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Uzone.id – Air travel has become integral to modern life. However, behind its comfort and speed, there is a risk that cannot be ignored: accidents.
On the morning of 29 December 2024, 179 passengers of Jeju Air Flight 2216 were killed as the aircraft careened down the runway on its belly before bursting into flames at Muan International Airport, South Korea. It is the deadliest aviation disaster to hit South Korea since 1997, and experts said most likely the accident was due to birdstrikes.
The scene inside Muan International Airport was one of heartbreak and anguish as relatives waited for the news of their loved ones; most of the victims were families who had just spent their Christmas holidays in Thailand.
Airplane accidents are much less common than accidents in other forms of transportation, such as cars, trains, or ships. However, once they happen, they are fatal. Therefore, many people choose to have plane crash insurance to anticipate this risk.
“Airplane accidents are rare, but their impact can be huge. Plane accident insurance is a wise preventive step to protect yourself and your family,” stated Dr. Kim Hyo-jin, an aviation expert from Seoul National University.
Malaysian Airlines Flight MH370 disappeared over the Indian Ocean in 2014, while Flight MH17 was shot down over Ukraine the same year. These two events killed all the passengers and crew on board.
Plane crash insurance provides much-needed assistance to the victims’ families, from financial assistance to compensation for lost baggage, and some insurance policies also cover psychological support for families who lose loved ones in such tragic accidents.
Plane accident insurance provides financial protection to policyholders during a plane crash. The protection covers various things, from medical costs to financial assistance for the families of the deceased passengers. This insurance is designed to provide compensation for injuries, permanent disability, or even death that passengers may experience as a result of an accident.
Why Plane Accident Insurance is Important?
- Peace of Mind: Getting insurance doesn’t mean we are hoping for an accident; instead, it is a preventive move that makes you feel calmer and safer when traveling by air, knowing you are fully prepared for the worst.
- Financial Protection: If an accident occurs, insurance will help cover medical costs, medical evacuation, and even death benefits for the heirs.
- Lawsuits: In the case of plane crashes, lawsuits often arise. Plane accident insurance can help you face these claims.
How to Get Plane Accident Insurance?
You can get plane accident insurance from several sources. The first is from the airline itself; many airlines offer additional insurance during ticket purchases. Passengers can choose to add this insurance at a relatively affordable cost.
When you travel, make sure to buy travel insurance. It provides protection for broken luggage, delayed schedules, and even plane crashes. Be sure to check your travel insurance policy to see the full benefits.
Insurance companies also offer special policies for plane crashes. These policies usually provide broader coverage than the insurance offered by airlines. You may choose between those options which best suit your needs.
Crucial Factors in Selecting Plane Accident Insurance
- Protection Coverage: Pay attention to the type of protection offered, such as medical expenses, medical evacuation, death benefits, and luggage loss.
- Compensation Amount: Each insurance company has a different compensation amount. Choose insurance with a compensation amount that suits your needs.
- Costs: Compare costs from various insurance companies to get the best deal. The closer to the departure date, the more expensive the cost tends to be, so prepare it months before your departure.
- Terms and Conditions: Carefully read the terms and conditions of the insurance policy before deciding to purchase.
Plane accident insurance is a wise investment to protect yourself and your family from unexpected risks when traveling by air. It allows you to enjoy your trip more calmly and comfortably and provides guaranteed financial protection for your family if something undesirable happens.
