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Travel insurance or travel insurance is an insurance product that offers protection to someone while traveling. This type of insurance is perfect for anyone who loves to travel. By protecting yourself with this travel insurance, you don't need to worry about adverse events. For example travel accidents, lost luggage, flight delays, etc. Because all costs caused by these losses are borne by the company.
This type of product is very suitable for those who have high mobility to travel either outside the city or abroad. Protection is provided by the company as a service to reduce the financial impact and risk of loss during the trip. In principle, this insurance is not mandatory. However, to provide a sense of security and peace of mind, we strongly encourage you to take out this insurance.
Interestingly, buying travel insurance is very easy. You can buy this product at the location before departure. In fact, not only legitimate companies offer this protection service, but also flight booking apps, hotel booking websites and even airports. Although not mandatory, some countries have special requirements requiring all travelers to have travel insurance in order to apply for a visa.
The best type of travel insurance is rarely known.
There are various types of travel insurance that can be considered when buying insurance, ranging from the purpose of the trip to the duration to the point of departure. The following are the most common types of travel insurance in Indonesia.
1. Depends on the purpose of the trip
This travel insurance is divided into two different types depending on the purpose of the trip itself, such as vacation or business purposes. The difference between the two types is the price you get. In general, insurance premiums for work and business travel are higher than for travel or leisure insurance. Because the risk that you will experience is also greater.
2. Based on travel location
Insurance can be differentiated according to the location of the trip, which is done by land, sea, and even air. In addition to these types, the company also takes into account the destination you want to visit when giving gifts. For someone traveling out of town, insurance only covers domestic travel coverage. On the other hand, if you are traveling abroad, insurance offers coverage for mobilizing overseas travel. The premium offered for overseas travel is of course higher than the domestic premium.
3. Totally insured
Travel insurance is also divided according to the number of insured (individual travel insurance) or per group (group travel insurance). Of course, since this is a joint venture, group gifts will be cheaper. Meanwhile, premiums for individuals are only self-financed. Usually, group travel insurance is often used by travel agents, schools, colleges or communities who bring groups for long trips.
4. based on schedule
Insurance can also be separated by period, namely for travel insurance or 1x trips or annual travel insurance for annual trips. If you are very mobile every year, an annual trip is probably the best and most appropriate recommendation. Because with this annual insurance, you no longer need to register insurance for every trip. Of course, the cost of annual travel insurance premiums is much cheaper and guaranteed.
Travel insurance benefits with the best agents
The role of travel insurance in protecting your trip is much better, smooth and comfortable, of course, cannot be separated from providing attractive benefits for policyholders. Now that's the big advantage of buying travel insurance from a trusted agent.
A compensation fee will apply for damage to lost baggage.
Compensation costs due to transportation delays or failures.
All medical and treatment costs are covered
Reimbursement for the cost of death due to an accident
Coverage of medical and nursing expenses in the event of an accident.
Cover financial losses due to other factors.
Medical protection for medical expenses and cash compensation abroad
Emergency assistance such as medical evacuation, repatriation of bodies, etc.
Protection against lost documents during travel
Travel insurance benefits for personal accidents and personal injuries
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