Category: Advice

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.

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.

We understand the thrill of being a backpacker – travel insurance is the last thing on your mind when preparing for new experiences, food and culture.

However, backpacker travel insurance is an absolute must. In fact, it should be the first thing you budget for, as you can run into serious financial problems if something goes wrong while you’re away.

Today sbobet casino and us will talk about why backpacker travel insurance is so important, whether it saves you money, what it covers and what it doesn’t.

Why Have Insurance?

Backpackers find themselves in situations that ordinary travelers may not face. For example, they often have more flights and connections than holiday makers.

When traveling in an economically unstable country, they may have to replace stolen or damaged items which can be very expensive.

What’s more, backpackers often have to travel with large amounts of cash, leaving them vulnerable to theft.

Young travelers often live in cheaper – and therefore less secure – accommodation which means that valuables, such as cash, technology, passports and papers, are at risk.

Can it Save My Money?

Since many traveling the world are on a budget, this is often the first question they ask.

Of course, no insurance policy is guaranteed to save you money. Ideally, you shouldn’t use policies at all.

However, the longer you travel, the higher the chance that you will face a problem, be it a canceled flight, a stolen phone, or lost baggage.

In the six or nine months of your adventure, you will likely have to use your insurance policy at least once.

Therefore, taking a policy that is reasonably priced can save you a lot of money in the long run.

Many backpackers travel on little money and have little left over for additional flights, replacing technology or emergency medical care.

The right policy will cover all of these costs for you.

What Does Backpacker Travel Insurance Cover?

One of the most important things a good policy covers are medical costs.

Medical care can easily add up, especially when faced with serious injuries, and you don’t want to be stuck with a big bill when you return to the UK.

Specialist policies will also cover things like canceled flights, delays, accidental loss of valuables, theft or damage to your personal belongings, accidents and more.

Since most policies cover the length of your stay in multiple countries, you don’t have to deal with the complexities of insuring every travel assignment.

What’s Not Included?

The backpacker’s specific policy doesn’t cover everything, so always check the fine print.

Most insurance companies will not offer coverage if you plan to enter countries that the Foreign & Commonwealth Office has declared unsafe, this could be due to war or civil unrest.

Extreme sports, such as scuba diving, are also often excluded from normal policy. However, you can often request add-ons to include activities you shouldn’t miss.

While a cheap-as-chip policy is attractive when you’re safe and sound in the UK, you’ll be glad you paid for a comprehensive, trustworthy insurance plan once you start your adventure. Choose wisely and have a nice trip!

Also read: Choosing The Perfect Travel Insurance During COVID-19.

Various online gambling site providers have confirmed that there has been a gradual increase in the number of players on their website in recent times.

Also in indonesia the popularity of ( which mean online gambling in english) has raise up to 75% compared to before corona pandemic.

This includes because at this time gambling players cannot travel to land casinos directly, and almost all normal activities must be reduced and advised by the government to stay at home as long as the corona pandemic has not ended.

This indirectly encourages gambling players to switch to online gambling sites to get rid of boredom and stress while at home due to lockdowns or self-quarantine determined by the government.

In this article we will discuss some of the advantages that make online gambling more attractive than land-based casinos.

Here are some reasons why online gambling is better:

1) Diverse Game Options

One of the advantages and reasons people can enjoy online gambling is because there are various choices of casino games available.

In land casinos in general, you are usually limited to the number of games you can play due to the limited number of players at the table or the land casino does not provide several types of games that you may want to play.

Whereas on online gambling sites, there is no limit to the number of players who can play at one table, for example in live baccarat games.

Then the games available on the online gambling website are quite varied and you can play them all.

Generally the games available on gambling web are sportsbook, live casino, online slots, poker, lottery, shooting fish, cockfighting and many other games available for you to play.

2) Player Safety & Comfort

Another reason why online gambling players feel at home playing on gambling websites at their homes compared to going to casinos, is because on online gambling websites the data security and privacy of members are fully guarded and then at home you will avoid the possibility of contracting the Covid-disease 19.

Then there are also many gambling sites that block reverse withdrawals which prevent players from canceling their withdrawal process.

This goal helps ensure players stay safe and helps prevent members becoming addicted to gambling.

Then online casinos or online gambling sites are much more convenient than land-based casinos because you can play your favorite gambling game anywhere, whether at home, in the park or while traveling.

As long as you are connected to the internet via your gadget, you can directly access online gambling websites to play your favorite gambling game.

All of this means that you no longer need to spend time and money visiting land-based casinos that may be far from where you are.

You can enjoy all the games available at the casino from the comfort of the sofa in your home and be accompanied by your family.

This is one of the big determining factors why many people start switching to online casinos because of all the efficiencies that exist.

3) Bonuses and Promotions

Another advantage of playing online gambling is that you will get a bonus or promotion when registering.

Although this depends on the gambling site of your choice, usually new members who register will be able to claim a welcome bonus or bonus promo after the first deposit.

There are also some online gambling sites that have loyalty programs and VIP promos, but there are many other types of promos that may be provided depending on their website.

