Some travel insurance is often overlooked for the person who likes to travel. Yet behind it saved a lot of benefits, such as protecting you from an accident that could happen at any time. You need to know that travel insurance is very important as a self-protection. Before you decide to enroll in travel insurance, first know guide to buying travel insurance products as described below:
1. Understand the product by reading the contents of the premium properly.
Each product has detailed travel insurance coverage that can be different even though almost entirely minimal bear two types of protection on top. If you already have protection of other insurance you have taken before, we recommend that you switch the travel insurance protection to get extra protection so that the benefits you can gain maximum with affordable premiums. The additional products eg travel or travel at high risk sports such as mountain climbing, wild nature, or to a place that is considered dangerous such a conflict area.
2. Conducting comparative travel insurance products for protection according to your needs.
To get the protection that suits your needs, you need to compare the details of the contents of travel insurance products, among which is the price and premium amenities, the term of protection and the area of coverage. You can try to compare several travel insurance products, for example:
- SmartTraveller of AXA
- Travel Safe (VIP) on ACA
- Travel Simas of Asuransi Sinar Mas
- Zurich Passport from Zurich Insurance
3. Purchase travel insurance product from the right place.
It is most commonly performed by a travel agent when you will be traveling abroad using the services they are offering insurance packages to cover you during the trip. Actually there are other ways to buy a travel insurance package that is with the online registration system and through insurance agents. You can choose the most convenient way you think.
All are rated the same way by insurance companies. For the majority of Indonesian people, how to register to meet with an insurance agent is the most demanding. It is based on a habit where most people prefer to ask and receive an explanation directly from an insurance agent for more convincing than reading the details of insurance products through 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. Activity or activity in the category not covered by insurance companies. If indeed these activities are not covered and you will perform these activities in the long term, we recommend that you purchase additional insurance products so that your activities are protected from risks such as accidents or illness.
B. Countries or regions of interest that you frequently visit are included in the category of coverage. If not covered, then you need to find another insurance or purchase additional insurance.
C. Nominal insured of the insurer for each risk occurring. You must ensure that all risks can be covered optimally occur. For example, you have a camera for $ 15 million, then you must make sure that the products you purchase travel insurance which can bear the risk worth the price of the camera if it gets lost in transit.
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