Every trip we do whether it far and near fraught with risks. You often see on television, newspapers, magazines, or on the internet, a lot of accidents that occur. Indeed, events like this can not be avoided. Although you have a heart - the heart, it's still happening because everything is God's will. If so, we have to do is be smart to take the best course of action after the incident. In this case is the protection after the incident occurred. Maybe there was an accident that you will experience, and one of the best ways to bear all of it is travel insurance.
Travel insurance is best to protect you from any risks, including a plane crash prone. Insurance is not coercion, it's just that if you have an accident and inactivity to work again, chances are you will be dropped because they can not earn anymore. At such times, it is one that can help is to have travel insurance. When you have it, all difficulties can be overcome, including financial problems when you're lying down, sick (accident). You will feel helped and your family will also feel happy because of all the medical expenses can be covered by the travel insurance. Not only that, even travel insurance can provide many other solutions for you. Therefore you need to consider about this.
The reason why you need travel insurance?
Due to illness
Everyone has a few differences in the immune system, including the body's resistance to disease. There are some people who have a weak immune system. If you go on vacation to the place that has a little extreme weather, it is not likely you will be attacked by the disease. There are also some people who will be sick, when entering a new climates. So, you should pay attention to things like this.
Attacks Crimes
When traveling like a holiday or something else, so many possibilities that will take place in addition to pain. There are other things you always lurking. As wounded by crime, sexual assault, or robbery. All that could have you experienced outside as you imagine. So, you should have travel insurance to cover financial losses.
Accident
Which meant not only the possibility of an accident while traveling to the destination by plane, ship or other transport equipment. However, there are other activities that you should consider as surfing, swimming, hiking and other activities. If you have insurance, it may be borne by the company. With the provision you should pay attention to both the existing policy.
Natural disasters
For this you should know that no insurance company that supports the claim is based on an event that is beyond human knowledge.Including natural disasters such as tsunamis, volcanic eruptions, hurricanes and so forth. However, there are several events that make insurers can assess secondary events caused by natural disasters such as delays / cancellation of the scheduled departure time or flight.
Errors Airlines
There are some things common mistakes done by the airline. You must have often heard or even experienced losing luggage when traveling. With the travel insurance, then something like that can bear. In addition, the omission of other airlines are delays traveling / flying for several reasons such as technical error.
Some of the events that are usually covered by the insurance
- Physical accidents such as disability and death
- Delays, cancellations trip
- Loss, damage and delay of goods
- Outpatient costs in place, the trip and after returning home
- Hospitalization costs
- Doctor's fees and the cost of medicines on the spot, trip and after returning home
- Cost of evacuation (victim alive or dead)
- Family pickup costs (transport and accommodation)
How do I to get travel insurance?
Travel insurance is now widely available in almost all travel agencies and has been equipped with protection facilities. If you want to get it, you can contact your travel agent or contact the travel insurance agent. From there and will get his information about what documents are needed to obtain insurance on your travels.
Travel insurance claim procedures
1. Procedure claims in general
Procedure claims in general, can be done when you have an accident or illness. Then immediately submit your claim to the responsible party, and do not forget to make sure the documents as follows.
-Photos Coffee airline tickets
-Boarding Original pass
-Photos Copy of your passport (passport front page and the page where the risk occurs)
Additionally, if you only need the medical care in your destination country, then the claim that you can do a little bit different. Namely the direct payment by your travel agent or indemnity system after you return to your country. But to find this, you should know that all depends on the settings / your travel agent policy with an insurance company.
2. Procedure claims specifically
Procedure claims specifically, this claim submitted by you in the event of medical treatment such as accidents that are permanent disability or death. With the following documents.
Complementary claim form
-Coffee original ticket and schedule
-The original claim form
-Photos Copy of passport
The document claims for disability and death
- Original death certificate / Legalized
-Description Autopsy original / legalized
-Police -Report original / legalized (if associated with accident)
-The original medical -Description
-The X-ray inspection
-Description Of permanent disability from the doctor
For medical treatment
-Available Tickets receipts are in use
-Original receipts of medical expenses
- Medical -Description of the hospital (including the description of the treating physician and the results of laboratory tests)
- Medical -Report results of hospital visits
The process of claim which is owned by each insurance company may not be the same. Chances are you will get a notification about the addition of other documents. Thus, the above documents is not a patent because each company has a policy that is different, but an outline of the application process and documents in need is like the example above.
The process of claim which is owned by each insurance company may not be the same. Chances are you will get a notification about the addition of other documents. Thus, the above documents is not a patent because each company has a policy that is different, but an outline of the application process and documents in need is like the example above.
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