新加坡 Travel Insurance Overview
新加坡 Travel Insurance Overview
Quick Links: Trip Interruption Insurance - Trip
Cancellation Insurance - Other
Types of Travel Insurance
If you travel outside your home country for business and pleasure the health
care plans you may have in your home country may not be designed to provide
coverage while you are out of the country. Whether you travel for business
or pleasure, international travel involves risk.
A travel insurance policy
is a very good idea. It is possibly the best way to protect you against medical
costs through illness or injury, against theft or loss of possessions and
other accidents that may occur during your travels.
With this in mind, we recommend
that you buy travel insurance, which provides coverage for international
travelers.
Coverage depends on the type of insurance that you buy. You should ask
for details on any policy before you decide to buy. In addition, buy travel
insurance
as early as possible before you start your travel.
If you worry about getting sick away from home, consider purchasing medical
travel insurance and carry your ID card in your purse or wallet. In most
cases, your existing health plan will provide the coverage you need. See
the section on insurance earlier in this chapter for more information.
As to the financial details of your troubles while on the road, that's the
job of travel insurance. If you need to cancel or interrupt your trip, or
if you
become ill during your journey, travel insurance will reimburse you for the
expenses you incur due to your bad luck.
Many travelers, however, purchase insurance that they do not need. Many standard
homeowner's or health insurance policies, for instance, cover lost luggage
or accidents abroad.
Trip interruption insurance and trip
cancellation insurance are generally
the most useful types of travel insurance because they cover losses that are
usually
not covered
by most travelers' existing coverage. These two types of insurance are often
bundled and sold as a package.
Important: If you suffer from a chronic
illness, consult your doctor before your departure. For conditions
like epilepsy, diabetes, or heart problems, wear a Medic Alert Identification
Tag (tel. 800/825-3785; www.medicalert.org),
which will immediately alert doctors to your condition and give them
access to your records through Medic Alert's 24-hour hotline.
Pack prescription medications in your carry-on luggage, and carry
prescription medications in their original containers. Also bring
along copies of your prescriptions in case you lose your pills or
run out. Carry the generic name of prescription medicines, in case
a local pharmacist is unfamiliar with the brand name. |
|
Trip Interruption Insurance
Trip interruption insurance covers you during your trip. If an injury, illness
or other event prevents you from continuing a trip you've started, trip interruption
coverage will reimburse you for expenses you incur because ofit. Some
policies also reimburse you for any unused prepaid expenses. Most commonly,
trip interruption
coverage is used to cover expenses for returning home early. Or,<
|
