Travel Insurance do not just cover accidents but also trip delays, baggage loss and trip interruption amongst others.
3. Medical Evacuation & Repatriation
Usually as part of travel insurance, Medical Evacuation ensures that the traveller will be taken to the nearest medical facility in a situation that the traveller needs a medical emergency during the trip. Most policies would abide by this and send the traveller to the nearest medical facility. In the case that the traveller is advised to seek further treatment in their homeland, this benefit usually covers the cist incurred travelling home.
As for Repatriation, it ensures that in the case of the demise of the traveller, the remains of the traveller will be transported back to their homeland.
These may sound unlikely however, due to Indonesia’s location on the globe, Indonesia does have a significant volcanic and seismic activity and may be victim to tsunamis and earthquakes in Indonesia.
4. Auto Insurance
In Indonesia, many motorcyclists do not wear helmets when bolting down the streets. This poses as a high risk even for other road users, be it other motorcyclists or drivers. Thus, having a car or auto insurance would be beneficial in the case of an accident.
Auto Insurance covers property, liability and medical. It covers damage and theft of the holder’s car, legal responsibility to others for injury or property damage as well as covering the cost of treating injuries, rehabilitation, and possibly funeral expenses in the case of a demise.
In Indonesia, a car insurance is not mandatory unless it is financed. However, a third-party liability insurance policy is compulsory to have.
5. Life Insurance
There is always the risk of unforeseen circumstances, and not only just for travelling to Indonesia, but it is also wise to have life insurance in the case of demise to ensure that your loved ones are provided with financial security for the future.
Some insurance companies allow you to insure your life up to 20 times of your yearly salary.