travel insurance

Travel insurance, or travel insurance, is one of the most well-known types of insurance. Previously, we presented the importance of insurance in general and talked about each type separately. Today we will talk about a new type of insurance that we have not talked about before, which is travel insurance, which some may not resort to. Or they hardly hear about it unless they are compelled to do so by the country they are going to, despite the role of that insurance in preserving the traveler’s property and luggage and even protecting him from any danger he may be exposed to. to.

Travel health insurance

Travel health insurance has many advantages and types. Travel health insurance is divided into three types:

A- Health Insurance: It includes full coverage for emergency medical expenses or in case of personal accidents.

B- Insurance against a group of accidents: This type includes cases of cancellation or shortening of the duration of the trip or loss of the departure date, as well as cases of losing bags during travel or delaying the arrival of bags beyond the appropriate or specified time. It includes moving the body.

C- Liability towards third parties: This type is applied in accordance with the conditions and exceptions contained in the insurance policy.

Where some insurance companies and some different aviation associations sell insurance policies and policies during travel directly to travelers, as well as that document can be purchased through tour companies, and this applies to airlines, cruise lines, and tour operators, and here is optional insurance that is provided directly to consumers However , In some cases, this document is adhered to, because there are countries that require it to be obtained before going to it.

Travel health insurance plans

Travel health insurance plans Travel insurance plans are developed through a travel insurance policy, which is considered an undertaking by the health insurance company and works to cover the risks related to the travel of the beneficiary outside his or her country of residence. With regard to the conditions and exceptions that were agreed upon in the contract or document between the two parties, the customer and the company, and the document is considered one of the most mandatory services when applying for a visa to travel abroad or to certain countries, especially European countries.

Travel health insurance plans are drawn up and contracted with travelers for a period of eight to ninety days for a specified insurance premium agreed upon by both parties. If the travel period exceeds this period, the insurance company will not enjoy the services provided by the policy.

As for the benefits provided by health insurance while traveling, the first is peace of mind while traveling abroad through a group of integrated insurance programs that meet and meet personal needs, in addition to many other benefits, including in the event of trip cancellation, and here an amount is paid Money as compensation for a canceled or missed flight.

Other services are also available should a travel health insurance policy apply, including:

1- Delayed, lost or stolen baggage such as a phone or computer.

2- Loss of travel documents and flight delay.

3- Covering the loss of an ongoing trip.

4- Legal aid coverage.

Travel health insurance

Travel health insurance and its services provided to the traveler / insured, which are almost identical to each other, but the difference is in the prices, as the premium paid for the insurance is calculated within the agreement concluded by the travel health insurance companies with the service provider, taking into account the period specified in the coverage and the destination to which it is directed.

As travel health insurance companies are keen to provide many companies specialized in providing assistance services to travelers, and these services differ from one company to another, hence the variety and different premiums and price plans according to each company.

The companies also specify the installment service for the net insurance according to the number of passengers, in the case of the same flight and the destination of the same country, as the following was presented:

1- Family coverage: that is, coverage for all family members, including spouses and children, and does not require a limited number.

2- Tourism coverage: i.e. coverage of tourist groups such as: Umrah, Hajj, medical trips and other trips organized for entertainment.

Hence, most travel health insurance companies are keen to return the insurance premium paid by the insured after deducting the contract expenses and deducting them from the value of the premium. As some insurance agencies do not return the agreed amount to clients. This is due to the contract with service providers, according to which the insured person has no right to claim retirement