Travel Insurance For those who love to travel, is it necessary?. For those of you who want or like to travel, insurance is very important as protection from various risks during travel, both out of town and abroad.
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These risks include accidents, missed flights, loss and damage to baggage, loss of documents, illness, and even death on the way.
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Here are some things you should know about travel insurance
The Importance of Travel Insurance
Travel insurance is loss insurance that provides protection for vacations and business affairs, both domestically and internationally.
Travel insurance protects or provides compensation for a wider range of risks. It's not just an accident or death benefit. More than that.
Disaster no one knows when it will come. It can happen to anyone, anytime and anywhere.
God forbid if something unexpected happens while on vacation or on duty out of town or abroad, you don't have to worry anymore because it's covered by travel insurance.
Generally, the benefits obtained by customers depend on the size of the Insurance Fees paid. The greater the Insurance Fees, the wider the coverage received.
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Travel insurance covered
- Medical treatment costs
- Compensation for death
- Trip cancellations and delays
- Damage to or loss of baggage
- Loss of travel documents
- Personal information piracy
- Emergency medical evacuation
- The cost of repatriating the corpse.
What travel insurance does not cover
- Injuries or injuries from terrorist attacks
- Illness from consuming alcohol and narcotics
- Injury, injury, or death as a result of natural disaster events
- Planned accidents
- Injuries from participating in certain tournaments.
Types of Travel Insurance Fees
Daily Fees
This insurance is valid for one trip. For example, you want to go to Japan for a week, then the validity period is only that period. If you want to return to Indonesia, you must apply for the latest insurance.
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Annual Premium
This insurance is recommended for those of you who frequently travel out of town or abroad, for example 10 times a year. This insurance is only valid in one area, such as in Europe or Southeast Asia. The protection provided is usually the same in every country that is included in the region.Calculation of the size of the Travel Insurance Fees
Number of people traveling
Generally, travel insurance is reserved for individuals. However, there are exceptions, where travel insurance can be purchased for groups or families. In terms of costs or premiums, it will certainly be more expensive to buy family travel insurance than individuals. But if it is calculated as a whole it is much cheaper to buy group travel insurance.
Destination and length of visit
The farther the destination and the time of visit, the more expensive the premium paid because the risk is much greater. On the other hand, if the destination is only in the city with a visit of no more than a week, the Travel Insurance Fees paid must be cheap.
Insured Age
The amount of premium paid depends on the age of the insured. The older it is, the more expensive it is. Compared to young people, older people are usually more susceptible to risks, especially diseases. For example, those aged 60 years and over.
Tips for Buying Travel Insurance
Before buying travel insurance, you should pay attention to or consider the following
What are the benefits of protection?
Even if you choose a cheap Travel Insurance Fees, make sure you get protection benefits that are not cheap. The benefits are still according to your needs. For example, there are benefits of personal accident protection, medical treatment costs, compensation for late and lost baggage, trip cancellations with adequate ceilings. So, make sure you read the terms and conditions on the policy sheet before buying domestic travel insurance so you don't regret it later.
How to apply?
Choose travel insurance that has various submission channels, including online. So if you don't have time, just click submit from your cellphone or laptop. The application process is fast. Not for hours or days. Just a matter of minutes, all right. That way, it is very easy for those of you who want to travel suddenly.
What is the claim procedure?
This is also very important to check. The claim procedure is easy or even complicated. Of course anyone wants to buy insurance that is easy to submit a claim. Likewise in choosing travel insurance. Choose the one that doesn't bother you, both in terms of time and energy. There are not too many documents to complete the requirements for submitting a claim.
Buy from a trusted company
Currently, travel insurance is not only sold by insurance companies. But also fintech online. Make sure you buy or apply for travel insurance at a trusted company. Officially registered and supervised by the Financial Services Authority in each country where you live.
Buy Travel Insurance According to Your Needs and Budget
In buying travel insurance, make sure it fits your needs and financial capabilities. This is to avoid default on Travel Insurance Fees.
For those of you who like to travel at home and abroad, you must have travel insurance every time you go traveling. Whether it's only within the country or around Asia, we never know the risks that could come. Prepare travel insurance well in advance before traveling, don't arrive at your new destination to apply for insurance in vain.
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What must always be remembered is to carefully read the policy and understand the rights and obligations before making a choice of travel insurance.