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Uzone.id – Air travel is a popular choice for many, and while the chances of an accident are slim, it’s essential to have travel insurance in place to prepare for the unexpected. In emergencies like plane accidents, travel insurance can offer victims and their loved ones valuable support and benefits.
For information, travel insurance is a type of insurance that can protect users from the risk of death, permanent disability, and financial losses related to domestic and international travel. This insurance can cover costs incurred due to treatment, trip cancellation, and other incidents on the trip.
With insurance, users will get peace of mind from booking airline tickets to making the perfect itinerary due to careful prior preparation. Although often overlooked, having travel insurance can provide additional coverage, allowing users to focus more on their trip. So, what is covered by travel insurance in the event of a plane accident?
Financial Guarantee
Travel insurance can also provide financial support after an accident or unexpected event on the flight. This type of insurance provides users with compensation for injuries sustained in flight accidents.
Medical Coverage or Medical Expenses
In general, travel insurance covers losses due to flight accidents within medical coverage. Such as helping to overcome unexpected medical costs, rehabilitation costs, drug costs, finding qualified doctors, and several types of insurance that provide health facilities abroad.
Death
This type of insurance provides protection to users against death due to flight accidents. Usually, the family of the abandoned user will receive compensation from the airline and all death costs are covered, such as the cost of repatriation of the body, funeral, and others.
Other disadvantages
In addition, flight insurance usually covers losses due to flight delays, cancellations, baggage delays, and lost baggage. Furthermore, some flight insurance can cover passengers’ belongings lost or damaged during the trip. Compensation will be given according to the proof of purchase of replacement goods.
The factors that can affect travel insurance coverage in the event of a flight accident include:
- Exclusions and Limitations of Coverage
The amount of compensation provided by insurance depends on the type of flight accident the user experienced. Furthermore, there are exceptions in certain cases, such as pre-existing medical problems.
- Flight Type
The type of flight also plays an important role in influencing travel insurance coverage. Whether the flight is commercial or private, the duration and destination also affect insurance coverage.
- Types and Costs of Premiums
Parameters such as age, health, and the number of dependents determine the type of insurance policy and premiums. Using a standalone policy or additional features can also affect the coverage provided for aircraft crashes.
However, several things will not be covered by aviation insurance, such as:
- Loss outside of an accident at departure, disembarkation, or during the flight
- Civil and political unrest in the destination
- Pregnancy and childbirth
- Holiday or flight destinations with dangerous adventures or activities
- Death from any disease
- Death during surgery
- Death due to mental or physical illness
- Death due to drug overdose
Country Regulations
Law No. 1 of 2009 concerning Aviation and Regulation of the Minister of Transportation No. 77 of 2011 regulates aircraft accident insurance. In this case, the airline is responsible for the losses passengers suffer due to accidents during the flight.
Travel insurance provides critical financial protection when traveling. With travel insurance, airplane passengers can feel more calm when traveling by air.
This protection provides financial security and ensures access to medical services and other assistance if any untoward things happen during the flight. As a precautionary measure, every passenger must understand the benefits and protections of their travel insurance before flying. (Nurul Arifah)
