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travel insurance (2)
Understanding the importance of taking travel insurance
Question | Answer |
---|---|
name at least three pre-existing conditions that you would have to declare? | diabetes heart problems mental illness acute asthma COPD (lung disease)Hemophilia Epilepsy Chronic Infections a pregnancy prior to coverage an injury which occurred prior to coverage. multiple sclerosis, etc. certain allergies |
If your luggage does not turn up what is the first thing your client should do? | report the loss to the airline efore you leave the airline |
What do the airlines usually do when your back has been misplaced? | They take your details, and often give you some money for essentials (toiletries) etc, they will then contact you when it turns up (98% bags turn up) and put your bag in taxi to where you are staying |
Who should buy travel insurance? | Anyone and everyone who travels |
What is just one consequence of a cancelled flight? | Missed connection, missed family event, late back to work |
I am going for a face lift in BKK, can I make a claim on my insurance for the surgery? | No, it is elective surgery, however you can claim on the other things covered in insurance, such as cancellation, baggage, etc |
According to research what percentage of people who are travelling overseas to visit friends and relatives do not carry insurance? | 36%, even if staying with friends overseas your client could still get sick, lose luggage, have an accident..... |
Before travelling, what should all clients check with their GP? | vaccinations and precautionary, I always suggest a client should get dental check up before going on holiday |
Why do insurance companies charge more if you have a pre-existing condition? | Pre-existing conditions are usually chronic and often costly conditions |
Does insurance pay out on pre-exisiting claims? | As long as you declared the pre-exisiting condition when you signed up, you will pay an additional charge for coverage, unless it is really chronic and then the insurer may not cover that condition. |