Category: Advice

Travel insurance is a type of insurance that covers costs and losses related to travel. Useful coverage for those traveling domestically or internationally. According to a 2021 study by insurance company Battleface, nearly half of Americans face costs or have to pay for losses when traveling without travel insurance. 36% of Americans say they will be more likely to purchase travel insurance for international travel after the COVID-19 pandemic, and 34% will be more likely to do so for domestic travel.

What Is Travel Insurance?

Many companies that sell travel tickets or packages offer consumers the option of purchasing travel insurance, which is also known as travel insurance. Some travel policies include the cost of paying a ransom or damage to personal property, rental equipment such as rental cars. Often sold as a package, travel insurance can cover several types of coverage. The main categories of travel insurance include trip cancellation or interruption coverage, baggage and personal effects coverage, medical expense coverage, and accidental death or aviation accident coverage. Coverage often includes 24/7 emergency services such as replacement of lost passports, assistance with cash transfers, and rebooking of canceled flights. In addition, some travel insurance policies may duplicate existing coverage from other providers or provide coverage against recoverable charges in other ways.

Trip Cancellation Or Interruption Compensation

Trip cancellation insurance, also known as trip interruption insurance or trip delay insurance, reimburses travelers for non-refundable prepaid travel expenses. The Service Provider is subject to acceptable reasons for cancellation and suspension and the amount of refund available. The most commonly accepted reasons include illness, death of a close family member, sudden business conflict, and weather-related problems.

Baggage And Personal Effect Coverage

Baggage and Personal Effect Coverage covers items that are lost, stolen or damaged while traveling. This may include protection en route to and from your destination. Most airlines, like airlines, compensate travelers if their baggage is lost or damaged by mistake. However, there may be a limit on the amount of the refund. Luggage and personal effects coverage provides an extra layer of protection. The possibility of loss, theft or damage to baggage and personal effects is a frequent travel problem. Many travel insurance policies will only pay for your belongings after you have exhausted all other possible claims. Homeowner’s or renter’s insurance can extend coverage beyond residence, and airlines and cruise ships are liable for lost or damaged baggage in transit. Credit cards can also provide automatic protection against things like delays, baggage, or rental car accidents when used for deposits or other travel-related expenses.

Coverage Of Deaths Due To Aviation Accidents And Accidents

Accidental death and air accident insurance provides benefits to the surviving heirs if an accident results in death, disability or serious injury to a traveler or a family member accompanying the traveler like cuanslot have a lot of benefit for all players. Aviation accident insurance provides coverage for accidents and deaths that occur while flying on licensed commercial aircraft. General exceptions apply, such as death from drug overdose, death from disease, etc. If you already have life insurance, you may not need accidental death coverage. However, the benefits paid by travel insurance can be in addition to those paid by life insurance, leaving more money for the beneficiary.

Read More : The Importance Of Insurance For The Community

Buy Travel Insurance

Travel insurance varies from provider to provider with fees, exclusions and coverage. Buyer should read all disclosures before purchasing insurance. Coverage insurance is now available for single, multiple, and also annual trips. The per trip guarantee covers one trip and is ideal for the occasional traveler. Multi-trip coverage covers multiple trips that occur during a year, but no trip can exceed 30 days. Annual insurance for frequent travellers. Protects for 1 year.

The question of explaining the importance of insurance for society of pgsoft slot company can be answered by looking at the various benefits of insurance. Please note that insurance products provide many benefits for human life. Insurance can provide a sense of security to the insurance holder. It is this sense of security that makes us live more comfortably and calmly.

In addition to providing protection and a sense of calm, insurance also has several other benefits. These benefits are the reason for the importance of insurance for the community. For more detailed information, see the following explanation.

The Importance of Insurance for Society

1. Reduce the impact of individual losses

One of the first important meanings of insurance is that it can prevent individual losses due to unforeseen events, such as accidents, fires, to falling ill that force a person to be hospitalized intensively. This incident can cause a person to experience great losses.

Having insurance can be an effort to protect yourself from these losses. Because insurance is able to finance losses that occur due to unexpected events.

2. Make life more calm

Another important meaning of insurance for the community is that insurance can make life more calm, because insurance can lighten the burden when unexpected things happen.

For example, when the insurance owner falls ill, he or she no longer needs to pay for medical expenses because there is insurance that will cover the medical costs. So, when the person has no money and falls ill, that person can still seek treatment at a quality health facility. Thus life will feel more comfortable.

