Travel insurance is a kind of insurance that provides protections against any risks that possibly happen when one is travelling, both domestic and overseas travels. It’s such an important insurance especially for you who are always on high mobility. With travel insurance, you can travel with peace of mind.
So, what risks are covered by this insurance? Will travel insurance cover medical expenses? Here is the explanation.
Medical Expenses
If you get sick when you are on travel, travel insurance will cover your medical expenses of your treatment in the hospital. The money you spend to pay the hospital bill is one of the risks that travel insurance will cover. This way, you don’t have to be worried about suddenly need medical treatment when you are travelling. Whatever medical treatment you need, BIMC Siloam Nusa Dua Hospital can provide it for you.
Medical Expenses Due to Accidents
Not only medical expenses due to sickness, but travel insurance will also cover medical expenses due to accidents. Accidents while travelling are also one risk that can happen at any time. When you unfortunately get into an accident when you are travelling, the travel insurance you have will cover any loss that happens due to the accident.
The protection that the travel insurance provides usually includes reimbursement of medical expenses, disability, paralysis, and even death. Travel insurance generally will cover those risks by giving compensation to the insured’s heirs. However, there are also accidents that travel insurance won’t cover, which are accidents due to Driving Under Influence (DUI).
Emergency Medical Evacuation
If you unexpectedly face an emergency situation while on a vacation and need medical evacuation, the costs that appear due to the needs will also be covered by the travel insurance that you have. For example, the hotel where you stay unfortunately got into a fire and you need medical evacuation due to the emergency.
Delayed or Cancelled Flight
The next risk that travel insurance policy will cover is delayed or cancelled flights. Sometimes, airlines need to postpone or cancel a flight due to some reasons, such as bad weather. This situation surely puts you at loss, especially in terms of time. But no need to worry if you have travel insurance because you’ll get compensation due to this unexpected, unfortunate situation.
Lost or Broken Baggage
A baggage issue is one concern that a lot of travelers have to face, especially when they travel by plane. It’s because cases of lost or damaged baggage happen quite frequently. Travel insurance will be highly beneficial and helpful if you happen to face such an unfortunate situation. If your baggage is lost or broken while travelling, you’ll receive compensation as a protection provided by the travel insurance you have.
Baggage Delay
Not only lost or broken baggage, but baggage delay is also included in the risks that travel insurance will cover. However, note that every insurance company probably has different terms and conditions for this protection. Therefore, make sure you carefully read the insurance policy. Don’t doubt to ask the insurance company representative if there is any point that you think you need further explanation.
Lost Documents
If you happen to lose your important documents while travelling due to some reasons, such as being stolen or other, don’t worry because travel insurance will cover this risk. Whether you lose your passport, boarding ticket, or other important documents, travel insurance will cover any expenses that arise due to this situation.
Types of Travel Insurance
Travel insurance is available in some types, here is what you need to know about each type.
Individual Travel Insurance
Individual travel insurance is a good choice if you often go on a personal trip. This type of travel insurance is only for one person per trip, and it’s one insurance policy. It’s included as a personal insurance.
Group Travel Insurance
As the name suggests, group travel insurance covers a group trip. For you who love to travel with your family or friends, this travel insurance can be a nice option. Group travel insurance is more frequently used for business trips and group vacation events. Choosing this type of travel insurance will be more cost effective rather than buying an individual travel insurance for all family members or co-workers.
Single Trip Insurance
If you don’t travel that much, you can choose single trip insurance. This type of travel insurance is included as a short-run insurance that you can use if you travel only once or twice a year.
Annual Trip Insurance
This one is suitable for you who routinely travel far. Annual trip insurance is normally used by those who frequently travel to a certain destination for routine health care. This type of travel insurance is ideal for you who frequently or routinely travel long distances.
If you travel to Bali and suddenly need medical treatment, BIMC Siloam Nusa Dua Hospital is a recommended place you should visit. BIMC Siloam Nusa Dua Hospital provides high-quality healthcare services that meet international standards.
