What is Travel insurance?

What is Travel insurance? 
Travel insurance is a type of insurance that is intended to provide protection during your travels. Travel insurance does not belong to the type of insurance that must be owned. This insurance is preferred for those of you who do like to travel well out of the city to the country and its functions are only protected when going on a trip.

But lately, travel insurance products are quite popular among the community and its nature is more flexible than other types of insurance makes many people also have travel insurance products. Especially those traveling hobbies and whose job does require routine travel to several places. A holiday is indeed a favorite activity for everyone, especially for those who have a hectic schedule for everyday activities. For busy people, holiday time must be used exclusively and in quality. Some people choose to travel abroad to fill their time off.

Before going on a holiday trip, we will usually prepare some important preparations such as leave permit, booking flights and lodging places, check passport and visa readiness, and register for travel insurance. Travel insurance is used for emergency purposes when traveling out of the country, something you do not want on your own. This insurance is very important to note before traveling abroad so that your trip is comfortable and not feel the way.

Why travel insurance is mandatory?
There have been many countries that require their turners to have travel insurance or are not allowed to enter when it is proven not to be registered as a travel insurance user.

For example, countries in Europe and even Asia who have imposed the rules must have this travel insurance when they will visit their country. So if you want your trip to be comfortable, smooth and protected, then registered to be proprietary travel insurance is certainly recommended. As with any online loan application, you can apply for travel insurance products through the app or directly through the website.

What are the benefits of travel insurance?
Travel insurance is required for travelers to protect them from risk during the trip. Of course, while on vacation you shouldn't feel the unexpected risk. In general, the benefits of travel insurance are protecting the traveler against the following matters.

Personal protection from accident risk:
These protections include reimbursement of money in the event of a risk to death, loss of limbs, or total paralysis due to accidents occurring during the trip.
Dual protection for scheduled commercial aircraft accidents:
Compensation for personal accidents will be duplicated if an accident occurs on a scheduled commercial airplane.
Reimbursement of emergency medical expenses:
travel insurance offers the benefits of emergency treatment.
Repatriation of the body in case of death risk:
Insurance can protect the insured for two alternative protections include the cost of repatriation of the body or the cost of cremation or burial in the location where the death occurred.
Child care and grief visit in one relative or family
Insurances can provide reimbursement of the cost of a brief visit or during treatment given to one relative or family if the insured undergo treatment during the trip or during hospitalization abroad.
Medical evacuation: Travel insurance offers assistance facilities 24 hours in emergencies around the world.
Baggage and personal belongings protection: In the event of any damages incurred due to the loss and damage of your baggage, including the goods in it or the goods you use during the trip, the travel insurance will compensate If there are more than 12 hours baggage delay.
protection against travel delays (usually transportation delays of more than 12 hours), reimbursement of advances that expire due to things That are outside the policy holder's authority and accommodation fee.
Home protection: In case of a disaster such as a fire in your home, during travel, then the travel insurance will pay the damage caused by a fire on the contents of the insured house that is left empty because of the trip done.

What are the types of travel insurance?
Travel Insurance has many types where each function is different and of course, it has been adapted to the needs of people who often travel.

Based on how many travels: There are two types of travel insurance when viewed from how many trips will be made within a certain period of single trip insurance that is intended for you that will only do Travel several times a year (not routine). Next, there is annual travel insurance that is devoted to you who can travel even once a week either for the purpose of the travel agency or just a vacation during the period of 1 year.

Based on the number of people to be borne: for this type of travel insurance is determined based on how many people will be borne in one insurance account. Individual Travel Insurance is certainly for one person only in one personal account travel insurance. Then there is a group travel insurance which is usually used by a company for its employees that are often departed for the travel of the service, and can also to the whole of the family when going to do the holidays together.

Based on the purpose of traveling: In doing a journey, of course, the purpose of people is not always the same. Travel insurance for those who travel because of destinations for traveling or business travel and insurance that is devoted to those traveling for work or business purposes.
Based on travel destinations: For those of you who travel often but only up the city can choose to have travel insurance for domestic travel and for those who often travel even to the exit The country can choose the travel insurance for international trips.

Student Assist: This travel insurance is devoted only to the students who will continue his education abroad.
Special travel Insurance (Hajj and Umrah): Insurance that is often offered to you when going to do Hajj and Umrah is included in the travel insurance that will protect you during the worship in the Holy Land.