3. Investment and savings

When you have insurance, you can get a guaranteed return on investment at the end of the contract. Insurance products used as investments usually provide flexibility and flexibility to choose the time of coverage.

Usually there are three choices of coverage, namely five, seven, up to ten years. Insurance premiums paid monthly can also be useful as savings for the future.

4. Help manage finances

When someone has insurance, then he has to pay regular premiums every month. So indirectly, someone will provide special funds to pay the premium. Thus, the insurance owner will be more disciplined in managing finances.

5. Help realize future dreams

Everyone’s dreams are certainly different, but each of us would want those dreams to come true. Insurance can actually help someone to realize their dreams. For example education insurance. Every parent wants their child to get a higher education. One way to realize this desire is by participating in an educational insurance program.

6. Provides a sense of security on the way

Providing a sense of security while traveling is an insurance benefit that is no less important. Insurance products that provide this guarantee are travel insurance or travel insurance.

By joining this insurance program, you don’t have to worry if you lose your belongings during your trip until an accident occurs on the way. This insurance will be fully responsible for replacing losses on the trip, so that during the trip you will feel more secure.

7. Protecting the family

Insurance not only provides protection for yourself but is also useful for protecting your family. For example, a family head who has life insurance then unexpectedly has a work accident that makes him unable to work anymore. Then the life insurance that has been followed can be disbursed to ensure family life. From here we can know that insurance can protect our loved ones.

Those are the seven meanings of the importance of insurance for the community that need to be understood. After knowing the various benefits that will be obtained, there is no harm in us starting to consider participation in insurance products according to needs.

Read more : Manfaat Lengkap Membeli Polis Asuransi Perjalanan

Salah satu hal terbaik yang membedakan semua polis asuransi dari polis asuransi perjalanan adalah jenis pertanggungan yang ditawarkannya. Karena cakupan luas yang disediakan, tidak sulit untuk melihat mengapa polis asuransi perjalanan adalah salah satu yang terbaik yang pernah ada. Dengan tingkat integritas yang tinggi dan catatan layanan pelanggan yang luar biasa, adalah salah satu penyedia polis asuransi perjalanan terbaik yang dapat Anda temukan secara online. Anda bisa mendapatkan penawaran asuransi perjalanan secara online dengan login ion casino tanpa repot untuk mengetahui berapa biaya asuransi ini.

Perlindungan Lengkap

Paket asuransi perjalanan adalah salah satu dari sedikit polis asuransi perjalanan yang mampu memberikan pertanggungan dan perlindungan lengkap dari segala jenis kejadian mengerikan yang mungkin terjadi. Polis asuransi perjalanan akan melindungi Anda dari kejadian tidak menyenangkan yang mungkin terjadi dan akan membantu Anda dengan tepat. Karena layanannya yang luar biasa, perusahaan telah menerima ulasan Asuransi perjalanan online yang luar biasa.

Kecelakaan Diri

Mungkin ada situasi yang tidak menguntungkan yang mungkin terjadi saat Anda bepergian ke luar negeri. Keadaan darurat dapat terjadi tanpa pemberitahuan dan begitu juga kecelakaan. Saat Anda bepergian ke lokasi baru, Anda mungkin tidak mengetahui apa yang harus dilakukan dalam kasus seperti itu. Di situlah polis asuransi perjalanan mungkin sangat berguna. Polis akan menanggung Anda untuk biaya yang timbul dalam situasi seperti itu.

Kehilangan Bagasi

Hal ini mungkin terjadi pada banyak orang di seluruh dunia dan tentu tidak jarang kita mendengar tentang orang-orang yang kehilangan tas mereka selama transit atau di bandara. Oleh karena itu, Kebijakan Asuransi telah membuat rencana komprehensif untuk mengatasi masalah ini. Dengan bantuan paket asuransi perjalanan yang luar biasa, polis asuransi perjalanan selalu siap membantu pelanggan yang kehilangan bagasi. Tentu saja ada skenario di mana bagasi tertunda karena keterlambatan bagasi dari ujung bandara.

