travel insurance

For those of you who frequently travel out of town or out of the country be it for business or pleasure, then you should protect your trip with travel insurance . The main purpose of travel insurance is to protect you from the risks as long as you make the trip . The most fatal risks of traveling , especially by plane was an accident . If you are not covered by insurance , the cost of treatment is costly accidents and you risk losing revenue because they can not actively work again will make your finances worsen already like falling down the stairs . For the purposes of this travel insurance needs.

What are guaranteed by the travel insurance ? In general, the following things are guaranteed by travel insurance :

Risks caused by accidents , illness during the trip , the cost of medical treatment , and so on .
Losses due to the cancellation of the tour cost , departure delay or acceleration of the schedule that has been collated , the losses caused by the technical problems of the airline concerned , lagging aircraft , aircraft piracy , as well as loss , damage , or entrainment of luggage .

How to get travel insurance ?

Today almost all travel agencies in the protection facility is equipped with the risk of travel insurance . You live to make sure that your travel agent . If there is no insurance coverage , you can ask to the travel agency .

The advantages of using a travel insurance :



Users travel insurance is considered more seriously in a business trip or leisure travel, therefore , if you are traveling abroad and need to stay a few days , then the embassy more easily approve your application .

Travel insurance claims procedure

In general, travel insurance claim filing procedures are as follows :

If there is a risk of such an accident or illness , immediately ask the claims process by completing the fields on the form with photocopies of supporting documents like flight ticket ( e -ticket ) , original boarding pass , passport photocopy of the front page , photocopy of passport on the page where the risk occurs .
If you need medical care in the country of destination , the claims process can dialkukan in 2 ways ( depending on the policy and cooperation with the travel agency insurance company ) which costs are paid directly by the travel agency or system damages after you return home .

In particular , there are two claims are often filed by the insured to the insurance providers that perjalanana pearwatan cost of medical claims and injury claims that result in permanent disability or death to claim the following mechanisms :

Complementary documents claim form :
Original claim form
Copy of ticket / itinerary
Copy of passport

Complementary documents claim the cost of medical care

Original receipts of medical expenses
Medical certificate from the hospital and laboratory test results
Medical reports results of hospital visits
Medical certificate from the hospital or the doctor who treated
Receipts for airfare / rail / sea transport

Death and permanent total disability due to accident

Original medical certificate
An autopsy original / Legalized
Original police report / Legalized
Original death certificate / Legalized
The results of X-ray examination
Permanent disability certificate from the treating physician

Tips to avoid travel insurance claim denials

If you follow all the agreements contained a clause in the insurance policy , then your travel insurance claim will be accepted . In fact many of us do not understand , or do not care about these things so that their claims rejected by insurance companies . To avoid this you should learn some of the following is the cause of your claims denied by insurance companies :

Not included in clause ( contractual agreement ) , eg : accidental death , but apparently customers died of illness then death claims will not be paid
Included in the exceptions , for example : natural disasters , nuclear , war , and visited by the local government ban on autu location , and accidents while doing extreme sports , such as bungee jumping , horse riding , diving , and others .
Incomplete documents become the most frequent cause of your travel insurance is rejected . You can learn what documents are needed Yag as described above .
Late paying premiums that are due or even not buy an insurance policy despite buying travel tickets .
Too late to claim insurance , usually tolerance given time is between 30-60 days .
In the category of insurance crimes , namely intentionally harm to themselves to get the insurance claim

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