Travel insurance is an insurance policy that covers damage caused by injuries, illnesses and various problems during the trip.
What is national travel insurance?
Domestic travel insurance is the main contract for injuries caused when leaving home, as well as special contracts, including personal liability, property damage and rescue costs. Be. The duration varies from one insurer to another, but can last up to a month, and if the premium is lower, you can get about $10 in premiums for about a week or so of domestic travel. It’s possible.
Below is an overview of the main contractual departments and special contractual sections and the conditions of accession, such as damages.
The main section of the contract
The main contract for domestic travel insurance is to compensate for “accident injuries” during domestic travel.
1) Death and residual disability
2) Hospitalization/surgery
3) Outpatient
The insurance will be paid.
However, it includes encephalopathy, illegal driving (e.g. undocumented driving and driving under the influence of alcohol), climbing with climbing equipment such as high-risk ice axes and injuries in dangerous sports such as snowflakes. Many insurance companies do not apply.
Depending on the insurance company, you can supplement your climbing facilities by signing special contracts and paying additional premiums.
Department of Special Contracts
The main special contract for domestic travel insurance is
Personal responsibility
- Damage to personal items
- Cost of Relief
That’ll be three.
“Personal liability” is compensation for accidental injury or damage to another person’s property during domestic travel. Many insurers set a maximum compensation limit of $285,470 for an accident, while some offered compensation of up to $951,570.
If you are at risk of a car accident when traveling, you will need to choose an insurance company that offers higher compensation.
“Damaged Property” is a special compensation agreement for property damage caused by an accident such as theft or fire during travel in Japan. Some insurance companies have a $950 limit, while some insurers have a limit of $1,900 or $2,850.
Deductions (outside of the money) are set for private property damage, and many insurers seem to charge $30 per incident.
“Rescue costs” include the cost of disappearance or endangered in the event of a plane or boat accident during domestic travel, or for families traveling to the scene during injuries, death or prolonged hospitalization. This is a special contract.
Subscription terms, etc.
Depending on the insurance company, the age of the participants may vary depending on “no age limit” and “0-70 years of age”. If you’re traveling with seniors, you’ll need to check the age of your subscribers.
The duration of coverage varies from insurer to insurer, including up to one month, 14 days (13 to 14 days) and 7 days (6 to 7 days). Choose an insurance company that’s right for your travel time.
But what if you want to study abroad and buy insurance?
Study insurance is required abroad
In recent years, with the development of globalization, companies are looking for global talent, I think many people are considering studying abroad. In terms of studying abroad, students have many decisions and preparations before studying abroad, including choosing a destination to study abroad, study abroad, increase the cost of studying abroad, etc., you should be prepared for the risk of studying abroad.
Studying abroad is three times taller than it was 30 years ago!
The number of Japanese students studying abroad is said to be declining, now known as “unusable.” According to statistics from the Organization for Economic Co-oron and Development (OECD) (2013), the number of students studying in Japan was about 55,000, 8% less than the previous year.
The number of people studying abroad in 2004 was about 83,000, a decrease of approximately 33% compared to 2004. However, in 1983, there were about 18,000 students studying abroad, three times more than 30 years ago. We have many more students studying abroad than when our parents were students.
So what are the specific risks of studying abroad?
Check the risks of studying abroad in advance!
There are four major risks in this field when studying abroad.
1.Security risks
Overseas, the living environment and the safe environment in Japan are different from 2008. If you feel the same way as in Japan, you are more likely to be involved in theft victims and crimes.
- Health Risks
If you can’t adapt to the climate and food culture abroad, you’re more likely to get sick. For example, in some countries, food and water do not match and sanitation is insufficient. In addition, in the case of illness, there are many cases where high-cost treatment is performed overseas.
- Mental risks
In the case of studying abroad, there are very few people who can be trusted, and it is not always possible for someone to consult with you. If you are stressed, you may not be able to cope well with stress and can be distracting.
- Risk of becoming a criminal
Other people’s property can be damaged or injured as a result of carelessness or loss of recognition of national standards. In this case, the other party may claim compensation.
When studying abroad, it is very important to understand and adapt to differences in land, food culture, security, etc. Not everyone can trust overseas, so you need to do a lot of preparation and information in advance. One of them is “taking and registering for study abroad insurance”.