Kehilangan Paspor

Peristiwa yang sangat mengerikan yang mungkin terjadi adalah hilangnya paspor Anda. Karena ini adalah dokumen yang sangat penting, Anda harus bersedia menyimpannya dengan aman. Karena fakta bahwa kehilangan paspor Anda dapat menghambat rencana perjalanan Anda secara keseluruhan, ini adalah aspek yang sangat penting dari rencana asuransi perjalanan. Ada biaya dan prosedur tertentu untuk mendapatkan paspor Anda kembali atau membuat paspor baru di negara lain. Dalam kebanyakan kasus, Anda akan diberikan izin sementara yang dengannya Anda dapat melewati imigrasi dengan syarat. Biaya yang terlibat ditanggung oleh polis asuransi perjalanan. Ini memungkinkan Anda untuk jauh lebih santai dalam prosesnya dan pada saat yang sama tidak perlu khawatir tentang keuangan yang terkait dengan hilangnya paspor Anda.

Perlindungan Kesehatan

Sangat mudah untuk salah paham atau meremehkan pentingnya asuransi kesehatan perjalanan , terutama jika Anda adalah salah satu dari orang-orang yang hanya bepergian untuk jarak pendek atau untuk jangka waktu yang sangat singkat. Ada banyak hal yang mungkin tidak perlu di bawah kendali Anda. Anda mungkin mengalami kondisi parah yang mungkin tidak Anda antisipasi sebelumnya. Jika durasi perjalanan Anda pendek dan frekuensi lebih dari satu kali dalam waktu singkat, Anda harus memilih kebijakan perjalanan ganda untuk memastikan cakupan. Polis asuransi perjalanan juga memberikan perlindungan kesehatan yang luar biasa dan merupakan salah satu yang terbaik yang dapat Anda temukan. Pelanggan kini dapat mengandalkan polis asuransi mereka jika mereka menghadapi krisis kesehatan selama perjalanan mereka.

Tunjangan Harian Rumah Sakit

Dalam hal tertanggung dirawat di rumah sakit untuk jangka waktu lebih dari 48 jam dan juga jika telah menerima tanggung jawab di bawah pertanggungan biaya pengobatan, maka perusahaan akan membayar tertanggung US $ 30 untuk setiap hari yang ditanggung oleh tertanggung. rawat inap di rumah sakit, dengan batas maksimum sebagaimana disebutkan dalam polis. Ini adalah aspek yang sangat penting saat membeli dan selama perpanjangan asuransi perjalanan.

Masalah Bagasi

Ada skenario di mana Anda mungkin tidak segera menerima bagasi karena penundaan penerbangan. Itu bukanlah pengalaman yang menyenangkan dan dapat menyebabkan banyak masalah, terutama jika Anda memiliki sesuatu yang sangat penting di dalam tas itu. Polis asuransi perjalanan tidak hanya menanggung kehilangan bagasi Anda tetapi juga keterlambatan bagasi. Anda dapat mengklaim jumlah tertentu dari asuransi untuk segala jenis gangguan terkait bagasi yang mungkin Anda hadapi. Jumlah ini akan dibatasi.

The insurance industry is currently situs ion casino being stirred up about the artist and politician Wanda Hamidah who admits she regrets using Prudential’s health insurance. He also felt cheated by the insurance. He revealed this on his social media account until it became a hot topic of discussion.
Executive Director of the Indonesian Life Insurance Association (AAJI), Togar Pasaribu asked customers to understand product options before choosing the right life insurance.

“To avoid misunderstandings, make sure customers read and understand the products and benefits they get from life insurance because if you dont read it carefully, you can make a big mistake about it on how later on you will claim it for yoruself, including the requirements and the claim process,” Togar told Antara in Jakarta , Wednesday (13/10)
He said very carefully about it, the product to be chosen must also be adjusted to the needs, if the insurance product offers investment value, always understand that investments that offer high returns also have risks.

Several insurance products must also be compared before making a decision, the comparison can be seen, among others, through the terms of the policy, the amount of coverage, risks, and returns offered.
In order to avoid problems in the future, Togar reminded prospective policyholders that they must also take full advantage of the free look period, which is the time when prospective policyholders can read and understand further the terms and conditions of the policy.

“If the prospective police holders agree with these terms and conditions, then they can sign the policy, including in this case the part of the policy relating to the name of the policyholder, the insured, and the heirs,” he said.
On the other hand, prospective policyholders must also pay attention to the requirements for submitting a claim listed in the policy, because the submission of a claim can be rejected if it does not comply with the policy requirements.
Thus, the customer must know what provisions are listed in the policy, for example the provision for a waiting period because there will be claims that cannot be paid.

