Travelers insurance, travel insurance is one of the most important types of insurance that
many people may not need unless they forced by the country to which they go,
despite its role in preserving the traveler's property and luggage, and even
protecting him from any danger that may be exposed to him. As it protects the
traveler from suffering any loss of his property or luggage.
Let's get to
know the most important types of travel insurance
Travelers insurance and the most important types of travel insurance
Health insurance: includes coverage for medical expenses, especially
during emergencies or personal emergencies accidents
Insurance against a group of accidents, including: cancellation or
shortening of the flight duration, missed flight departure time or delayed
arrival in time, loss of bags in travel and transport of the body
Liability towards third parties according to the conditions and exceptions described in the insurance policy and means the rights of others
Ways to obtain documents for travel insurance
Some companies and some airline associations sell travel insurance directly
to travelers
This policy can also purchased through tour companies, including
airlines, cruise lines, and tour operators, who provide optional insurance
directly to consumers
Sometimes this document is mandatory, as certain countries require that
it be obtained before traveling to it
The cost of the travel insurance policy
Travel insurance obtained even today before you travel from some
insurance companies
The earlier the policy purchased than the date of travel, the better
Travel insurance usually costs between 4% and 8% of the non-refundable
prepaid trip cost
The policy may become more expensive if the insured is older or engaged
in a risky activity that makes the claim more in this case
Duration of documents travel insurance
Insurance companies contract with travelers for a period ranging between
8 and 90 days in exchange for an agreed upon insurance premium
This service is only valid for a period of 90 days, and if this deadline
is missed, the policy owner will not enjoy these services
Some insurance companies conclude special contracts for a period that
exceeds 90 days
Services covered by travel insurance policy
around the world
Baggage delay,
loss or theft |
Flight delayed |
Personal funds |
Covering home
care expenses while traveling |
Cover against
looting |
Loss of travel
documents |
Missing
coverage of an event |
Cover missed
trip unbroken |
Fraud using
credit cards |
Legal aid
coverage |
Lost or stolen
personal computer |
Personal
responsibility |
The companies providing assistance services also determine the net
insurance premium, in view of the number of travelers,
If it concerns a group of people traveling on the same flight and heading to the same country
Family coverage that includes husband and wife, all family members, and
an unlimited number of children
Within the framework of tourism groups such as (Umrah, Hajj, and organized trips), where the insurance subscriber pays the premium for the beneficiaries of the assistance contract guarantees within the framework of a group contract that provides differential prices compared to individual insurances
For this purpose, the insurance subscriber is completely free to choose
the insurance agency that provides him with immediate assistance during his
travel and to pay for that the insurance and an appropriate premium with the
insured risk reality
Is there a law that allows companies to keep the aforementioned sums in case of canceling travel for any compelling reason such as not obtaining a visa
Most insurance institutions are keen to return the insurance premium
paid by the insured after deducting the contract expenses from the value of the
premium in the event that the insured does not obtain the required visa or for
some other compelling reason.
As for the insurance bodies that do not enable their insurers to return, this is due to the fact that the contract The one that you entered into with the assistance service providers expressly states that the insured is not entitled to demand the return of the insurance premium, whatever the reasons for refraining from travel
With the many benefits provided by the international travel insurance policy, we should not assured of the statements of the representatives or marketers of travel insurance policies. Rather, we should read very carefully all the terms of the insurance policy before we conclude it to know the scope of coverage, the amounts of compensation, exclusions and conditions that the company has set in its insurance policy
Also the duties that dictated by the insurance policy
Most banks in many countries provide their customers with free
multi-trip international travel insurance for every member of the family as
well for a very small amount. International travel insurance can added with the
annual car insurance contract
What are the most important advantages of travel insurance
Travel insurance gives peace of mind while traveling abroad through
several integrated insurance programs that meet personal needs
The
insurance coverage comes with everything the insured expects, in addition to
many special benefits.
The
benefits provided by this policy begin even before boarding the plane in the
event of canceling the flight, as the insured is entitled to an amount of money
in compensation for canceling or missing the flight as a result of an emergency
situation or shortening the flight duration
The most important and famous company for travel insurance in Egypt
AMIG Arab Misr Insurance
Arab Orient Takaful Insurance Egypt
AROPE Insurance Egypt
Egyptian Saudi Insurance House
Egyptian Takaful Insurance
Iskan Insurance - an Egyptian joint stock insurance company, Iskan
Insurance
Mohandes Insurance
Suez Canal Insurance
Wethaq Takaful Insurance
Chartis Egypt, the insurance company
Allianz Egypt
BUPA Egypt Insurance
Delta Insurance
Gras Savoye Egypt
Chartis HSBC Premier Card
Tokyo Marine Egypt Nile General Takaful Company
The Egyptian Association for Cooperative Insurance CIS Egypt Co.
Operative Insurance Society Egypt
This was an overview of the definition of travel insurance, its
importance, types causes, and risks, the prices of its document, the services
provided by this document, the cost of this document, and the most important
and most famous companies that provide travel insurance. We wish you good
readers
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