Insurance is a concept that attempts to keep you safe at times of hardships and emergencies when you might be at a dire need for financial support. Not only does this keep us shielded from drastic outcomes that could at the moment shatter you for loss of support, but it also keeps you grounded when you feel there is no one to rely on for help in such moments. With the best travelinsurance plans added to your trip, you can rest assured travel safe and carefree, be it on a business trip or even with your family or friends on a vacation.
There are different schemes and policies that insurance companies will offer you when it comes to travel policies, as it is one of the major departments of revenue for insurance companies. The best way for you to benefit from this scheme would be to choose your type of best travel insurance with care and also compare between at least two to three different insurance policies before deciding to settle on the policy that best suits your travel requirements.
Different types of travel insurance policy covers
More than often travelers are faced with numerous issues with their transport vehicle, services rendered by the transport system. Common situations include baggage claims, transport delays, vehicle cancellations, trip delay or even unexpected situations, an emergency medical condition faced during the travel or journey. HL Assurance Singapore presents you with different insurance policies that cover such circumstances, keeping you safe from harm as well as any financial loss you might face then.
Here are the different types of covers you can expect for different claims:
- Trip Delay Cover – Most conditions that could lead up to trip delay on account of the transportation provider include mechanical trouble, hijacking situations, riots, flight cancellations, unexpected quarantine in the vehicle, lost or stolen documents such as passports or money, unexpected severe weather or any other traffic-related issues.Under these incidents, your insurance policy generally covers the expenses suffered for your meals, accommodation, any childcare or pet care extended by the policy, ground transport services like bus, taxi, etc., any non-refundable service costs like that of the tickets for the trip planned, medical expenses, toiletries, and other miscellaneous costs.
- Baggage Delay Cover – Baggage delay is a common sight witnessed by the airlines as well as the insurance companies. Although airlines have a policy to not cover your baggage delay with monetary compensation, trip insurance package policies alone help you claim reimbursement for reasonable and essential items. Few trip insurance policies by HL Assurance Singaporealso help avail cover to buy a cell-phone charger cable.
- Emergency Medical Cover – Most health insurance plans cover emergency medical expenses suffered by the insurant. But if you read the document well you will notice that they do not cover any medical expenses suffered during your travel. Having proper trip insurance will let you avail cover for any sudden or unexpected sickness, health issues, injuries or even accidents that you may face during your trip. Some insurance plans also go on to cover your medical costs associated with any doctor you consult, hospital expenses, x-ray, and other test costs, ambulance transportation charges, prescription drugs consumed and more.
- Baggage Loss Cover – Although you might face baggage delay more often than not during travel, baggage loss is a worse situation to put yourself in. Thankfully most trip insurance plans cover this section of loss. Since airlines will do everything possible to limit the amount of reimbursement you are due, having proper trip insurance will help you get past this tactic and claim your full refund value. Although there are limitations to such instances even with trip insurance in hand, previous alterations while signing up for your policy can save you a lot of trouble later.
How HL Assurance Singapore Helps You
HLAS drives with the sole aim of serving the insurant with their due value and justifiable claim. All of their products and services are easy to process with the advanced technology that has been implemented in the system. You do not have to wait hours to simply talk with a service support person to apply for your insurance plan or even register a claim. With the online facilities updated, you can now simply tap a button and avail the best travel insurance plans and policies that suit your requirements and go on with your plans without any worry.
Insurance documents are all written to confuse the buyer. At HL Assurance Singapore, They ensure that their customers and clients are all well aware of every term, clause, and the statement made as part of the claim they are signing for, even before they agree to buy the policy. Their customer care support are trained and experienced professionals who patiently guide you the entire process and only suggest the best policy that fits both your budget as well as your cause.