Claim Submission Can Be Rejected

Then, Togar explained that the application could be rejected if the claim is outside the coverage coverage because in the policy there is protection coverage borne by the life insurance company, such as death by suicide, which is usually not included in the coverage coverage so that the claim will not be paid.
Customer claims can also be rejected if the submission documents are incomplete, so the terms and conditions must be considered because each life insurance company has now provided convenience for claims by attaching the required information and forms on the company’s official website.

In addition, he said that the submission of a claim can be rejected if there is important information that is hidden or not informed as it is, such as a history of illness
“This will affect the claim process if different data information is found,” concluded Togar.

Here is also tips for you on how to claim insurance : Tips For You To Claim insurance

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:

Travel cancellation
Baggage delay
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 Expenses
Medical Evacuation Fee
Death and Disability Compensation
Riot Compensation
Legal Fee
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

Understanding about insurance is not easy, because there are many things that need to be observed. Especially if you want to file an insurance claim. So that you don’t feel cheated because your insurance claim is rejected, we must both understand how insurance claims work. The best insurance you can find out on playtech.

1. Make sure your data is correct

The personal data that you fill in when registering for insurance is one of the crucial things during the claim process. This data can include full name, address, contact number, age, health condition, and more. If the insurance company finds that there is data that is different from that stated in the policy, then the company will have the right to reject the claim you submit.

2. Your policy must be active

When submitting a claim, the insurance policy must be in an active state. This means you can’t stop paying premiums in arrears. If you do not pay within the specified time, your policy will be declared lapsed or void. In the void position, it is possible that your claim will be rejected. Therefore, don’t forget to pay your premium.

3. Already past the insurance waiting period

Some types of insurance have a waiting period, usually for health or critical illness insurance. The waiting period is the period when the insurance is not yet active. This waiting period is useful for reducing cases of pre-existing conditions, or cases of people who are already sick before getting insurance.

So for example, you buy Super Strong critical illness insurance on January 1, 2020 and the waiting period is 1 year. Then you can only submit a claim starting from January 2, 2021.

Therefore, it’s a good idea to double check whether the type of insurance you have has a waiting period. Some other types of insurance, such as Super Safe accident insurance, have no waiting period at all.

4. Find out what cases can be claimed

When buying insurance, you must be thorough and careful in checking the benefits and functions of the insurance provided. Maybe they include medical expense coverage, but what is this medical expense for? Can it be outpatient or only for inpatient? Can it cover treatment or lab test results? There are certain conditions in your insurance benefits, so check more carefully!

For example, reimbursement of medical expenses. Reimbursement of medical expenses due to accidents is not only for Inpatient, but also for Day Surgery. However Treatment or Surgery Discharge Today must be within 24 hours of the Accident. By understanding the specific case, you can understand whether your case meets the criteria for filing a claim.

In addition, there is also an exception clause. Cases in this exception are not covered by insurance. For example, if it is proven that the Insured (the person whose life is insured) has died due to suicide, the Insurance Benefits cannot be claimed.

5. Submit a claim on time

Each insurance claim has a certain deadline for submitting a claim application. If you submit a claim late, your claim may be rejected. For example, if in your insurance policy it is stated that the claim application must be submitted within 30 calendar days, then it cannot be later than 30 days.

If you miss it, unfortunately you can’t claim the protection benefits that should be yours. Make sure you and your heirs know about this insurance deadline so you don’t miss it, SUPERjuang Friend!

6. Collect Documents Completely

There are various kinds of documents that you must collect when submitting a claim. This document must be complete and filled out correctly. If there is even one wrong information or incomplete document, then your insurance claim can be rejected.

You can check the required documents on your insurance policy. If you have Super You insurance, you can check it online by looking at the Claim menu, selecting the type of claim you want to submit, and checking the claim procedure and required documents.

7. The incident occurred during the protection period

The risk that occurs must be within the protection period. If this risk has occurred before the active period of insurance or after the active period of insurance, then the claim cannot be submitted. The way insurance works is only to protect you when the insurance itself is active.

If you get sick before you have insurance, this case is also called a pre-existing condition. If you buy insurance when you are sick, then the possibility of medical costs from diseases that occurred before the insurance cannot be covered. This is why people say provide insurance while still healthy and young.

