Categories
Travel Insurance

3 secret ways travel insurance will improve your holiday

The average holiday can cost anything from a couple of hundred pounds to a few thousand. The travel insurance that goes alongside it – while just a drop in the ocean by comparison – can admittedly feel like a bitter cost to swallow on top of it all. It is, however, vital that you take it out. This isn’t just because it will cover you in the event of an accident or incident, but also because it will actually help you to enjoy your holiday more. Here are three reasons why holidays with travel insurance are more fun.

Peace of mind

It can feel like a huge weight on your shoulders if you go abroad without travel insurance. There will be a constant awareness that you’re just one mishap away from possibly amassing huge medical bills. On the other hand, you’ll have much more peace of mind once you’re covered. This will assist you with kicking-back, relaxing and fully enjoying your trip.

Greater freedom

You can live [a bit more] on the wild side if you have travel insurance. This doesn’t mean that you should go diving with sharks or jumping out of planes, but instead more simple activities – such as ice-skating or playing sports – can remain a feasible way to have fun while you’re away. After all, any injuries that you might sustain will be covered.

Reduced escalation

You can nip problems in the bud from the moment they arise if you have travel insurance. Take, for instance, if you somehow cut your skin. If you don’t seek medical attention because you’re worried about the cost then the issue could escalate. The wound could become infected or just generally dampen your enjoyment of the holiday. Meanwhile, with travel insurance, you can have it looked at before happily getting on with the rest of your holiday.

Where can you get travel insurance?

You can weigh up the differences between various travel insurance providers by using Compare Insurance. This will ensure that you can find cheap holiday insurance that suits your individual needs and comes at a price that’s suitable for you.

Photo: Free image by Pixabay
Categories
Health Insurance

Factors to consider when shopping for health insurance

In this day and age, medical insurance is a basic need. In most countries, a trip to the hospital can really set you back financially. Buying health insurance, especially if you have a family, can be an uphill task. Here are some important factors to consider before purchasing any package.

Claim process

This is probably one of the most important things to look for when shopping for insurance. Some companies take forever to process your claim and your settlement. What good is an insurance package if you cannot use it when you need it? When it comes to selecting a health insurance company, the faster the better.

Family health insurance

If you have a family, you should select a more inclusive package. Your family medical history, as well as any present ailments, should be put into consideration. If one of your family members suffers from a disease that requires frequent trips to the hospital, I recommend taking a personal health care plan for them so that the family insurance policy does not become too expensive.

Network hospitals

When buying insurance, always check the insurance company’s network of cashless hospitals. You should check which company has the highest number of hospitals closest to you in their policy. Cashless hospitals also ensure that you are able to receive the best medical care possible without worrying about the bill. All your medical expenses are billed directly to the insurance company.

Look out for treatment-wise limits and co-pays

Some insurance companies limit the amount you can claim for diseases such as cataracts. Treatment-wise limits cap your claim regardless of the amount of money you have insured under the policy. Also, make sure you check the insurance policy co-pay. Co-pay is a standard amount of the bill that you have to pay on your own anytime you make a claim.

Coverage amount

Health insurance does not come cheap. Before deciding on the coverage amount you want to spend, think about your long-term health costs. Your co-pay ratio, your deductibles, monthly premiums, and coverage amount should help you make the decision. Make sure not to spend too much or too little when it comes to health insurance. If unsure of how much you should pay, visit our website for more information.

Photo: Free image by Pixabay
Categories
Travel Insurance

3 reasons why travel insurance is a must-have

If you enjoy travelling and are planning a trip, you must get travel insurance. We cannot stress enough how important it is that you buy insurance, especially if you are travelling overseas. The last thing you want when travelling for leisure is to miss a flight or get sick and not have the resources to deal with these kinds of problem. Here are some of the reasons why travel insurance is a must-have.

Medical emergencies overseas are very expensive

There is very little you can do to avoid getting sick. It just happens. Sometimes you may need to visit a hospital, but healthcare in other countries is costly and can cost you thousands of dirhams. When your travel insurance has medical emergency benefits, then the insurance company will reimburse you for any losses incurred due to medical and dental emergencies. It also caters for emergency transportation to a medical centre and the cost to bring you back home following a covered illness or injury.

It covers minor mishaps

It is not unusual for a flight to get cancelled or delayed. This could disrupt your entire travel plans, especially if you had a connecting flight. Travel delay benefits cover all additional travel and accommodation expenses as well as any lost prepaid costs caused by a flight delay of more than six hours. If your insurance package has baggage delay benefits, you can also get compensated for the additional purchase of essential items in the case where your luggage is delayed for 24 hours or is misdirected by a common carrier. Including such benefits on your insurance plan will ensure that you have a stress-free experience.

It is affordable

With so many options in the market, you have no excuse not to have travel insurance. After booking your flights and accommodation, you probably don’t want to spend any more money but, travel insurance worth one thousand dirhams can save you from incurring costs worth tens of thousands. Our company helps you get the best deals for the most competitive prices in the market. We help you compare rates from various insurance companies, making sure you get the best deal money can buy.

Photo: Free image by Pixabay