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| kompas |
Many Indonesian tourists question the importance of travel insurance. Basically, travel insurance is useful to protect yourself in the event of an accident or bad risks in transit.
Many countries require their tourists to have travel insurance before arriving in the country. European and American countries definitely require you to have travel insurance.
KompasTravel collects some things you must know about travel insurance.
Type of travel insurance
Travel insurance covers many types, the most common is international. This insurance covers you from medical risks within the specified time frame. There is also annual insurance, covering both domestic and international travel with various purposes throughout the year.
There are companies that provide special haj and umrah insurance, as well as domestic insurance that protects the entire trip in Indonesia. There is also student assist that is special insurance of students who undergo education abroad.
How to Sign Up for Travel Insurance
Now, you do not need to come to the insurance office just to sign up for travel insurance. Some companies such as ACA, AIG, AXA and ACE serve travel insurance registration via online.
It's easy.
You just go to the travel insurance website, fill in the data yourself, destination country and the duration of the trip. You can choose what kind of insurance will be taken. You can use a credit card for insurance premium payment.
Prices and dependents
Executive Director of the General Insurance Association of Indonesia (AAUI), Julian Noor said, the premiums issued for travel insurance tend to be small compared to total travel costs.
"For those traveling, that's only a fraction of a cent, not less than one percent of their travel expenses," Julian told KompasTravel.
Prices and dependents of travel insurance vary, depending on the company we take.
Asuransi Central Asia (ACA), for example, has an executive type of insurance for 21 US dollars with a fee of 50,000 Euros. This type of executive insurance must be owned by tourists who want to visit Europe.
"Schengen must travel insurance, if Asian countries cost 12 US dollars per week," said Sugiarto, ACA Travel Insurance Product Owner to KompasTravel some time ago.
What is covered by travel insurance?
Basically all travel insurance covers the medical costs of tourists while abroad. But apparently, there are some additional premiums that can be bought for other protection.
"Travel insurance is also there to protect from baggage loss, or airplane delay," said Julian.
Many passengers complain about baggage loss, Many airlines do not compensate or just replace a small portion of the lost items. With an additional premium of travel insurance, you will get compensation if the suitcase is lost.
"There's also protection against the house, it's for those who travel and leave the house for a long time," added Julian.
What if there is terror in the destination country?
Lately, the case of terrorism has been rife in some countries. Starting from the shooting in Paris, coup in Turkey, until the case in Germany a few days ago. Little do you know, travel insurance also protects you from these types of terror risks.
"If the destination country tends to be unsafe or dangerous, you can apply to the insurance company for an extend or additional premium," said Julian.
You need to pay an additional fee for this one premium. Same as an additional premium to the protection of homes left behind on vacation.
"Usually insurance companies that provide travel insurance and cooperate with travel agencies have the same agreement or thought," added Julian.
More specifically, Julian asserts, travel agents are unlikely to sell tourist destinations for unsafe countries. So the majority of the insurance used does not include additional premiums.
However, reflecting on the case of terrorism that rampant some time later, it is better this one premium is added if you want to travel to Europe.
How to claim travel insurance
Julian said, the process of taking funds or the use of insurance is divided into two schemes. The first scheme is if the company is included in the worldwide provider.
For example during an accident, all you have to do is show the insurance to the hospital. But not all insurance companies provide this.
"The majority of ways of filing claims are with reimbursement schemes," he said.
Julian also explained, if fall ill or have an accident, you can seek treatment first in the country. Furthermore, you should request a certificate from your doctor as evidence when you file a claim in Indonesia.
Keep in mind, before buying travel insurance products, carefully first all the amenities. How much is the dependents of the company, how long and in which countries the insurer applies, as well as the way in which the claims apply.