The 3 reasons above are why many people are willing to move to online gambling games.

Read Also: Is Travel Insurance Important For Traveler ?.

Even though it may not be as easy as it used to be, finding comprehensive travel insurance is still possible during COVID-19.

Below, we answer some of the most common questions asked in about travel insurance coverage in 2020, from finding a specialist provider for “no-travel” purposes to claiming applicable delays and stays.

Need to know

Are travel insurance companies covering the pandemic?

After the WHO announced that the coronavirus was a global pandemic on March 11, many travel insurance companies said they would not cover claims related to COVID-19.

However, there are still some companies that cover medical expenses for incidents related to COVID-19 while on vacation, as long as the destination is not provided for non-essential travel advice prior to departure.

Insurance price comparison website, Compare the Market, says that all travel insurance policies listed on their website “are likely to cover claims related to COVID-19 for emergency medical expenses and discharge.” However, please note that not all policies on Compare Markets cover non-medical issues, such as cancellation of flights or hotels (see below for more information).

My country does not have a travel corridor with my preferred vacation destination. Can I get travel insurance?

It is difficult, but not impossible. If you plan to travel to a destination that is not on your list of approved air bridges in your country, most insurance companies will not cover you.

However, there are some specialist providers that offer insurance to “no-go” destinations during COVID-19, such as Battleface and Wild Frontiers.

What if my government prohibits travel to my destination after I arrive? Is my insurance policy invalid?

If the government removes a destination from its travel corridor list while you are on vacation (and you buy insurance before you leave), your policy must remain valid.

Check with your provider before taking out insurance and only go to companies that are ready to offer coverage in this situation.

Is there a travel insurance company that covers travel cancellations or interruptions due to COVID-19?

Although most companies that issue travel insurance during COVID-19 will cover emergency medical care and return, it is unlikely that they will cover other COVID-related issues such as flight or hotel cancellations.

If your vacation package, flight or accommodation is canceled due to COVID-19, you can usually request a refund or postpone your trip directly with the airline, hotel or tour operator.

If I want to cancel my trip because of COVID-19, must my insurance company cover the costs?

It depends. Suppose you have purposely booked a vacation to a destination that was previously under unimportant government travel advice and recently changed your mind.

In this case, it is unlikely that your insurance will cover you. However, if a last-minute change in government advice forces you to cancel your vacation, then you may be able to claim.

However, as always, this is entirely up to your provider, and you should check it in person.

Is my insurance still valid if I have to undergo quarantine while abroad?

If you are forced to extend your stay for reasons beyond your control (for example, if you are unexpectedly asked to quarantine during your vacation), some companies will automatically extend your policy and cover all additional costs during your stay.

However, not all insurance companies do this, so it’s best to check your policy’s interruption coverage in detail.

Choosing the right insurance policy for 2020

Identify your needs

Would you like to travel to a country on your “no go” list? Do you need an insurance company that covers people over 65? These questions will help guide you on the type of policy you need and help narrow your search.

Do your research

It has never been more important to read the fine print. Once you have identified your insurance needs, dig deeper into each policy to see if it covers every base.

If the documentation is not clear enough or does not cover the important points as we have mentioned above, contact the company and ask your questions directly to the representative.

Reading the latest customer reviews can also help determine if a company is meeting its policies.

Also looks for the reason Why Your Travel Insurance Rejected.

Traveling around the world is one of the most extraordinary experiences that everyone can go through in an orderly manner. Going on expeditions to some new and exciting destinations, the best recommendation is going over seas to play on live casino. The same applies from the early hours of time and when the early sightseeing expeditions were attempted. Today, nothing changes and the world still offers many great options for places to go to. Of course, among all traveling enthusiasts, there is a large group of gambling enthusiasts who are willing to mix these 2 extraordinary activities.

For them, the decision to go on an expedition is based not only on the destination’s regular travel offers, but also on offers from casinos and other gambling and entertainment properties. In this regard, there are several positions, most notably large cities, which attempt to serve the same tourist. Across the world, there are many of them and some share a large comparison between the gambling industry and the rest of the city. On the other hand, there are some cities and other places that are really must-go gambling destinations for anyone who enjoys this activity. Each is a complete world of gaming and entertainment, which is why they have become successful household names especially outside the gambling industry. Here is a record of the world’s top gambling destinations for tourists.

