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