Travel insurance is a type of insurance that provides compensation in the event of a travel risk while the customer is traveling. Travel insurance game fafafa slot protection is suitable for the insured who plans to travel to European countries. Because Schengen insurance protection is one of the mandatory documents when applying for a visa. The risks covered include:
Had an accident during the trip
Other risks that are detrimental during the trip
For consideration, here are the best travel insurance recommendations for 2022:
Travel Insurance Benefits
Travel insurance benefits can reduce financial risk when you visit another city or country. The following are some of the benefits of travel insurance that can be obtained:
Compensation for Loss of Baggage
Passport Loss Compensation
Flight Delay Compensation
Emergency Travel Expenses
Medical Evacuation Fee
Death and Disability Compensation
Additional Coverage (Rider)
Types of Travel Insurance
The best types of travel insurance in Indonesia are divided into several categories that accommodate domestic and international travel, such as Asia, Visa Schengen, and Umrah/Hajj. For clarity, let’s look at the following explanations regarding the types of domestic and international travel insurance:
1 – Domestic Travel Insurance
Domestic travel insurance is a type of travel insurance that provides sum assured in the territory of Indonesia only. Generally, this domestic travel insurance benefit is included in the plane ticket or provided automatically by the airline. The benefits provided are usually in the form of compensation for death or disability in the event of a risk of a plane crash.
2 – International Travel Insurance
This type of international travel insurance or also known as Schengen Visa travel insurance is one of the mandatory documents if you want to travel to one of 26 countries in Europe. The benefits covered are also usually more complete, ranging from baggage damage, missed flights, accidents, and much more.
In addition to the Schengen area, Japan also requires tourists to have travel insurance when visiting. Therefore, if you want to visit Japan, you should register yourself in Asia travel insurance first before applying for a Japan Visa.
Independent vs Airline Travel Insurance Comparison
There are several airlines that provide additional insurance facilities when we buy tickets. In order not to be confused in choosing it, consider the following comparison of independent travel insurance and airlines:
Independent Travel Insurance
You can compare different policies, making it more flexible to choose insurance according to your needs.
Suitable for those who want to travel to areas of high risk of disease or to different destinations.
Choosing protection from an insurance provider directly will be better, especially if you use different airlines from one destination to another during your trip.
Generally, travel insurance is offered in the form of a benefit package, so we can only buy insurance with benefits that have been selected by the airline.
Travel Insurance from Airline
Suitable for those who want to travel to areas that do not pose a high risk.
It tends to be more practical because the transaction coincides with the plane ticket.
Usually airlines have collaborated with insurance companies to provide insurance, for example Garuda Indonesia in collaboration with Allianz. So even though we buy Allianz travel insurance through the airline, it is actually the insurance company that guarantees us.
Travel Insurance Prices
The price of travel insurance ranges from Rp. 20 thousand to hundreds of thousands per month. The amount of the premium price depends on the insurance company, destination, number of insured, duration of travel, and desired benefit or coverage.
How to Claim Travel Insurance
After buying a travel insurance type policy, then we are in an unfavorable situation (eg an accident) and want to make a claim. How do I file a claim?
The cashless claim method can be done by showing a card or insurance document to the hospital wherever we are while traveling (found on insurance with worldwide provider facilities ).
The reimbursement claim method is carried out using personal money first, then upon arrival in Indonesia you can apply for reimbursement of outgoing costs.
For claims for other losses such as lost baggage and flight delays on the type of domestic or international travel insurance, the claim method usually used is reimbursement.
Here is also a perfect details how to claim your insurance : Tips For You To Claim insurance