1. Macau, China
   
   The real king of the global gambling industry is Macau. The area of ​​China which has the status of an enclave with partial independence, which allows for its gaming industry, is the largest gambling position in terms of annual income. With countless tourists to Macau from both mainland China and all over the world, it is a melting pot of Western and Eastern influences in a gambling paradise. Not only that, like the remains of a Portuguese colony, the enclave shares a unique blend of local culture and influences that arrived with ships sailing from Lisbon several centuries later. Today, the fact that this place is always a melting pot can be seen in the fine cuisine, the incredible natural city views and the incredible casino offerings.
2. Las Vegas, USA
   
   A city really begging not to be introduced, Las Vegas is naturally the starting place on this record. This is not due to the fact that it offers the best entertainment or travel deals – it will surprise many to recognize that it is not the most gambling center in the world, after all. In contrast, Las Vegas is here because of the star power it has. Unlike other great gambling positions on this record, Vegas is a classic pop culture icon around the world. Its star power is so solid that it entirely compensates for the fact that this gambling and gaming center is less than 70 years old. At first, it was simply the dust bowl of a city vanishing in the endless desert landscape of the US energy west.
   But after that, in the 1950s gradually began to grow into what was to be the mother of the world gambling city, at least in its name. Today, it is a must-go destination for anyone who likes to gamble when nothing else, down to its relevance on the world gambling map. But, not only that, the Las Vegas Strip and many mega-casino resorts are looking to spend some time practicing any gambler in the world.
3. Pahang, Malaysia
   Pahang represents the sultanate and federal state of Malaysia. Surprisingly, there is only one casino called the Highlands Resort Casino. At the same time, it is the only casino in the country. However, the things provided for instant guests are second to none. It sits at 6,000 feet above sea level and is surrounded by incredible natural scenery and some of the greatest levels of biological diversity on the planet. It has more than 10,000 hotel rooms as well as a golf and entertainment yard in addition to the casino. It is connected by cable car to other positions in the state and for those visiting it for the first time, there is nothing like that early experience. When it comes to exotic positions and settings, the Highlands Resort Casino is a must-beat. If you can’t come to Pahang, why not gamble online from the comfort of your own home? Click this to make a record of football and online gambling casinos.
4. Blackpool, England
   In many ways, Blackpool is a place that offers data on the world of the past. More than a century later, the city of England is one of the wifi for local tourism. With its cool sea and as far as the promenade overlooking the Isle of Man, it is a place that captures the imagination of the Edwardian traveler. Today, things have changed and the majority of people in the UK prefer a bright Mediterranean for their holidays than Blackpool, but for gamblers, this position is a must-enjoy. It offers a variety of partially listed casinos that place more emphasis on slot games.
   Naturally, for those who prefer to enjoy it at home, this is the best option. However, for the others, there is nothing like playing them directly and Blackpool is the place in England for this. With its later grandeur and elegance, a seaside resort needs to be felt at least once.
5. Reno, USA
   This city can easily be overlooked as a less relevant Las Vegas type. However, Reno did not carry the nickname the Most Small City in the World for free. It is a true hotbed of gambling activity and there are various casino resorts and other gaming positions that are convincing about it. What’s more, the largest gambling industry in the world, Caesars Entertainment Corporation, was founded in Reno a few years later. Not only that, the city has a variety of other places that tourists can visit, as it is located near the Sierra Madre mountains and Lake Tahoe. Here, tourists can gaze at the popular local automotive museum, enjoy extraordinary nature, or even more so, gaze at the mysterious concrete arrows in the nearby desert.

With a record of the top gambling destination in the world for these travelers, anyone can create at least one good inspiration for their next vacation stop.

Travel insurance is one of the mandatory things that must be owned before going on vacation around the world. With travel insurance, you will get protection against unwanted risks during your vacation trip. In Indonesia, there are many travel insurance service providers with their respective advantages and disadvantages.

Amid the many insurance products available, buy the appropriate travel insurance for potential tourists. But not to worry, here are some tips on choosing the best travel insurance.

1. Know the Protection You Get

Every insurance provider company has a different policy of benefits or protection provided. Therefore you must really know what is needed. If you already have life insurance beforehand, choose travel insurance that has benefits that are not covered in life insurance.

2. Adjust Trip Duration

The validity period provided by travel insurance is as stated in the insurance policy. Therefore it is very important to start departing on time, not earlier and not later. You must adjust the travel time according to the date stated and agreed on in the travel insurance policy.

Choose travel insurance that has an annual guarantee if you plan to travel to several places at once within a one year period, to make it more economical. However, if you only travel once a year, then you don’t need to buy annual travel insurance, because the fall will be more expensive.

3. Understand Travel Insurance Exceptions

Before policy approval, you must first have permission about things that are not covered by the travel insurance company. There are usually five things that are not covered, including (1) accidents due to alcohol and drugs; (2) deliberate accident; (3) accidents due to force majeure; (4) illness before insurance; and (5) pregnancy pregnancy.

4. Compare with other products

Before buying travel insurance, compare products with one another to make it more convincing. If necessary, ask for input from a financial consultant or travel agent. Purchase this insurance from a transportation service. This is because insurance can be neglected and scorched when companies related to it go out of business.

5. Browse Company History

Choose an insurance company that is known to be credible, trusted, and supervised by the Financial Services Authority (OJK). Make sure that the company you choose has a history of an easy claims system. Don’t be tempted by cheap premiums because usually submitting the claim process is difficult. Some recommendations from trusted travel insurance companies in Indonesia, for example, such as Allianz, AXA, ACA, and many more. AXA is the best one for giving insurance because from the experience of one of the online gambling bosses who has the site http://wmcasino.info/ has experienced plane delays and from the airline insurance provides benefits for these passengers.