Maybe you are one of those people who rarely think about the importance of travel insurance. Even though with travel insurance, you can be protected from various risks included daftar s128 while on vacation or office assignments out of town.
Travel insurance is a little different from accident insurance. If you buy travel insurance it means you are also protected by accident insurance.
However, if you buy accident insurance, it is not necessarily protected against events related to the trip itself.
So, if you already have accident insurance it doesn’t mean you can make a claim when your baggage is lost. However, if you have an accident while traveling, you can file a claim using travel insurance
What is Travel Insurance?
Then what exactly is travel insurance? Travel insurance is an insurance policy that you purchase to provide protection against financial risks and losses that may occur when you travel both domestically and abroad.
Travel Insurance Benefits
Some examples of financial losses that occur, for example, when your plane experiences delays and even departure cancellations. It often happens that your baggage is lost or misdirected, so you have to wait for your baggage to be sent back to its original destination.
Not only that will be covered by travel insurance, but also the risk of financial loss if you suddenly fall ill or have an accident while traveling.
Travel insurance can be your savior when you experience difficulties, especially if you are in a foreign country which will make it difficult for you to ask for help from relatives or family.
The advantage you can receive is treatment both at home and abroad when you have to be admitted to the hospital for various reasons. Likewise, when you lose official documents such as your passport and visa while abroad.
- Some things you need to know about travel insurance benefits
- Each travel insurance benefit will be very different, depending on the type you choose. Therefore, you need to adjust the type of travel insurance that meets your financial needs and abilities.
- For certain types, it cannot cover all events while you are traveling. You can confirm this through the insurance policy that you get. So, carefully study what benefits you can get from the type of travel insurance you choose.
- Travel insurance is designed to provide protection against
- unpredictable events such as an airplane crash. However, insurance also has exceptions to certain things. In this case, for example, BMKG has given a cautious warning not to vacation around Anak Krakatau Mountain. But you deliberately bought it to get a claim when something happened when you were traveling around the Anak Krakatau which was active and ready for an eruption. If this happens, travel insurance cannot cover this.
- Travel insurance also protects you from terror cases in several countries including Europe. Especially if the country you are visiting is an unsafe country, so the premiums paid will of course be even higher.
- Types of Travel Insurance
Before deciding to buy insurance, there are several types of travel insurance that you need to know first.
1. Purpose of travel
The purpose of this trip is to distinguish between trips for vacation or for work purposes.
This difference also affects the premium that must be paid. Likewise with luggage. Sometimes even though it is for work but to bring golf equipment.
Work-related travel is usually related to protecting valuables that are carried such as laptops or other work necessities, even though they are sports equipment.
Another thing that also distinguishes is that the urgency of business is very risky to lose profits due to flight delays.
This financial loss will be covered by insurance. For example, by providing flight ticket options with the next flight, it could also be with a different airline.
2. Place of Travel
Several countries such as in Europe, America and Australia provide high insurance premiums. Why? Because the cost of care and health in these countries is quite expensive.
So it is quite natural that the travel insurance premiums that must be paid will be much more expensive compared to other countries.
This insurance also usually covers domestic trips as well as trips abroad with different premiums. In fact, there is also special travel insurance for worship such as travel insurance for the Umrah and Hajj pilgrimages.
3. Number of Insured
For the number of insured, individual travel insurance (individual travel insurance) and group travel insurance (group travel insurance) are distinguished.
Of course, the more people who are insured, the more affordable the premium that must be paid.
Group travel insurance is usually used by travel agents who take their customers to travel to various destinations both domestically and abroad.
In addition, group travel insurance can also be used by schools or colleges that carry out study tours or field trips with students.
4. Duration of Travel
This type of insurance is adjusted according to the duration and number of travel departures. For example, there are those who take one trip (single trip insurance) or insurance that has protected all trips made in one year or a certain period of time (annual trip insurance).
The more frequent you travel, the more efficient it is to buy insurance with a longer term so you don’t have to bother making repeat purchases.
Annual travel insurance is also very suitable for workers who frequently travel on business.
Meanwhile, for those of you who rarely travel either for business needs or just for traveling alone, you can choose the type of travel insurance according to their needs.
Choose the best travel insurance according to your needs
Travel insurance has a very low premium. To make purchasing easier, now you don’t need to be bothered anymore because it can be done online by transferring an amount of funds according to the type chosen.
Some of the data required are very simple, such as the type of policy required, how many people will be insured, the purpose of the trip and the start and end date of the trip.
Each type has different benefits. For example, the Silver package only offers a loss of goods worth IDR 2 million, while the Gold package can get a claim money of up to IDR 8 million.
Likewise with other benefits such as trip cancellation, medical care costs due to accidents, permanent disability & total permanent disability, as well as loss of travel documents.
Travel insurance premiums are very affordable, starting from IDR 75 thousand to IDR 300 thousand per week for domestic and foreign destinations.
One thing you need to pay attention to is make sure how much sum insured, network and facilities you get from the insurance you buy.