due to alcohol and drugs. Second, accident. Third, accidents due to force majeure. Fourth, have an illness before taking insurance. Fifth, pregnancy related accidents.Supervised and Registered
You must remember to choose a travel insurance provider that is truly registered and is under the supervision of the authorities in regulating the standard of the insurance program.Know the contents of the policy
Read the travel insurance policy manual published by the provider. By reading the guidebook you can find out more in-depth information about insurance policies that will prevent you from failing claims that would be very inconvenient if this happens.Safety Vacation with Travel Insurance
So, hopefully this article can give a little picture for those of you who are in a travel plan and want to use travel insurance services. We wish you a smooth trip and don’t forget to regularly visit this blog.
