如何选择适合的旅游保险

又来到今年夏天休假，让您的心灵和灵魂调整以及焕然一新的时光。认为已准备完毕，抛开一切出门旅行了吗？慢着！正在出游计划的你是不是忽略了某些重要的事项呢？那就是旅行保险。

选择旅游保险是不是听起来很艰难？但是，它可以像预订机票一样轻松简单。只需要跟着以下5个重要步骤即可获得您所需的保险，并避免不必要的花费。

如何挑选合适的旅行保险？

#1: 检查您现有的保险配套

购买任何旅行保险之前，请检查您现有的保险计划，例如：医疗保险，家庭保险或汽车保险，以了解它们所涵盖的保障范围，具体分析您现有的保单政策并联系您的保险公司查询更多详情。向当前的保险公司询问有关层级和覆盖范围的保障范围。了解现有的保单保障范围能协助您选择符合要求的旅行保险。

在投保前，您是否知道您的信用卡已经提供旅行保险呢？是的！某些信用卡在您线上购买机票或预订住宿时提供旅行保险。有了这个优惠，您可以免费自动获得旅行保险。

务必注意保险范围和条规因信用卡类型而异。勿忘阅读信用卡的条款和条件，或致电您的银行以获得更好的说明。

#2: 了解您的目的地及其现状

保险公司根据您的旅行地点提供各种保险计划，分别为国内或国际。这些保险计划的范围从仅限医疗保险到综合保险，包括盗窃，行李丢失和取消航班。如果您前往高风险国家或犯罪率高的国家,我们鼓励您获得高风险的旅行保险，以便为您提供更多保障。

一些保险公司不会为前往高风险国家的个人提供保险。如果保险公司能提供，旅游保险费可能会高于其他国家。

#3: 留意隐含条款

在购买之前比较旅行保险公司和保险政策。记住：你只获得所付出的! 一旦仔细比较保险政策和价格，您可能会发现某些保险计划并不像您想像的那麽好！

不要被最便宜的保单政策所诱惑，因为细则中可能存有漏洞和免责条款。较便宜的保险单可能提供较低的保额或保障范围有限。在做出决定之前，阅读并了解保险单的详细信息非常重要。此外，学习如何成功获取保险索赔。如果不幸发生，在那之前不要忘记复制所有内容并查看保险金额以获取您的索赔。旅行期间遇到麻烦时，最担心就是保单不能为你提供保障。

#4: 考虑您的旅行行程

如果您是寻求刺激的人并且正在计划进行一些高风险运动或活动，例如在您旅行期间参与网箱潜水，蹦极或攀岩，您应该选择购买涵盖高风险运动范围的保险政策。请务必查看保险政策，以及它们是否涵盖您参与的活动。保额和细节也可以根据活动的类型而变化。如果不清楚对于高风险运动的保额政策，务必联系您的保险公司。

#5: 了解旅游保险和外籍人士保险之间的差异

对于短时间旅行或少于一年的假期旅行者而言，旅游保险即合适。在海外旅行超过 12个月的人需要外籍人士保险。它通常为全球紧急或非紧急护理提供全面的医疗保险。当您决定旅行保险时，请记住此差异。

我们无法确定预测旅行时会发生什么。航班可能会延迟甚至取消。行李可能被盗或丢失。为了确保安心，您可以花一些钱（当然保额取决于你的保险政策！）来保障损失。所以正在筹备旅行的您还在等什麽呢？做个明智的使用者，立即获得旅游保险吧!

5 Steps for Picking Your Travel Insurance

Another year for taking a vacation this summer to experience a refreshing change of your mind and heart. Think you are ready to get away? Not so fast! There is something you cannot miss and need to plan before you go to travel: It’s travel insurance. Selecting a travel insurance sounds difficult, doesn’t it? However, it can be as simple as booking your flight ticket. Just follow these 5 important steps to get insurance you need only, and  avoid unnecessary spend.

What is needed for a great travel insurance plan?

#1: Check your existing insurance packages

Before you obtain any travel insurance, check your existing insurance plans ,such as medical, home, or auto insurance, on what eventualities they cover. Go through your policies and contact your insurance providers for more details. Ask your current insurers about the tiers and availability of coverage too. Knowing what your existing insurance covers will help you make a smarter decision when choosing a travel insurance that fits your requirements.

Did you know, you may already have travel insurance with your credit card? Yep! certain credit cards offer travel insurance when you use it to purchase a flight ticket online, or when you place a booking for your accommodation. With this, you can automatically get travel insurance for free.

Please note that the insurance coverage varies depending on the credit card type. Read the terms and conditions of your credit card, or call your bank for better clarification.

#2: Know your destination and its current situation

Keep in mind that insurance companies offer various insurance plans depending on where you travel: domestic or international. These insurance plans range from medical-only to comprehensive policies which include coverage for theft, baggage loss, and cancellations. If you are traveling to high-risk countries or countries with high crime rates, you are encouraged to get extensive travel insurance that gives you more coverage.

Some insurance companies will not offer insurance coverage for individuals who travel to high-risk countries. Should they do, the travel insurance premium might be higher than other countries

#3 The Devil is in the Details

Compare travel insurance providers and policies before you make a purchase. Remember: You get what you pay for! Once you compare policies and prices carefully, you might find that some of the insurance plans are not as good as you think.

Don’t be tempted by the cheapest insurance policies because there are likely loopholes and coverage exclusions hidden in the fine print. The cheaper insurance policies may offer lower coverage amount or have limited category coverage. It is important to understand and read the fine details of an insurance policy before you make a decision. Also, learn how to make a successful insurance claim. Do not forget to make copies of everything and review the coverage amount to get your claims should the unfortunate happen. The last thing you need when you’re in trouble while traveling is an insurance plan that won’t cover you.

#4: Consider your travel itinerary

If you are a thrill seeker and are planning for some extreme sports or activities such as cage diving, bungee jumping or hiking during your trips, you should choose an insurance policy that has coverage for such activities and extreme sports. Make sure you check the policy documents and if they cover for activities that you are partaking. The coverage amount and details could be varied depending on the type of activities too. Speak to your insurer if you are unclear about the policies’ coverage on extreme sports or activities.

#5: Understand the Difference between Travel Insurance and an Expat Insurance

For someone who travels in short periods of time or for less than a year for vacations, travel insurance will suffice to keep you covered. An expat insurance is needed by those traveling overseas for more than 12 months. It typically provides comprehensive medical coverage around the world for emergency or non-emergency care. Do keep in mind the difference when you’re deciding on travel insurance.

We cannot be sure what will happen during the vacation, can we? Flights could possibly be delayed or even cancelled. Baggage could be stolen or lost. To stay safe, you can spend some money (how much depends on your policy of course!) to get things covered. So, if you are traveling – what are you waiting for? Be smart and get travel insurance.

Source: Comparehero.my