Travel insurance - why everyone needs to travel accident insurance

More than 1 million pieces of luggage were lost, damaged, delayed or pilfered by American airlines from May to July 2007. According to the Bureau of Transportation Statistics, June and July 2007 and were ranked among the worst months of ill effects in 20 years. It is unfortunate that this figure has increased over the past 5 years. In 2002, 3.84 reports of ill bags provided per 1000 passengers. In July 2007, this figure was 7.93.

Many jobs were slashed after




the historic industry downturn a few years ago, and restrictions on gels and liquids in in 2006 caused a significant increase in the number of screening baggage. This leaves more bags to be examined with fewer staff. Moreover, the major carriers' reliance on hubs. Link flights increase the risk of baggage or not being misplaced in making the trip next time either. With carriers to buy smaller aircraft in the regional market, and there was more baggage restrictions because of the weight restrictions. Aviation industry, says luggage problem due mainly to delays caused by weather and an old air traffic control system. Analysts say that the problem is only going to get worse too, especially during the holiday season and travel.

What can you do to protect yourself?

Buy travel insurance is your best option. Preferred travel insurance policies not only help you with lost, stolen or damaged luggage, missed flight, lost passports, etc., but also have an emergency "911" travel emergency service for Emergency Medical Assistance, at the last moment, or in cases emergency travel changes flight, lost luggage tracking, pre-trip travel advice and more.

Other ways you can help yourself is to book a direct flight. Since this is usually not an option, and select flights at least an hour between the links. Because of the increase in baggage problems, and some people even shipped their belongings to their destination while bringing a small - on the bag on the plane. This option saves you even time (usually 30 minutes), and you must not wait at the airport to check your luggage to arrive.

Make sure you obey the size and packaging requirements for personal hygiene products, medicine, and anything that resembles a weapon is prohibited. Everything in your deportation must search. If you searched, gift wrapped items will definitely be opened. Take metal items such as keys, telephones, pagers, and PDA devices (personal digital assistance), and Los Chang out of your pockets. Put forward at this stage on your account, or in a plastic bag before they get security in the line. This you keep lines moving later to wind up the best experiences. Avoid wearing anything containing minerals, such as clothing, jewelry or other accessories such as heavy jewelry, and clothing with metal buttons or Snaps, Belt Buckles or agent wires Presse. You can be in addition to the screening because of the hidden items such as body piercings, which will cause the metal detector to go off.

Pack your coats and jackets in your baggage when possible. All coats, jackets and carrying You must go through the X-ray machine for inspection. If you choose to wear the coat or jacket outside the checkpoint, you will need to pack and carry it either in your - on baggage or placed in one of the funds provided.

Tom buhlinger http://www.getawayinsurance.com who is the head of AIG Travel Guard provides travel insurance in the United States and Canada. Tom has traveled widely throughout the United States to major ski resorts, and he knows the benefits of buying directly from travel insurance.

Article Source: http://ezinearticles.com/?expert=thomas_a_buhlinger

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Why travel insurance is important for travelers?

Whether you are traveling for pleasure or business, travel insurance is the most important thing that you should consider first. If you compare between the amount of fees to protect you from loss of luggage, cancellations, delays, disease and so on, is less than the amount and the amount that you have to pay if you are not adequately insured .

How can I be sure? There are many ways as if you pay your trip with your credit card, the credit card company will provide travel insurance for you or most of the travel agencies and airlines also offer different options travel insurance as well. Anyway, the first thing you should do is to find the best insurance company that can meet your needs. You have to ask yourself a lot of questions, you have the right to know exactly what is covered and what is not.

Most travel insurance offers on





the cover of lost luggage, delays, cancellations travel abroad and hospital medical costs. But an important aspect to consider is the medical coverage because of medical costs in the United States, Japan, the Middle East, parts of Europe, South America or Africa are relatively high. So you have to make sure you have the highest level of medical coverage in your insurance policy.

How to choose? As a first step, you should try and find out more about the insurance company using the Internet. The insurance must have a hotline available 24 hours that accept easily reverse charges anywhere you travel. Secondly, if you are travelling on camera, laptop computer, video camera, etc., you should check with your insurance company on the level of coverage and compensation for these items in the event of loss or theft. Third, if you are traveling with "high-risk" activities such as bungee jumping, free fall, and so please be sure to ask if they are covered by your travel insurance policy. Fourthly, check with the insurance company on reimbursement is covered or not in the case of travel for a special event and miss a flight connection or something. The latter is of war and terrorism coverage. You must ensure that you are covered for the medical profession, in every country, that you are traveling to.

