In any trip, whether it be for leisure, business, study or seminar, an unexpected incident may occur at any time and cause loss of or damage to life and property. Travel Accident insurance is designed specifically to ease the burden of potential losses or damages. Travel Accident insurance can be divided into 2 types as follows:

Travel Accident Insurance (TA) provides coverage for any bordily injury occurring during a trip. With this type of travel accident insurance, compensation is paid for death, disability or medical expenses incurred from accidents.

Travel Accident Insurance is applicable to both domestic and international trips and the coverage starts from the moment the insured leaves home or office for the travel and ends when the insured arrives at the destination or returns to home or office or ends at the time specified in the policy, whichever occurs first. As this travel accident insurance provides only basic coverage, it is more suitable for domestic trips.

Comprehensive Travel Accident Insurance (CTA) is designed for only overseas trips and offers a wider range of coverage than Travel Accident Insurance. This is because overseas trips involve not only exposure to accidents but also sickness from the change in weather or environment, loss or theft of properties. Comprehensive travel accident insurance is worthwhile as it offers a wide and comprehensive range of coverage beyond bodily injury and eases worry about property loss or theft, etc.

Travel Accident Insurance (TA)

• Compensation for life and bodily injury including loss of life, disability and dismemberment.
• Medical expenses in case of accidents including Outpatient Departement (OPD) such as accidental knife cut, ankle sprain, and Inpatient Department (IPD) such as serious injury.

Comprehensive Travel Accident Insurance (CTA): Coverage in addition to the above-mentioned is as follows:
Compensation for life and bodily injury including loss of life, disability, dismemberment
Medical expenses and other expenses: Coverage for expenses for Outpatient Department (OPD) or Inpatient Department (IPD) treatment at hospital from accidental injury; illness suffered during the trip; and emergency medical evacuation and repatriation, travel and accommodation expenses for a hospital visit by relative or an accompanying relative for a return to home country in case of the insured can not help themselves and including expenses for cremation and repatriation of mortal remains.

- Hospital confinement indemnity coverage: In addition to medical coverage, the Comprehensive Travel Accident Insurance Policy offers daily cash benefit if the insured is admitted to the hospital as an inpatient (IPD).

- Personal liability: Comprehensive Travel Accident Insurance Policy indemnifies a third party for bodily injury or property damage caused by an accident during an overseas trip for which the insured shall be legally liable for. This excludes liability for use of vehicle.

- Loss of or damage to baggage and/or personal effects contained in the baggage: For any uncontrollable incident incurred during the trip such as loss or damage incurred in the hotel or at the airport, or robbery; if the incident has been reported to the police, the insured shall present the evidence to request reimbursement under the Comprehensive Travel Accident Insurance Policy for the actual amount of damage incurred but not exceeding the specified coverage amount.

- Baggage delay: Baggage delay on the part of an airline results in inconvenience and trouble to the travelers in buying new clothing and essential items. In such cases, the cash receipts and confirmation letter from the airline shall be presented to request reimbursement for the amount of expenses actually paid. The Comprehensive Travel Accident Insurance Policy provides reimbursement according to the period of delay which must not be less than 12 hours.

- Trip cancellation or trip curtailment: After departure on a trip with travel insurance coverage; should there be any unexpected incidents that require the insured to cut the trip short and return home such as severe sickness of relatives, emergency event at home, or incidents that prevent the insured from travelling such as a natural disaster like storm or earthquake at the destination, riot or strike, the Comprehensive Travel Accident Insurance Policy will indemnify the damage caused by trip cancellation or curtailment such as fines, guarantee deposits.

- Flight delay: In the case where a commercial airline takes off late or postpones the flight at least 12 hours later than the scheduled time due to any unexpected and uncontrollable incident, the travel insurance policy will provide compensation for every 12 full hours of delay.

- Hijacking: In the event that the aircraft or ship the insured is travelling in is hijacked, the travel insurance policy will provide compensation for every 24 hours of the hijacking.

When you are traveling abroad with travel insurance coverage, you can be assured that you are fully covered in the event of a natural disaster. However, if the natural disaster occurs prior to the trip, the insurance policy will not provide coverage for any loss or damage incurred from or as a consequence of the natural disaster.

Bangkok Insurance Hotline Centre 24-hour emergency travel assistance service .
The emergenc travel assistant service makes you feel at ease both before and during the trip. Services include telephone inquiries for general travel matters such as visa application, weather, foreign exchange rates or what to do upon baggage or passport loss, medical advice, hospital information, and location of the nearest suitable medical service provider in the event of emergency.

* The information is based on BKI comprehensive travel accident insurance policy only. Please study details of insurance packages offered by each company as the policy may vary from company to company. Please also note that this is a preliminary information only. The terms and conditions shall be as specified in the insurance policy.