FOR BEGINNERS, THE UNDERSTANDING OF INSURANCE NEEDS TO KNOW

On the streets feel complete with careful preparation. Preparations that need to be done include tickets, hotels, travel schedules, to the list of souvenirs. However, besides tickets, travel now will be more complete with additional travel insurance.

Travel insurance is not only useful for protecting yourself from disasters that might occur during the trip. However, there are various benefits that can be obtained, which of course will be very useful.

The benefits obtained will certainly be adjusted to the type of travel insurance chosen. At present, there are many types of insurance. There are types of one-time or one-way insurance, and there is also annual or annual insurance. The second type is suitable for people who often travel abroad whether for vacation or work.

Meanwhile, when viewed from the side of use, this insurance is divided into local and international travel insurance. There is also a type of insurance that combines both local and international travel.

Then, if you have determined the type of travel insurance, how to register for travel insurance?

Technological advances have made it easy to submit and register insurance only in the grip of a finger. Because, several insurance companies such as ACA, AIG, AXA and Zurich travel insurance can be accessed through the online system. Only by completing the form on the desired insurance website, next is paying the premium according to choice? It's easy, right?

For prices and travel insurance dependents also vary, depending on the needs of each individual. For example for ACA insurance with the type of executive insurance. By paying a premium of US $ 21 or around Rp 290 thousand, this type of insurance has an insurance cost of up to 50 thousand euros or almost Rp 800 million. This figure when compared between travel costs and premium costs, will be very different. However, this type of insurance must be owned by tourists who will visit Europe, especially those who want to visit the country on a Schengen visa. Meanwhile, the insurance will usually cover the entire medical costs of its customers. In addition, travel insurance also has some additional protections such as protection of luggage until reimbursement of costs if there is a delay for the flight schedule. Not only that, there is also insurance that will provide protection for assets that will be left during the trip. For example, a house left behind during a trip will be safe if something unexpected happens.

The last point that is not less important is how to make insurance claims? At present there are two types of claims that can be made. The first is through the world wide provider system, namely by using an insurance card.

The card can be used to make claims by non-cash. The insurance card will be swiped to a special machine when claiming insurance. The convenience is, customers do not need to spend any money, unless there are medical actions outside the points of insurance provisions. Unfortunately, this type of system is not widely owned by travel insurance in Indonesia.

The second system is by way of reimbursement that requires the insurance holder to pay a sum of money in advance, which will later be replaced by the insurance party in accordance with the insurance costs stated in the insurance policy.

The advantage is that the insurance holder can appoint any hospital for treatment where the conditions must be to attach documents for the data verification process. But before that, make sure to have enough funds to pay in advance medical costs before being replaced by the insurance. This method really needs to be thought through, especially by backpacker travelers who usually don't have enough money for other additional allocations.

These are some things that need to be known about travel insurance. Understand the things mentioned above so as not to experience longer problems in the future. Hopefully useful!