Travel insurance is growing extremely popular in terms of buying. However travelers are still trying to figure out the best way to find an ideal insurance.
So if you are a resident of UK and planning to travel abroad than you need to have 2 types of insurance, European Health Insurance Card (EHIC), and private travel insurance. This document will give brief about both types of insurance
EHIC
It is also known as the E111, and was implemented in 2006. It is a card that the traveler needs to carry. This way, in case of any mishaps or if there is a need of medical care EHIC card itself is sufficient.
Every British UK resident is allowed to receive an EHIC. Some other nationalities like British, EEA, EU or Swiss are also eligible for the same.
With EHIC holders will get medical attention across all EU and European Economic Area (EEA) countries, and in Switzerland. However, it excludes any private medical treatment, and offers cheap or free treatments. With EHIC you get treatment similar to as a local. Citizen will pay for their treatment and was possible to be claimed back at a later stage. However, post 2014 as per the new rules, no refunds would be possible. EHIC covers brief trips to other countries.
EHIC excludes the medical costs which include medical procedures as the main reason of travel. Also, it doesn’t cover any planned birth procedures during travel. Cheaper medical procedures in other countries are also excluded from this. Furthermore, as EHIC only helps in cost of treatment other costs like injury, travel alternatives and accommodation are not covered. Thus, the need for Private insurance.
Private Travel Insurance
Private Travel Insurance is a type of secondary insurance that travelers must possess while traveling from UK. These come in a lot of types and covers various aspects of travel. Since there are various options available check these tips to find the best fit for you
Personal Injury
It is a must have insurance policy and covers medical expenses in the event of injury. It also covers, travel, accommodation cost in terms of injury. However, it is advised to be aware of what all is covered in the insurance. Accidents due to drink and drive, drugs related and risk sports like sky diving are not included.
Flight related incidents
Any cancellation, damage or loss to luggage, delays and missed departures are all covered under this category. The travel related delays are covered in the scenario of conditions which have no control like weather conditions.
Damage, loss or theft to your property
This is to ensure that once you are back there are no surprises. Your home and other possessions are insured and protected by the banks. Select the amount properly and understand the guidelines properly.
With the help of these tips select the best insurance next time you decide to travel.
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