Inclusions

In general, what are the inclusions in an overseas travel insurance policy?

The following aspects illustrative, not exhaustive): • Personal accident • Loss of checked-in baggage • Delay in checked-in baggage • Loss of passport • Personal liability • Hijack allowance • Emergency cash • Trip cancellation/delay (interruption) • Missed flight connection

Expect These Exclusions

are covered (list

Check which age bracket you fall under for certain plans as age is a significant factor in determining premiums.

Takeaways for Consumers

a) Buy a policy that offers emergency cash/ hospital daily allowance in case of sudden hospitalisation. b) Opt for a policy that has dental treatment

as one of the inclusions. c) Make sure it gives you burglary cover at home. If you are travelling for a long time and there is no one back home, it's better to buy a plan that offers coverage for burglary and protection of building.