5 tips for getting smarter travel insurance 2019

There are often people who travel without having travel insurance with the idea of ​​’no wonder’ or ‘money waste’. However, it is a good idea to have travel insurance because you do not know when and under what circumstances. Many things happen unexpectedly during travel, especially theft, injury or illness. Skyscanner introduces smarter travel insurance tips.

1. Short-Term Travel Insurance VS Long-Term Travel Insurance

Travel insurance can be divided into short-term travel insurance and long-term travel insurance. Short-term travel insurance is sufficient for short-term trips to Japan and Hong Kong. Short-term travel insurance covers up to three months . Recently, I have been away from school for a half year or a year, and many have gone on a trip. You should look for long-term travel insurance. In the case of domestic travel, if you have the loss insurance, you do not have to pay for hospital treatment because it is guaranteed.

2. Sign up via the Internet

Often, they decide whether to buy travel insurance before arriving at the airport. Overseas travel insurance can be easily purchased from anywhere, but the compensation law and price are different for each product, so it is better to prepare in advance to fully understand the contents of the insurance. Travel insurance is the cheapest and easiest way to sign up via the Internet or in the app . Insured by the Non-life Insurance Association and the Life Insurance Association, Travelamore compares travel insurance by product, eliminating the need to visit multiple insurance companies. You can also discount travel insurance claims through events in your card company .

3. Domestic treatment guarantee is subtracted when joining travel insurance

Overseas travel insurance guarantees injury deaths as a basic contract, and can be selected as an optional contract for actual medical expenses, illness deaths, cell phone damages, damages for liability, and hijacking of aircraft. Among these, the loss of medical expenses is divided into overseas treatment expenses and domestic treatment expenses. If you are insured for loss loss, you can subtract domestic treatment guarantees that cover the cost of medical treatment in domestic hospitals. This is because the insurance benefits do not double even if you join more than once, but only the actual medical expenses are paid.

4. Write the purpose of travel in the insurance policy as fact.

When traveling overseas, theft or other accidents can occur at any time, so if you purchase travel insurance, you can be covered for injuries, illnesses, mobile phone theft, and damages caused by travel. However, if you do not state the purpose of your trip in the insurance policy, you may be at a disadvantage now. However, if you go to the civil war area, you cannot be insured, activities such as rock climbing, skydiving, risk of accidents cannot be guaranteed.

5. Be sure to bring your certificate and receipt

When a problem occurs, you can’t get compensation right away. It is very important to obtain evidence because you will be presented with a document after your return and you will be compensated through a review. If you are stolen while traveling, you should go to the police station, report theft, and fill out a certificate of theft. It is a good idea to include as much detail as possible about the theft history and stolen items. You can also be compensated if your phone is damaged by someone’s fault. Since insurance coverage varies between insurers, it is important to carefully review the coverage. If you have been treated at a local hospital, be sure to bring your medical certificate, receipts and prescriptions with you to claim.

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