Cheap international travel insurance to save maximum costs but still ensure 100% visa validity is an outstanding advantage when choosing The Newbie Insurance
1. What is international travel insurance?
International travel insurance is an insurance product for people living in Indonesia traveling internationally and encountering risks. Some typical risks when traveling abroad can be mentioned as health risks due to illness or accidents abroad. Risk of loss of property, luggage to carry for essential activities or work. Risk of liability when accidentally causing loss of property and health to others while abroad (For example, causing a traffic accident).
These risks, if they occur in Indonesia, are inherently expensive in terms of costs and cause many inconveniences, but when they occur abroad, the level of financial loss is much greater due to the level of financial loss. expensive costs abroad. Meanwhile, domestic insurance products are often ineffective when occurring in foreign territories. Therefore, equipping international travel insurance is to prevent and limit the level of damage for unexpected risks that may arise abroad when traveling internationally.
2. What are the advantages of The Newbie's cheap international travel insurance?
Currently, on the Indonesian market, there are many different insurance companies. Most insurance carriers offer international travel insurance products. However,The Newbies cheap international travel insurance still has outstanding advantages compared to other insurance companies. Outstanding advantages include:
– The Newbie has the oldest presence in the market and is the most experienced in international travel insurance products. Through the practice of building and perfecting insurance products for many years, international travel insurance has the range of benefits that closely follow the travel risks, the most comprehensive and practical protection for people traveling abroad. outside. Due to a very wide and diverse insurance coverage, The Newbies international travel insurance products are also well suited for other purposes of going abroad such as visiting relatives abroad, international business, studying abroad. or even export labor. In other words, even if you go abroad not for tourism purposes but for other purposes, you are still fully protected and have absolute peace of mind when participating in The Newbie's cheap international travel insurance.
– The second advantage that cannot be ignored is the very low cost of participation. This is an advantage that young insurance companies find it difficult to implement. The reason is because The Newbie has a very large number of customers and has been loyal to The Newbie for many years. Meeting the principle of majority in insurance participation helps The Newbie to lower the insurance premium to the lowest level while still ensuring the budget to cover the risks arising for international tourists. .
– The Newbie has a strong and experienced team of insurance professionals. Along with well-trained and professional customer service and communication skills. Certainly, customers participating in international travel insurance at The Newbie will always be satisfied and assured from the time they join the insurance until they use the compensation service (if any) later.
The Newbie International Travel Insurance has applied for electronic insurance certification, making the insurance enrollment process simpler, faster and more convenient than ever for customers.
– The Newbie has the largest branch network and is evenly distributed throughout the country. Helping customers, regardless of location across the country, can quickly and easily access The Newbie
– The Newbie provides super speed insurance 24/7, even after hours or even midnight, including holidays such as Saturdays, Sundays or holidays. The Newbie is always ready to serve and also support to bring to customers if needed.
3. The Newbie international travel insurance benefits
The Newbie international travel insurance benefits are designed to be diverse and comprehensive to protect most risks that may arise abroad for many different exit purposes. It is because the nature and level of risk of international trips is very different depending on the purpose and duration of going abroad. Therefore, The Newbie also builds insurance benefits under 3 programs from low to high according to the increasing level of benefit scope and payment limit. Programs have increasing levels from Silver -> Gold -> Diamond. The benefits of the program are as follows:
3.1. Silver Program Benefits
Is the lowest program, the cheapest price. The Silver Program only has basic benefits, enough to meet the visa requirements of the embassies of the countries. Includes benefits for medical expenses due to illness and accidents with a compensation limit of 45,455 USD or 40,000Eur optional. This limit well meets the embassy's minimum limit requirement of 30,000Eur.
In addition to medical expense benefits, the Silver plan also has the following benefits:
- Credit card balance payment benefits when the Insured dies unfortunately overseas without paying the outstanding credit card balance.
- The benefit pays for emergency medical transportation to bring the insured person to a place of treatment as prescribed by a Doctor.
- Benefits to pay for funeral expenses abroad in case of death or expenses for repatriation of corpses to the country of exit.
3.2. Gold Program Benefits
The Gold plan has broader benefits than the Silver plan and covers all the benefits of The Newbie International Travel Insurance. In addition to the listed benefits of the Silver plan. The Gold Program also includes many related benefits and may arise during the journey abroad such as:
- Property insurance benefits: insurance for the unfortunate property that is lost due to theft, robbery or damage
- Delayed Baggage Risk Benefit: Checked baggage on the flight can be at risk of being delivered to you late, causing the lack of necessary personal items to bring. If the time is too long (more than 8 hours), it is likely that you need to actively buy essential personal items to use because they cannot be without them longer. The Newbie will pay you the cost of buying essential items in this case
- Compensation for the risk of loss of travel documents and carry-on money. The Newbie international travel insurance also protects you in case of loss of travel documents such as visas, passports and money brought by theft or natural disasters such as earthquakes, thunderstorms, tsunamis....Money lost and the cost to re-do travel documents will be reimbursed by The Newbie on the basis of confirmation of the loss from the local police agency.
