यात्रा बीमाः कति प्रकारका जोखिम हुन्छन् बहन ? के-के छन् विशेषता ?

Kathmandu. Travel insurance is a reliable way to avoid the worry of medical expenses in case of any illness, illness or accident while traveling abroad. Travel insurance not only covers illness or accident during the duration of the trip, but also covers in the event of theft or damage.

Health problems may arise due to changes in the climate, being away from family members, and eating habits in new places. Apart from this, some unexpected events or accidents may also occur during the journey. In such a situation, how to ask for help when you are out of the country? How to pay for treatment? Travel insurance is helpful to keep you free from these worries.

Under travel insurance, there are 4 types of insurance plans

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Limited Travel Insurance: TAG_CLOSE_span_79 This plan is suitable for occasional travellers.
Patake Travel Insurance: The Patake travel insurance plan is suitable if a traveler has to travel to different destinations multiple times throughout the year.
Business Travel: TAG_CLOSE_span_77 This insurance plan is better when a traveler has to travel for business purposes rather than traveling to different destinations throughout the year.
Insurance Plan for Students: This policy is issued before leaving for a foreign trip for higher education. In this policy, the insurance company bears all the medical expenses not only during the journey but also if the insured student falls ill abroad within a certain period of time.

Facilities under Travel Insurance{

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Personal Accident
Emergency Medical Expenses and Safe Departure
hospitalization expenses
Damage to the luggage and late receipt of

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Rahdani Haraema

if any personal liability arises due to the insured during the journey

Travel delay{
If the insured passenger has to return home unexpectedly due to the death of a family member
Mega Disaster Aiperema

{{TAG_OPEN_li_115}Legal Counsel and Legal Treatment Expenses

Funeral work

The claim process under travel insurance is divided into two types – general case and emergency depending on the nature of the claim.

In case of normal status, the insured should contact the insurance company within 31 days of his/her return from travel and submit a claim with all the information and documents related to the claim.

If the insured himself or herself falls ill during the journey, the following procedure should be completed {

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TAG_OPEN_li_113 For emergency treatment, a third-party administrator should be contacted.

The claimant must fill out the compensation claim form to be filled.

TAG_OPEN_li_111 The original cash receipt and treatment receipt must be made available to the insurer or the insurer’s representative.

Reports and prescriptions of doctors and hospitals.

{{TAG_OPEN_li_109}Itinerary and electronic air tickets.

Copy of passport with stamp on departure and arrival pages.
Basic actuarial.

Under travel insurance, the insurer also pays a compensation claim for the loss of luggage.

For this, the insured has to complete the following process:

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Fill in all the details in the claim form for claim payment and provide it to the insurer. It can also be made available via e-mail.
To obtain documentary evidence from the airport office immediately to confirm the loss of goods or damaged goods and provide them to the insurer.
Documents verifying the details of the loss from the airline company.

{{TAG_OPEN_li_103}Itinerary and electronic tickets.

bill for purchase of luggage and luggage.
Copy of passport with stamp on departure and arrival pages.
Gross actuarium.

Similarly, travel insurance allows the insured to claim compensation even if the luggage is delivered late by the airline company at the destination airport.

For this, the insured has to complete the claim process with the following documents:

Fill in all the details in the claim form and provide it to the insurer’s representative or by e-mailing.
A certificate confirming that the goods were damaged in the luggage or that the luggage was not found. Such a letter is provided by the airline company.
bill for contingency purchases.
Evidence of the duration of delay or time of receipt of the goods and evidence of the reason for the delay.

{{TAG_OPEN_li_95}Itinerary and electronic air tickets.