One of the best ways to protect yourself from unexpected accidents while traveling – this insurance travel insurance. Most banks offer this product as a precaution and the role of money, helps travelers get the peace of mind during their trip.
For those who do not really know about it, travel insurance covers financial loss or medical expenses that you may incur during your domestic or international travel. Usually this insurance product has five major categories, which you may know.
– Trip cancellation insurance. You'll be covered if you or a companion traveling have to interrupt, delay or cancel the trip (perhaps due to a problem with the weather & # 39; em, injury or disease, problems with passports or visas, unexpected business conflicts, acts of terrorism or on the road accident airport).
– Road medical or major medical insurance. It provides coverage if the insured becomes ill or injured while traveling. The difference lies in the fact that the medical travel insurance provides cover only short-term (from five days to one year), while the basic medical insurance is ideal for people who will be traveling from six months to a year or more.
– Emergency medical evacuation insurance. If you find yourself in a remote rural area, or anywhere where access to essential health facilities or absent, this insurance policy will cover the necessary medical evacuation and transportation to the appropriate room.
– Insurance against accidental deaths / flight. Whenever there was such an accidental death or serious & # 39; oznaya trauma caused by the crash, the insurance policy will pay the insured to the insurer, who survived.
It is best to evaluate the nature of your travel, health and activities in which you participate, to help you determine whether travel insurance is particularly useful. You can see, for example, your ability to pay the full cost of a trip home in case of emergency and you need to make a trip outside the salary home, or you can pay for health care if someone in your party becomes ill health. Factors such as these can help you understand whether the insurance will be helpful. If you decide to get it, remember to carefully read the fine print and ask the bank staff to explain each policy, so you can make an informed decision complete.
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