| tainty is a part of life. What tomorrow holds in | | | | company. |
| store nobody knows. However the risk of | | | | Exclusion - Always read the fine print. Accidental |
| uncertainty can be reduced by insurance. This is | | | | coverage is not provided in case of drunken |
| especially true in case of travel accident insurance. | | | | driving, driving under the influence of narcotic |
| Any experienced traveler can tell about the | | | | substances etc. Exclusions are also provided for |
| uncertainties and risks in long distance travel. | | | | accidents during risky sports like bungee jumping, |
| Accidents, illness, injury, natural calamities, terrorist | | | | car racing, scuba diving, white water rafting, flying |
| attacks, flight crashes have become part of | | | | (except as passenger in regular airliners), gliding, |
| everyday life today. What travel accident | | | | skiing, bike racing, diving, mountaineering, |
| insurance can do is reduce the financial burden | | | | windsurfing etc. that means in case of accidents in |
| incase of such calamities. | | | | these situations the insurance company is not |
| When buying a travel accident insurance policy | | | | liable to pay any amount to the insured. |
| few things need to be kept in mind. | | | | Family Insurance - Buying insurance for a group |
| Bundled policy - Usually travel accident insurance | | | | usually a family, works out cheaper than for |
| comes bundled with family travel benefits, | | | | individuals. |
| repatriation of mortal remains in case of death, | | | | Purchasing Online - Purchasing travel insurance |
| accidental death and loss of limbs or | | | | online works out cheaper than through an agent |
| dismemberments, medical evacuation, global | | | | because you do not have to pay to the agent. |
| medical insurance, trip cancellation/interruption | | | | This usually reduces the cost of the policy |
| insurance. | | | | between 5% to 20%. |
| Accidents - Generally accident coverage provides | | | | There are other things like deductibles, |
| for accidental death in vehicles, flight crashes, loss | | | | co-insurance, benefit period etc which need to be |
| of organs like hands, legs or eyes etc. For these a | | | | studied carefully before purchasing a travel |
| principal sum benefit of about 25,000$ to | | | | accident insurance policy. |
| 100,000$ is given by the travel insurance | | | | |