Explicación del endoso de cobertura del seguro de viaje 2022
Como líder mundial en protección de viajes, Allianz Global Assistance se centra singularmente en las preocupaciones de los viajeros. Es por eso que recientemente hicimos cambios en muchos de nuestros planes de seguro de viaje para incluir razones cubiertas relacionadas con la epidemia (los beneficios varían según el plan y no están disponibles en todas las jurisdicciones).
El nuevo Endoso de Cobertura de Epidemia agrega razones cubiertas para seleccionar beneficios para ciertas pérdidas relacionadas con COVID-19 y cualquier epidemia futura. Para ver si su plan incluye este endoso, busque “Respaldo de cobertura epidémica” en sus Declaraciones de cobertura o Carta de confirmación. Términos, condiciones y exclusiones aplican.
Para los planes que ahora incluyen el nuevo endoso de cobertura para epidemias, su plan ahora puede incluir razones cubiertas relacionadas con la epidemia en algunos o todos los siguientes beneficios:
Cancelación de viaje, si por ejemplo debe cancelar su viaje después de haber sido diagnosticado con COVID-19.
Interrupción del viaje, si, por ejemplo, durante su viaje, se le asigna un nombre específico y se le ordena individualmente que lo ponga en cuarentena (sin incluir las cuarentenas de aplicación general o generalizada). Consulte los detalles a continuación. *
Retraso en el viaje, si, por ejemplo, se le niega el embarque debido a la sospecha de que está enfermo con una enfermedad epidémica como COVID-19.
Atención médica de emergencia, si, por ejemplo, le diagnostican COVID-19 y necesita ser hospitalizado mientras viaja.
Transporte de emergencia, si, por ejemplo, le diagnostican una enfermedad epidémica como COVID-19 mientras viaja y necesita una evacuación médica de emergencia.
**Aquí hay algunas cosas más importantes que debe saber:
Si cancela o acorta un viaje porque tiene miedo de enfermarse con COVID-19, o porque se emitió una advertencia de viaje para su destino, eso no estará cubierto por nuestros planes de seguro de viaje.**
Es posible que los beneficios no cubran el costo total de su pérdida.** Todos los beneficios están sujetos a límites máximos de responsabilidad, que en algunos casos pueden estar sujetos a sublímites y máximos diarios.** Asegúrese de revisar su plan detenidamente para comprender qué límites se aplican a su plan.
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How Life Insurance Can Make Parenting Easier
Becoming a parent is one of life’s milestones that makes you rethink your finances, especially when it comes to insurance. Having life insurance is a crucial part of parenthood as it ensures that your child is protected from financial hardship if you were no longer around.
Checking life insurance off your to-do list takes just a few minutes, and you’ll enjoy a lifetime of peace of mind.
Teach your children the importance of planning ahead
Financial planning, including life insurance and retirement solutions, is not taught in school and is a necessary component of adult life. By teaching your children to understand the value of money and how loans and credit works, you allow them to make wiser financial decisions.
Additionally, life insurance is a smart and affordable financial tool to ensure you leave behind a legacy rather than any debt or expenses for your loved ones. Life insurance translates into a responsible plan for your child’s future.
Keeps room in your budget for family fun
If you have anyone who would be financially impacted by your passing, an affordable term life insurance policy can help you protect your loved ones from financial hardship in your absence.
Term life policies start for as low as $20 a month, and coverage lasts for a term length of your choice. Adding riders to your policy would allow you to select a return of premium option that could provide a full refund of paid premiums if your policy is unused at the end of the term.
Start saving for college early
The cost of college along with student loan interest rates has been increasing for decades. No matter where your kids plan on attending school, you’ll likely face a hefty tuition bill if you choose to financially support your children in their academic careers.
Getting a life insurance policy with a cash value component can help you grow cash savings over the years. When you’re ready, you can access the cash value of the policy to help pay for college tuition. This could save your children from having to apply for scholarships, work through school or get student loans.
How life insurance works
Life insurance premium prices are based on your age and health at the time you apply for coverage. On your insurance application, you will need to provide some basic health information, including any past diagnoses.
Policy prices get more expensive for older individuals, so it’s best to secure a policy while you’re young and healthy.
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How Life Insurance Can Make Parenting Easier
Posted by Daftar Alamat Lengkap on Sabtu, 01 Januari 2022
Your hobby is traveling? Did you know that you now have Travel Insurance? There are many websites that provide online ticket booking services that provide travel insurance. who often travel and buy tickets online on the website, the company offers to buy travel insurance.
He admits that he likes traveling, but he doesn't know about travel insurance. Want a business trip or vacation like we want a safe, safe, and calm trip when traveling. For those of you who feel that travel insurance is not important, let's examine it together first.
Travel insurance is one type of insurance that provides protection while we travel both domestically and abroad. So you can still travel in peace. Especially in an uncertain pandemic situation like today. I bought tickets in advance until the destination country got sick, or even worse, the trip had to be canceled for one reason or another at the destination. at least, if you have travel insurance, you don't need to cry too much because too much money is not sacrificed.
Some people may be unfamiliar with travel insurance, but some countries in the world have even required travelers or newcomers to have travel insurance, for example, countries in Europe and America. This travel insurance is not expensive, my friend, when compared to the total price of the trip and the benefits that you can get, are only a fraction. It's still more expensive a cup of coffee that you buy at or at the station. The premium is relatively low, there are insurance companies that offer premiums starting from Rp. 15,000, varying depending on the desired coverage, length of trip and purpose of the trip.
What are the benefits of travel insurance? Basically, travel insurance offers benefits in the form of coverage for tourists' medical expenses during the trip. However, if it is still not enough, there are several additional premiums that can be chosen for protection. For example, delays/lost baggage, delays in travel schedules to flights, to protection against time if you leave the house for a long time.
In travel insurance, there are generally two types of insurance offered, the first is a one-trip program that can guarantee one trip for a certain period of time (usually it will cover a maximum of 180 days per trip). There is also an annual program, namely an insurance program that can guarantee each trip a maximum of 90 (ninety) days/ trips throughout the year. Again, the premiums and dependents you get vary depending on the company and the package we choose.
However, please note that there are things that become the cost of travel insurance, for example if a country that is not safe or has received an announcement from the government as a country that is not appropriate to visit, either due to natural disasters or disasters.
So, in order to apply for/have this travel insurance, in general, there are several conditions you must fulfill:
Insurance application form
Photocopy of passport (for overseas travel)
Age limit 1-80 years old
The process of developing funds or using insurance is divided into two schemes. The first scheme, if the insurance company is included in the provider worldwide. For example, if you have an accident at your destination, you just need to show the insurance to the hospital. But not all insurance companies provide this. The second scheme, if you have an accident at your destination, you can get treatment at that place first, then you can ask for a certificate from a doctor as evidence to submit a claim to the insurance company at your place of origin.
For those of you who like to travel at home and abroad, you must have travel insurance every time you go traveling. Whether it's only within the country or around Asia, we never know the risks that could come. Prepare travel insurance well in advance of traveling, don't get to your new destination to apply for insurance in vain. What you must always remember is to carefully read the policy and understand your rights and obligations before making a choice of travel insurance.