Nuttakorn owns HotelsGuru.com, one of the largest hotel reservations in Asia Pacific established since 2002. I am deeply in love to travel and to experiment in new destinations. Check it out our website: Cheap Hotels and you can also visit our journey Blog

Article Source: http://EzineArticles.com/?expert=Nuttakorn_Rattanachaisit

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JENIS-JENIS ASURANSI JIWA

Asuransi jiwa Pada dasarnya terdapat tiga jenis asuransi antara lain:
a. Term Assurance
b. Whole Life Assurance
c. Endowment Assurance
mari kita simak penjelasan masing masing jenis asuransi tersebut yaitu
a. Term assurance (Asuransi Berjangka)
Term assurance ini merupakan bentuk dasar dari asuransi jiwa, yang mana polislah yang menyediakan jaminan terhadap risiko meninggal dunia dalam periode
waktu tertentu.

Contoh Asuransi Berjangka (Term Insurance) :


 Usia Tertanggung 30 tahun
 Masa Kontrak 1 tahun
 Rate Premi (misal) : 5 permill/tahun dari Uang Pertanggungan
 Uang Pertanggungan : Rp. 100 Juta
 Premi Tahunan yang harus dibayar : 5/1000 x 100.000.000 = Rp. 500.000
 Yang ditunjuk sebagai penerima UP : Istri (50%) dan anak pertama (50%)

maksudnya :
Bila tertanggung meninggal dunia dalam masa kontrak, maka perusahaan Asuransilah yang menanggung dan akan membayar uang Pertanggungan sebesar 100 juta kepada yang ditunjuk.

b. Whole Life Assurance (Asuransi Jiwa Seumur Hidup)
Asuransi tipe ini Merupakan tipe lain dari asuransi jiwa yang akan membayar sejumlah uang pertanggungan ketika tertanggung meninggal dunia kapan pun. Merupakan polis permanen yang tidak dibatasi tanggal berakhirnya polis seperti pada term assurance. Karena klaim pasti akan terjadi maka premium akan lebih mahal dibanding premi term assurance dimana klaim hanya mungkin terjadi. Polis whole life merupakan polis substantif dan sering digunakan sebagai proteksi dalam pinjaman. Jadi intinya adalah perusahaan asuransi tetap akan membayar sejumlah uang pertanggungan kepada pihak tertanggung jika sewaktu waktu tertanggung meninggal dunia sewaktu waktu yang tidak dibatasi jangka waktu pertanggungan sehingga asuransi jenis ini akan lebih mahal.

c. Endowment Assurance (Asuransi Dwiguna)
Asuransi tipe ini cirinya adalah perusahaan akan membayarkan sejumlah uang pertanggungan pada tanggal akhir kontrak yang telah ditetapkan.

Contoh Asuransi Dwiguna Berjangka (Kombinasi Term & Endowment)
 Usia Tertanggung 30 tahun
 Masa Kontrak 10 tahun
 Rate Premi (misal) : 85 permill/tahun dari Uang Pertanggungan
 Uang Pertanggungan : Rp. 100 Juta
 Premi yang harus dibayar : 85/1000 * 100.000.000 = Rp. 8.500.000,-
 Yang ditunjuk sebagai penerima UP : Istri (50%) dan anak pertama (50%)

maksudnya,
1. Bila tertanggung meninggal dunia yang masih dalam masa kontrak, maka perusahaan Asuransi yang merupakan penanggung akan membayar uang Pertanggungan sebesar 100 juta kepada yang ditunjuk.
2. Bila yang ditanggung hidup sampai akhir kontrak, maka tertanggung akan menerima uang pertanggungan sebesar 100 juta.

Itu tadi 3 jenis asuransi jiwa yang umum kita temui yaitu asuransi berjangka, asuransi jiwa seumur hidup dan asuransi dwiguna. Semoga bermanfaat buat kamu kamu yang pingin memilih industri asuransi untuk kepentingan kamu dalam menyiapkan kemungkinan kemungkinan yang akan terjadi di masa depan kelak.

Source:
htt://pojokasuransi.com

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