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Monday, April 01, 2013

Types Of Travel Insurance South Africa That You Can Obtain



You may need to obtain travel insurance if you want to go to South Africa. There are plenty of things this country can offer you as regards to its tourism. However, this hauntingly beautiful place also imposes high risk to tourists/travelers.

Risky
Visiting this country is risky. In fact, the foreign affairs departments of various countries have issued a warning about going there because of its high incidence of crime and thefts.

What does the warning mean to you?
It simply means that you must take extra precautionary measures by getting more comprehensive protection when going to this country. You may need to shell out significant amount of money. However, you would surely be glad that you have one if accidents happen while in this country.

Personal
At the time you book your trip, you can apply and obtain protection to cover the entire duration of your trip.
It is ideal to obtain such by preventing yourself and your family from financial losses while travelling here. This protection is also beneficial if you cannot cover the overall cost for alternate route, in case your flight has been cancelled.

Business
This type of coverage is especially important if you are traveling to this country and you are carrying vital documents. With the right policy, you do not have to worry about the costs incurred because of delay or loss of luggage.

Essentially, this type of insurance covers the following:

Emergency medical treatment/assistance
It covers the overall cost of obtaining emergency medical treatment in SA. But you need authorization from the insurer if the estimated cost of treatment is more than the fixed amount written in the policy.

Medical assistance, on the other hand, covers the cost of getting road ambulance, air ambulance, sea rescue, etc. When participating in a dangerous activity, you need to know if your provider can cover the cost in case you get injured or become ill during the activity.

This will also cover the cost of returning you to your own country after you have received medical treatment from SA hospital.

In the event of death while traveling in this country, this insurance also covers the cost of returning your remains to your home place.

Hospital bills
In case you need to stay in the hospital, this insurance will cover incidental costs during your stay as an in-patient.

Cancellation and trip interruption
This coverage offers protection against financial loss associated with lost deposits, non-refundable transport costs.

It also protects the insured against unexpected illness or death of a close relative while the insured is traveling.

If something happens to your home, like fire or flood, this type of insurance can also offer you some benefits.
 
But you must read the terms and conditions of the policy you want to obtain because the claim varies from one policy to another. Therefore, reading the small print is a must.

Legal expenses
In case you got into trouble with the laws in South Africa, this coverage can help you in paying all legal costs involved in litigation.

A standard travel insurance policy when going to South Africa contains a lot of sections. Not all of these sections are needed. Most of the time, however, this policy covers all unexpected events that may occur while you are travelling to this country. 

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