Traveling, especially abroad, usually you will be required
to have Travel Insurance or Travel Insurance at the time of the visa. Sometimes
this is unthinkable, even considered a waste of money, but is that right?
Essentially, such other insurance, Travel Insurance is
insurance intended to cover hospital costs, other costs and risks of financial
losses suffered during travel, both within and outside the country. In general,
travel insurance cover all hospital expenses, emergency evacuation expenses,
trip cancellation, deaths, injuries and disabilities caused by accident,
funeral expenses abroad, a delayed departure, loss, theft or damage to goods,
money and travel documents, lost luggage, and legal aid.
The cost of insurance coverage is usually determined from
the desired service, long trips, as well as the insured ages. Many travel
insurance products which also provide additional protection for an extra fee
for special things, such as existing medical conditions (such as diabetes,
asthma), outdoor activities that invite high risk (skiing, scuba diving), or
traveling to areas where considered at risk (the area being at war, prone to
natural disasters or acts of terrorism).
Travel insurance is very important for most people. The
reason, "Because of its protection, for peace and comfort of the
journey." Products purchased travel insurance should also be
comprehensive, covering health, luggage, delay in transit, and others.
From the experience of several people, most people have
not thought it necessary to buy travel insurance. "The reason their
existing private insurance they have, but not necessarily owned insurance cover
things that happen during the trip, such as private insurance cover the cost of
the hospital from the accident but no medical evacuation,"
He further explained that there are two types of insurance
products sold in Indonesia:
the first, the insurance products that bear the things promised by the system
of reimbursement or claim, and the second, Assist Card or membership products
which help for matters that covered by insurance can be found in the
destination country. "A kind of assistant who helps take care of, so no
need to pay."
Though insurance claims can be made directly to the
insurance office, travel agents who sell these products are usually willing to
help process claims. "We will help to gather documents and fill out a
claim form for our customers, but usually claim payments made directly to the
customer."
There are many travel insurance products available, but
the choice is in the hands of consumers. Insurance is offered for tour
participants are usually tailored to the company policy. For Asia,
yes there is a demand rarely travel insurance. Japan
requires for those aged over 70 years, as well as Australia, "Today's purchase
of travel insurance is mostly done by those who travel abroad, but there are
domestic travel insurance product. "This product is based on the distance
traveled; domestic travel insurance apply if the travel over 180 km from the
city of origin."
Sense of safety, comfort and peace may not be purchased
with money though. But it is still a lot of people who see travel insurance as
an 'unnecessary expenditure' because they thought that all would have been more
favorable.
TRAVEL GUARD Chartis
Advantage:
Medical & Accidental Dental expense up to $ 100,000
for the premiere plan.
War inclusions.
Offers 27 benefits: Medical & Accidental Dental
Incurred overseas expenses, medical expenses Incurred in Indonesia, Overseas
Hospital Income, Hospital Income in Indonesia, Emergency Medical Evacuation,
Repatriation, Repatriation Direct, Hospital Visitation, Compassionate Visit,
Child Guard, Emergency Telephone Charges, Automatic Extension of Policy Period,
Accidental Death & Permanent disablement, Travel Cancellation, Postponement
Travel, Travel Curtailment including aircraft hijacking, Travel interruption,
including laptop computers Personal Baggage, Baggage Delay, Travel Documents,
Travel Delay / Flight Delay, Travel Misconnection, Home Guard , Rental Vehicle
Excess, Golf Advantage, and Personal Liability, Cover in the event of
Terrorism.
Age limit: 1 to 80 years old.
Includes all your eligible children up to 18 years old,
regardless of number, under the family plan.
Gives you unlimited Emergency Medical Evacuation and
Repatriation cover.
Acts of terrorism are included.
Takes care of your rental vehicle excess up to EUR 250.
Provides cover for your household contents while you're
away.
Protects you while you enjoy leisure amateur sporting
sports, Such as scuba diving, water sports, winter sports, skydiving,
mountaineering, rock-climbing and trekking.
Covers up to 180 days per trip.
DOMESTIC TRAVEL SAFE
ACA
Safe travel is Domestic Domestic Travel Insurance in all
parts of Indonesia
from Insurance Central Asia (ACA).
The protection provided benefits include:
Death and Permanent Disability
Deaths from accidents other than
Cost - the cost of medical
Evaluation of emergency medical and Repatriation Medical
Repatriation of bodies
Loss of Deposit / Cancellation Travel
Loss of Baggage & Personal