Travel insurance is often overlooked sometimes for personal who like to travel. Yet behind it saved a lot of benefits, among others, to protect you from accidents which can occur at any time. You need to know that travel insurance is very important as protection. Before you decide to enroll in travel insurance, first know guide to buying travel insurance product as described below:
|Tips How to Buy Travel Insurance|
Tips How to Buy Travel Insurance
1. Product Knowledge
Understand the product by reading the contents of premiums carefully. Each travel insurance products, has details of coverage may differ, though almost entirely minimal bear two types of protection on top. If you've got protection from other insurance you have taken before, you should divert the travel insurance protection to get extra protection or Rider, so the benefits which you can gain maximum with affordable premiums. Rider product tours or trips eg high-risk sports such as mountain climbing, wild nature, or to a place that is considered dangerous such a conflict area.
2. Compare travel insurance products.
To get the protection that suits your needs, you need to compare the details of the contents of travel insurance products, which include price and premium facilities, the term of protection and the area of coverage. You can try to compare multiple travel insurance products, for example:
- SmartTraveller of AXA
- Travel Safe (VIP) from ACA
- Travel Simas of Asuransi Sinar Mas
- Zurich Passport of Zurich Insurance
3. Purchase travel insurance products from the right place.
It is most commonly performed by a travel agent when you will be traveling abroad use the services they are offering insurance packages to protect you during the trip. Actually, there are other ways to buy a travel insurance package, namely the online registration system and through insurance agents. You can choose the most convenient way you think.
All are rated in the same way by insurance companies. For the majority people, how to register by meet directly with the insurance agent is the most demanding. It is based on habit where most people prefer to ask and receive explanations directly from an insurance agent because it is more convincing than reading the details of insurance products via the internet.
There are a few things before buying travel insurance products to find out what will be covered by insurance companies, for example:
A. The activities or activities that are in the category not covered by insurance companies. If these activities are not covered and you will undertake these activities in the long term, you should buy additional insurance products so that your activities are protected from risks such as accidents or illness.
B. Select country or region that you visit frequently are included categories of coverage. If not covered, then you need to look for another insurance or purchase additional insurance.
C. Nominal insured. You must ensure that all risks can be covered optimally occur. For example, you have a camera worth $1500, then you must make sure that the products you buy, travel insurance can bear the risk worth the camera price if it is lost during travel.
Source pict: https://www.cekpremi.com/blog/jangan-remehkan-asuransi-perjalanan/