8. The incident was not caused by a violation of the law

Cases caused by violations of the law are usually included in the exception. This means that if the Insured has an accident because he is running from a theft case, then the Insured accident insurance cannot be claimed.

9. The incident was not caused by the influence of alcohol or drugs

Just like in cases of breaking the law, the incident must not be caused by the influence of alcohol or drugs. This case falls under the exception as well. If the Insured suffers an accident due to driving under the influence of alcohol and dies because of it, it is unlikely that his life insurance claim can go down.

10. The case was accidental

Intentional cases, such as intentionally self-injury or burning one’s own house to obtain insurance benefits, will not be able to be claimed. Cases like this can even be regarded as insurance crimes or forms of insurance fraud.

If after investigation it is found that an incident was intentional, the insurance company will reject the claim submitted.

11. Make sure the location of the incident is in the insurance service area

Not all insurance services can cover all regions or countries. If you experience a risk outside the coverage area of ​​the insurance service, then you may not be able to submit a claim.

For example, you have health insurance in Indonesia, but you fall ill while in Malaysia. If the health insurance service only covers Indonesia, then you cannot submit an insurance claim.

Therefore, it’s a good idea to re-check how wide the coverage area of ​​the insurance service you have.

Smooth the Claim Process!

Hopefully this way, SUPERjuang Friends can better understand what you can and can’t do when submitting an insurance claim. If you do the insurance claim method correctly, you can also get protection benefits from existing insurance.

The most important thing is that you are careful when studying insurance policies. If it is difficult to research one by one, you can try online insurance

Super You which is much easier to understand. The required claim documents and insurance policies are clear. Researching insurance policies is as easy as using Ctrl+F keys and entering keywords.

https://www.youtube.com/watch?v=F9TgOC1GkZw&t=37s

Yesterday I was chatting with my friend who just returned from Europe, he told me about the flight delay he experienced and how he benefited from his travel insurance claim, here I try to share the steps I learned.

So how to make a travel insurance claim? The way to claim travel insurance is to fill out a claim form and then submit it along with supporting documents to the insurance company, after which the claim money will usually be disbursed within 14 days.

Claims can be reported via email and telephone, but physical documents must still be sent to the insurance company.

In order for the claim process to be fast and approved, make sure the claim form is filled out completely and all supporting documents are complete and in accordance with the requirements of the insurance company.

4 Tips for a successful travel insurance claim

Travel insurance claims are not common, most people are not familiar with claim best practices because this is not a daily activity, most people or MAXBET agent have never claimed for a lifetime travel insurance.

So what are some travel insurance claim tips to make it work? Here are some effective tips that will ensure your claim is successful:

Tip #1 Take care of the documents you need right away, don’t delay

Travel insurance claims can be divided into two, large expense claims such as hospitalization costs and small expense claims such as flight delay claims, late arrival baggage and others.

Many people are half-hearted when handling small expense claims, as a result they tend to delay getting the required claim documents.

For example, when your plane is delayed or your baggage is left behind, don’t leave the airport and head to the hotel, you should stay at the airport and take the time to reread your travel insurance policy.

Check what claim documents are needed to claim flight delay benefits.

It takes a lot of time and energy to go back to the scene and take care of claim documents, especially if you are in a foreign country, there must be a sense of reluctance and hesitation.

Bonus tip #1: save your insurance company’s contact details and your travel insurance policy details in your cellphone’s phone book so that you can access them immediately when you need them.

Bonus tip #2: Bring your travel insurance policy when traveling so you can see if you need it, now travel insurance policies are widely available in soft copy versions so they are easy to carry.

Tip #2 Submit a claim in the country of occurrence, don’t wait to go home and then claim

There are 2 advantages if you file a claim in the country of occurrence, namely:

You are still in the destination country, so if it turns out that your claim documents are incomplete then you can be easier to manage and complete than if you take care of the documents when you are back in Indonesia.
The benefit payment process will run earlier so that the replacement funds will come out earlier as well.

Tip #3 Get documents with letterhead, company stamp and signature and wet full name (not digital signature)

Whatever benefit claim you submit, always try to ensure that your claim document is of high quality with company letterhead, company stamp, signature and wet full name.

If you request an airline certificate regarding flight delays, ask for a delay certificate printed using the airline’s official letterhead, with the airline’s stamp and signature and full name of the airline representative.

