Travel Insurance Protection
Generally, it has become a norm for people to get travel insurance plan when they decide to travel. It seems like an important thing to do, however many still don’t really know in detail why they should get travel insurance protection.
Travel insurance is just a form of personal accident protection, which means that if it is so unfortunate that the person travelling meet with an accident which resulted in injury, disability or death the travel insurance will pay out the sum insured.
The unique part which is different from the typical personal accident policy is that it is short term. The period of cover can be tailored according to the period of travel. Normally personal accident policy is for a period of one year.
Travel insurance protection period can range from 1 day to a few months. Beyond that period, it will be more appropriate to get a annual plan.
Other features which make travel insurance unique are the benefits that come along with the coverage that are relevant to a persona who is travelling such as medical, emergency evacuation, flight cancellation and delay, loss of luggage, travel cancellation and curtailment. The main theme here is “accidental” and they are all unforeseen circumstances which are outside the control of the traveler and there is a financial loss or injury involved.
Primarily travel insurance protection covers accidental injury, disablement and death. The second most important feature is the medical coverage. In most cases, hospitalization bill in a foreign country can be very high. In some countries, medical expenses are subsidized by the local government for their citizens or the locals are covered by their insurance, and foreigners are charged at full fee.
Take for example, a Malaysian went to Singapore and met with a road accident and had to stay in the ICU for 1 week. The ICU charge alone was SGD 1,000 a night which was equivalent to RM 3,100 a night! A week in ICU cost him RM 21,700. Together with treatment and consultant the bill came up to RM 60,000 before he was sent back to Kuala Lumpur for local treatment.
Annual Travel Insurance
Travel Health Insurance
Group Travel Insurance
Company Travel Insurance
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It is first time in my life I had travel insurance. It worth to have it. That trip I didn't have any trouble in the foreign country even my luggage was delay to arrive. I advice everybody to have it.Ali Engin
Very helpful and keep updated on the travel insurance conditions. Age is not an issue, if you continue of renewing every year. I am senior citizen but no big issue, still renewing.Nedim Alibi
I am frequent traveler due to my office commitments. I got this annual travel insurance and never wonder. Hassle free. I encourage everyone to have for this insurance done.Abdul Aziz
Well done. I had this insurance policy and found out that this is necessary for all travelers. Encourage everyone whose travel around the world as frequent flyer.Lai May Leng
At the beginning I didn't expect that quality service from this company. They treat me like a queen. I would like to give rating 5 stars for this company due to their friendly approach.Fouzi
Very detailed quotation from the company, so you know what to expect from the circumstances. No more complaints. Will renew every year for my travel arrangements.Emre