Insurance of any kind are not created to take
"advantage" of the disaster, but rather to provide assistance /
compensation with certain nominal due to "loss / helplessness / loss"
caused by an event that happened suddenly.
Similarly Travel Insurance (Travel Insurance), is an
insurance product that guarantees ketersediaaan a maximum service assistance in
case of accident where you are both at home, and abroad (Worldwide) as well as
whether any of your activities with family vacations, business trips short,
study abroad, as well as vacation in the Holy Land.
Travel Insurance Policy Travel Insurance Policy or
current is needed also by the traveler (Travelers) who will take care of
permits in foreign countries embassy to obtain the "Visa" visit. It
is very reasonable as required by the State on the one hand they have to be
visited are "not burdened with the relevant risk if hit by" accident
", but the other guests are more calm and comfortable during travel
because of the risk is already transferred to the Insurance.
Did you know that if you become ill or injured while
traveling abroad, your medical budget can not cover all the costs that will be
charged to you?If the cost of treatment is higher than the maximum of
your medical budget, then all costs are borne by you, unless you have purchased
travel insurance. In fact, you probably will not be accepted in hospitals in
some countries without proof that you have health insurance or medical
suspension.
This applies to everyone, regardless of age or length of
time abroad. Suppose you fall ill just a few hours after arriving at your
destination. Or suppose you're enjoying traveling to another country, and you
are injured in a traffic accident or suppose your children to be part of a group doing
classroom visits abroad, and suddenly food poisoning and requires
hospitalization. In all cases, without adequate travel health insurance, you
must take full responsibility for the costs that may be beyond the limits of
your medical budget.
Therefore, before going abroad, you need to make sure
that you are covered by medical travel insurance that will not break your
budget. You should check to see if the suspension has been available through
your medical budget, employee benefits, or even through your credit card.If the suspension to suit your needs, then you can enjoy
your trip without incurring additional costs in exchange for travel insurance.
However, if you are not confident with your suspension, or if the suspension is
inadequate or does not exist, then the next step is you have to research and
buy travel insurance in accordance with the scope you need.
What should you consider when buying travel insurance :
The following are some suggestions to help you do some
research before confirming the purchase.
1. Consider the worst thing that could happen. If you are
financially able to hold it then you probably do not need travel insurance or
maybe you do not need a comprehensive policy.
2. Make sure you consider the policies that provide
adequate medical coverage, including the suspension of medical evacuation. This
applies only if you need medical care in a place where there is medical
treatment under the usual standard of care that you get in your country. This
policy applies if you fall ill in a developing country or even on cruise ships.
3. Check the possibility of suspension of an existing
insurance policy. There is no point in paying more for what you already have in
your home, such as the suspension of theft and loss
4. If you travel frequently, you should consider annual
travel insurance policy or a year-round insurance policy is usually called
multi-trip travel. Whatever you call it, this policy is relatively inexpensive
when compared with single-trip insurance policy trip
5. Know what you are buying, so read carefully before
buying. Make sure that you understand the company considers to be a valid
reason for cancellation or interruption. If the terms are too strict, maybe you
should consider another policy
6. Do not limit yourself to buying only from your travel
agent. They may only have a single product companies available for your
convenience, but comfort obtained quite expensive!
7. Ask plenty of questions about the suspension. Play the
questions "What if ....". Ask for clear explanations of terms that
exist. Make sure that you and the travel insurance company that you are going
to speak the same language
8. Do not buy the insurance through your transportation
provider. If the airline went bankrupt, what about your insurance coverage?
Once you purchase your travel insurance :
Remember that your travel insurance policy protects you
by a certain date, so do not start your trip early or extend your trip without
first changing the dates of coverage on your travel insurance policy.Of course,
this may be charged extra, but it is certainly much cheaper than having no suspension
at all when you need it.
Also, one might almost say that you have to bring along
your travel insurance policy when you go abroad. You may not consulted about
the policy if he left your house. You also have to take a call toll-free number
from your travel insurance companies and other contact information wherever you
go.
Would not it be nice if you suddenly get sick or hurt and
the necessary policy information left behind in a hotel room instead. Also good
for you to take with you as well as medical coverage cards and info in your
bag.
I hope these tips will help you in getting the best
travel insurance. So, please continue your trip with the peace of mind that you
are insured by the right travel insurance policy is also at the right price.
Have fun.