While on the invoice document and hospital receipt, ask for the document to be printed on hospital letterhead complete with a hospital wet stamp and the signature and full name of the doctor who treats you.

Read too : 5 Mistakes When Buying Travel Insurance

Tip #4 A quality document always contains 3 pieces of information: your data, data from the informant and detailed incident data

Each institution has a different draft format for their formal documents, but all good institutions must have standard documents that contain your information as a customer, their information as a service provider / product owner and information on the incident or purpose of the document.

For example, in every hospital invoice, there will be information on the name and address of the hospital, there will also be information on the name and address of the patient and there will be information on drugs and doctor services that have been used by the patient and must be paid to the hospital.

No one knows a person’s age. You may die not because of illness, but because of an accident while traveling. The best insurance also will provide from spadegaming slot. The crash of the plane or the sinking of the ship you are traveling in is a signal for those who should make you realize how important the function of insurance is.

The main function of insurance is to minimize or bear risks related to conditions that you may experience in the future. These risks can come from anywhere and in any form. One of them is an accident that results in death or physical disability that occurs on your trip.

Therefore, it becomes very important to have insurance that specifically addresses the various risks of your trip. In Indonesia, the issue of travel insurance has not been highlighted too much. However, in countries such as Europe and America, travel insurance is a mandatory item owned by travelers or people who stop by countries on both continents.

Travel Insurance Benefits

Just like insurance functions in general, travel insurance is very important to minimize the various risks that may occur on your trip when taking public transportation, such as planes, ships, or trains. However, don’t think that travel insurance only offers accidental death compensation.

Travel insurance benefits go beyond just providing death compensation to the bereaved family. At least, there are three main benefits offered by this type of insurance.

1. Medically Protect

No one likes to fall sick, especially when they are on a trip or vacation. Not only does it ruin your trip, illness can also drain your wallet. For example, if you are sick while traveling abroad, can you imagine how much it will cost you to consult and go to the doctor and buy the medicine?

The main function of travel insurance is to provide medical protection. For this reason, many countries require tourists who visit their country to have travel insurance so that there is no difficulty if they suddenly fall ill while on vacation. Medical protection which is the benefit of travel insurance, including medical expenses and cash compensation for hospitalization for the travel insurance participants.

2. Giving Accident Compensation

Several plane accidents that have occurred in recent years have made more and more people assess the importance of the function of travel insurance. By becoming a participant in travel insurance, you can get guaranteed compensation in the event of an accident related to the mode of transportation used in the trip.

For example when buying travel insurance when booking a plane ticket. The insurance company will provide compensation if your plane has an accident.

Compensation will be given in two main conditions. First, there is personal accident compensation that is given if you are injured, injured, or permanently disabled during the trip you take. The amount varies according to the agreement between the insurance company and the policyholder.

Then the second, there is cash compensation to the family of the policy participant if an accident on the trip causes death. In addition, policy participants will receive insurance for emergency evacuation and repatriation costs if an accident occurs.

3. Compensate for Discomfort

Trouble on the road isn’t just an accident. Things can also happen that make your travel activities annoying and uncomfortable. For these things, travel insurance can provide compensation. At least, there are three types of inconvenience in travel that can be compensated by the insurance company.

The first is the inconvenience caused by losing your luggage or baggage, especially if you are an airplane passenger. Second, related to inconvenience due to delays in departure or time to arrive at the destination.

Finally, the inconvenience that arises due to trip cancellations. The insurance company will generally provide compensation in the form of money and certainty for you to be able to resume your journey more comfortably.

A Peek at Travel Insurance Jobs

You are probably currently thinking about how travel insurance works and how you can get coverage if you have this type of insurance policy. Like insurance functions in general, you must be an insurance participant if you want to get protection from an insurance company. Later, your premium money will be managed and invested by the insurance company in order to later be able to cope with risk costs that may occur according to the agreement in the policy.

No different from other types of insurance, you have to submit a claim if you want to get coverage from the travel insurance that you follow. So if you feel you have suffered a loss due to travel, immediately report it to the insurance.

Reporting must be done immediately because travel insurance generally has a shorter claim report expiration than other types of insurance. Make sure you check the expiry date of travel insurance in the section of the insurance policy that you have purchased.

In reporting a loss, you must complete the necessary documents and provide a detailed explanation of the loss you have experienced. Documents that must be prepared for reporting losses include travel tickets, identity cards, passports if you are traveling abroad, and a completed claim form.

