Benefits of the cashless system in travel insurance – When you want to go abroad many things need to be prepared, including clothes and documents. There’s something else that’s no less important than travel insurance.
If you want to be safe, you must also set up a fund to secure your finances. Besides, you can also use travel insurance as your travel protection.
Travel insurance aims to cover part or all of the treatment if you suddenly fall ill. As we know that the cost of treatment abroad is not easy.
Surely you want to have fun while traveling abroad, so having travel insurance can make you calmer and safer.
The insurer has two liability systems that apply, namely the cashless system and also reimburse system, of course, the insurance company has its own policy for both travel insurance systems.
To get to know the cashless system of travel insurance, check out the explanation below
By using a cashless system, you don’t have to spend cash to get medical treatment abroad. Simply come to the hospital and show proof of travel insurance with a cashless system after which you can immediately get medical treatment until it heals. It’s very easy, but there are also some policies that you need to know here are some policies on the cashless system.
1. Easy claim process
however, if the platform’s advantages are borne by themselves. Insurance claims with a cashless system are easier, all overseas hospital costs will be covered by the insurance company. But the cashless system has limits on the match platform, if the cost of treatment exceeds the specified limit then you have to pay for the rest of the treatment with your own money.
2. Premiums paid more to the cashless system
Using a cashless system is quite simple and convoluted so the premium paid is also much more expensive. Premiums paid by each insurer vary. Premiums are paid depending on the deal you take when applying for travel insurance. the limits of the benefits platform are certainly more significant if the premium paid is also more expensive.
3. Fewer partner hospitals
Partner hospitals for cashless insurance are typically fewer when compared to hospitals that use the reimbursement system. Hospitals are limited because the cost of liability paid by travel insurance companies is quite large. But you don’t have to worry, even if the partner hospitals are few but at least the insurance you’re gunning up have cooperated with insurance workers in each country you visit.
To make sure that usually, the travel insurance company has a list of partner hospitals and their location. From there you can see if the insurance company has a partner Hospital in the country you are visiting.
Is this cashless travel system suitable for those of you who will have an itinerary abroad? If it is not suitable then there is a reimbursement method that you can use.
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