Travel insurance is one of the conditions for applying for a Schengen Visa. Actually this is easy business, because we can buy online. But ... in my case there were a number of things that made me confused and complicated myself. Here's the story. When we register for a Schengen visa on the TLS Contact website (agent for the French embassy), we are given a list of bona fide travel insurance providers. Just choose one of these companies, buy according to the duration of our trip with a minimum coverage or coverage of EUR 30,000 per person. The following is a list of options for travel insurance companies: ACA, AIA, ACE, Chartis, AXA, Wintherthur, Harta, Sinar Mas, GSA Assist-Card, Unisarana Grasia, Zurich Insurance, Allianz Insurance, Mega Insurance, and Taiping China.
From the list, I checked several insurance company websites that I had heard of. As a result, only AXA has an online purchase facility. Actually, we could buy insurance by visiting one of the company's offices or through a large travel agent. But this lazy me was reluctant to leave my beloved chair and laptop: I decided to buy online on the AXA website. After all, I had bought online when we went to Singapore, and there were no problems. Problems arise when I read people's recommendations on the blog. There are two blogs that say that for families, we should buy insurance separately, not family packages, because the total coverage is less than EUR 30,000 per person. Well, instead of being wrong, I followed the advice of the two blogs. I bought individual insurance for my father for $ 43 or equivalent to Rp. 498,327. Online payment with a credit card.
So the majority of insurance used does not include additional premiums. However, reflecting on terrorism cases that have sprung up recently, it's a good idea to add this one premium if you want to travel to Europe. How to claim travel insurance Julian says, the process of taking funds or using insurance is divided into two schemes. The first scheme is if the company is included in the worldwide provider. For example during an accident, all you have to do is show the insurance to the hospital. But not all insurance companies provide this. "The majority of ways to submit claims are with a reimbursement scheme," he said. Julian also explained, if you fall ill or have an accident, you can seek treatment first in that country. Furthermore, you must request a certificate from the doctor as proof when you submit a claim in Indonesia. Keep in mind, before buying a travel insurance product, first check all the facilities. How much is the liability of the company, how long and in what country does the insurance apply, and how the claim applies.