Describe the loss you experienced in detail on the claim form. You should describe the chronology of the travel conditions that you experienced until it finally caused a loss, either due to an accident or inconvenience due to loss of goods or trip cancellation.

The insurance company will check the completeness of the documents and the chronological fairness that you tell. The cost of coverage will be given if the insurance does not find any irregularities in the documents and reports.

Especially for the disbursement of funds that lead to the function of travel insurance as medical protection, generally there are two schemes used by insurance companies. The first scheme, you only have to show the insurance policy to the hospital at the place of travel if you are sick in a certain city or country.

The second scheme, insurance companies use a reimbursement system where you pay for medical treatment yourself in advance; just filed a claim at the place where you purchased the travel insurance policy.

Regarding death compensation, generally the insurance company will provide compensation according to the passenger data in accordance with the policy data. The death benefit will be given directly to the family who are the heirs of the insurance participant who died on the way.

When to Buy?

According to the name and function of travel insurance, you should buy this insurance product every time you want to travel out of town or abroad. In general, you can purchase a travel insurance policy at least 7 days before the participant buys a ticket or travels. However, in some cases of overseas travel, some countries may even ask you to purchase a travel insurance policy before applying for a visa.

You can also adjust it to the travel insurance model you choose. Single trip travel insurance must be purchased every time you want to travel because it has a maximum guarantee period of 180 days of travel. However, if you become an annual travel insurance participant, you can travel freely throughout the year without having to buy an insurance policy every time you want to travel. However, there is a limit of travel dependent days in this travel insurance model, which is only 90 days of travel for a period of one year.

During this pandemic, travel insurance in general cannot handle all your needs. The reason is, there is also a possibility that you are exposed to COVID-19, the costs and compensation for the disease have not been covered by travel insurance on average.

In order to anticipate the possible risk of being exposed to COVID-19 while traveling, you should also prepare insurance to protect yourself from COVID-19. PFI Mega Life has a Mega Personal Accident product that can provide compensation to your family if you die due to COVID-19.

Insurance is a financial product that actually has great benefits for overcoming financial problems. the existence of insurance can also help ease the financial burden, if things happen that we don’t want.

This insurance comes from various sectors. Not only for health, insurance is also present for those of us who quite frequently travel out of town or even abroad.
Although the existence of insurance is important, it is not for some people.

Sometimes people still feel sorry that they have chosen insurance. It turns out that this happened because of the mistake of certain people, who may not have been careful when choosing the insurance. Choosing insurance also should not be arbitrary, it must be examined in detail the various conditions.

The following has summarized 5 mistakes to avoid when buying travel insurance:

You Forgot to Ask About Detailed Information

If you are already an insurance customer, it is highly recommended that you get detailed information about the insurance slotdemo product you choose. When choosing insurance that may be offered by a particular agent, try to ask more details about the insurance you want to choose.

Ask the installment amount, the premium that must be obtained, and what facilities are obtained, and how to submit a claim. Mistakes that may often occur are, maybe you forget to ask about this important matter for various reasons.

Need an Insurance Illustration

Why some people choose not to get involved with insurance, this is because the insurance pattern is quite complicated to understand. The solution is, you really have to find detailed information about the related insurance. In addition, try to also ask the insurance agent to explain the insurance illustration so that you better understand it.

Forgot to Record Agent Contact

Maybe you are someone who is quite busy with a myriad of work activities in the office, so that you can’t take the time to visit the insurance office. But you really need this insurance. In order to continue to be able to update information about insurance, you should note the contact number of the agent who previously offered insurance products. If there is, also note the BBM Pin, Whatsapp of the agent, so you can contact him more quickly.

Not Paying Too Much Attention to the Insurance Policy Book

After choosing insurance and receiving the insurance policy, you will usually be given the opportunity to study the policy book. Immediately ask the insurance company, if there is something in the policy that you may not understand.

Give an Information false

However, it would be very wrong, if as a customer you provide false information just to grant the insurance. You will be affected later, such as rejected claims, because the data does not match the events and the real thing.

Make sure you choose insurance because you need it

Once again, the function of insurance is as a guarantee for you and your family if something untoward happens to you and your family. Therefore, make sure you choose insurance because you really need it. Pay attention to insurance claims, before the deal choose the related insurance.

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 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.