TRAVEL INSURANCE
What is travel insurance?
This is insurance purchased to protect oneself against specific financial risks and loses that occur whilst you travel abroad.
Why you need travel insurance.
This will come in handy as you travel in the event;
- You require medical assistance
- Your trip is cancelled
- Your trip is delayed and further causes you to miss out on other connecting flight and events
- Repatriation of mortal remains/Burial expenses
- Follow up treatment in Kenya
- You require legal assistance whilst abroad
- Your luggage is delayed or lost
- If it’s a requirement to have in a country you traveling
- In case you are mugged and lose your vital documents
BENEFITS OF HAVING TRAVEL INSURANCE AND COVERAGE SCOPE EXPLAINED.
Emergency medical expense and follow up treatment in Kenya
It covers you for emergency medical expense incurred as a result of injury or illness whilst traveling abroad up to the maximum limit you have chosen.
Travel facilitation of family members accompanying you in case of your illness, accident or unfortunate demise.
The insurance company will cater for travelling costs of family members to the limit chosen by the client to keep them company in hospital , or arrange for repatriation costs in case of unfortunate event of demise
Daily hospital cash benefits
Since it’s argued the client unfortunate accident or illness occurrence will hinder their day to day activities, the insurance company will pay daily amounts in cash chosen by the clients limit to return them to the original position they were in before the occurrence.
Personal accident cover
In the unfortunate event of disability or demise as a result of injury suffered abroad, the insurance company will pay out an extra pay to the limit chosen by the client.
Personal liability cover
This covers you against damages, compensation and legal expense for which you become legally liable as a result of accidental injury to third parties or accidental damages to third party properties.
Hijack
This covers unfortunate hijacking or unlawful seizure or unlawful exercise of control of the aircraft or cruise ship. This insurance company will compensate from minimum 100 usd per every 12 hour capture to the maximum the client choses on the cover.
Loss of passport
In the event you lose your passport during your trip outside Kenya, the insurance company will reimburse you the actual expense necessary and reasonably incurred by you in connection with obtaining a duplicate or fresh passport.
TAKE AWAY
A 1-8 day trip to Europe will cover you for a medical expense of up to USD 75,000 (KSH10.5M) bare minimum …how much would it cost you to pay the insurance company for that coverage? – USD 30 (KSH 4,200).
Your guess is as good as mine every time you get into that flight, have you some Travel insurance.
Nb - Travel insurance is global and rates will vary from Africa, Europe, Asia, North America, Antarctica, South America and Oceania.
At Lukas actuarial insurance solutions, we have been able to negotiate for better rates for groups and individuals travelling, ensure smooth claims process and quick travel insurance cover processing at the comfort of your house or at the embassy awaiting your interview. Be sure to hit us up ASAP.
Compiled by
LUKAS ACTUARIAL & INSURANCE SOLUTIONS
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Our Official Website : https://lukasactuarialsolutions.co.ke/