- Public Liability Benefit: You may also have a liability problem abroad and need insurance in this case. For example, you accidentally cause a traffic accident on the road and the fault is yours. The Newbie will compensate you for the damage to the car, property and body of the person you hit
- Delayed Trip Coverage: Using public transport abroad is indispensable for international trips. But if the traffic is delayed, the delay will most likely cause you a lot of damage. For example, you do not arrive at the hotel in time while the room rental is still incurred because you booked in advance. Or you didn't make it in time to watch the football match because you were overtime. The Newbie will compensate for every 8 hours of your delay if public transport is delayed
- Insurance benefits for lost deposit or trip cancellation: In case you lose your hotel deposit abroad, even you have to cancel your trip for legitimate and force majeure reasons mentioned by The Newbie. such as: Four parents, spouse and children have a serious health risk or a close domestic partner has a serious risk that makes you forced to cancel the trip. Either you have to go to court as a witness for a case ordered by the court, or the place where you live suddenly has a serious natural disaster that forces you to be present. These risky cases cause you to lose your deposit and cancel your trip, but you will be compensated by The Newbie
- Insurance benefits for a shortened trip: You are forced to shorten the trip's schedule and return home earlier than the original plan due to serious health risks caused by relatives and close partners. you have to go home. This risk is also covered by International Travel Insurance
- Insurance when winning a golf shot "Hole in One": It can be understood that this is a double joy when a participant of The Newbie's cheap international travel insurance wins an overseas golf award because of a golf ball. hit Hole in One. Because the odds of winning the "Hole in One" are very difficult, only 1/12,500 of amateur golfers win and 1/2,500 of professional golfers. Therefore, when winning this award, the insured may incur expenses such as entertaining friends, spending money on charity funds.. The joy for golfers who won the Hole in One prize abroad will be completely because The Newbie will pay a decent amount of money to let them actively pay for things after winning the prize.
- Rented vehicle insurance: When going abroad, you may have to rent a personal vehicle such as a car or motorbike to serve your own needs. Usually, the owners of these vehicles have purchased insurance for the vehicle to prevent damage to the vehicle. However, the insurance company will not pay 100% of the loss, but the driver still has to bear a certain small amount (called the deductible). For example, in The Newbie, the car driver will have to bear 500,000 IDR for each loss (deduct 500,000 IDR/case), and the insurance company will pay the remaining loss. Suppose a car collision breaks a lamp worth 10 million IDR, you bear 500,000 IDR yourself, the insurance company pays the remaining amount is 9,500,000 IDR. When renting a car to travel abroad, you will not have to pay this deductible,The Newbie will pay the deductible amount on your behalf (if any).
The diamond program has the same scope of benefits as the Gold program, but has a higher compensation limit and is The Newbie's international travel insurance program with the highest payout limit of 3 billion IDR, equivalent to 136,364 USE or 120,000,000 Eur. The Diamond program meets the high-end protection needs of VIP customers, who want comprehensive protection with the highest payout limit.
For convenience in learning and comparing benefits between 3 cheap international travel insurance programs of The Newbie. Please refer to the Summary of benefits of 3 Silver - Gold - Diamond programs in 2 popular international currencies, USD and Eur, depending on which country you go, we will refer to the benefits table according to currency corresponding to that country
3.4. Summary of insurance benefits in USD
3.5. Summary of insurance benefits in EUR
4. The Newbie international travel insurance price
Normally, the price of international travel insurance is calculated according to the number of days of insurance and the insurance plan. At The Newbie, the price is calculated more optimally for participants. In addition to the number of days and programs, The Newbie also applies prices according to the territory that the person travels to. The regions that are divided by The Newbie to apply prices are Southeast Asia, Asia and Global. Accordingly, the wider the area to go, the higher the price will apply than the closer area. Therefore, it will be optimal and cost-effective for international travelers in regions such as Southeast Asia and Asia. For detailed information about the price of international travel insurance that The Newbie is applying, please see the table of cheap international travel insurance premiums of The Newbie by region below:
4.1. Price of international travel insurance to Southeast Asia
Countries applying this rate include: Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Singapore and Thailand
4.2. Price of international travel insurance to Asia
Countries in the Asia-Pacific region applying this price include: Southeast Asian countries + Australia (Australia), Mainland China, Guam, Hong Kong, Japan, Korea, Macao, New Zealand, Saipan Island, Taiwan and Tinian Island.
4.3. Price of international travel insurance to go Global
All countries and territories outside Indonesia.
5. Procedures for participating in international travel insurance in The Newbie
The procedure for participating in international travel insurance at The Newbie Insurance is very simple and convenient, following these steps:
Step 1 – Product consultation: Customers just need to contact The Newbie through the connection channels built into the website such as: Zalo, texting, calling, messaging Facebook Messenger to be consulted directly by The Newbie experts. If you can't talk right away, you can fill out the consultation registration form below this article to schedule a consultation. The Newbie's experts will call you back to advise you at your requested time
Step 2 – Provide information: After being consulted about the most suitable product information and insurance package, the customer provides insurance participation information including: 1/ Full name; 2/ Date of birth; 3/ Passport number; 4/ Date of departure; 5/ Return date; 6/ Address
Step 3 – Receive insurance and pay fees: Customers receive insurance up to 30 minutes after providing information. You can choose to receive an electronic certificate via email/zalo or receive a hard copy via the required address. Insurance premiums are paid via direct transfer to The Newbie Company's account
6. After-sales support of The Newbie international travel insurance
The Newbie is committed to providing 24/7 support throughout the insurance period through the built-in connection channels on the website: blogbebasapaaja at any time, including overtime, Saturday, Sunday or Public Holiday. All information is supported and answered by us immediately so that the use of insurance can promote the best effect, ensuring maximum benefits for customers.
7. Procedures for international travel insurance compensation
7.1. Compensation consulting department
If you have any questions about The Newbie's international travel insurance claim settlement procedure, please contact us through the contact information below for the earliest support! The Newbie is committed to providing 24/7 support throughout the insurance period through the built-in connection channels on the website: blogbebasapaaja at any time, including overtime, Saturday, Sunday or Public Holiday. All information is supported and answered by us immediately so that the use of insurance can promote the best effect, ensuring maximum benefits for customers.
7. Procedures for international travel insurance compensation
7.1. Compensation consulting department
If you have any questions about The Newbies international travel insurance claim settlement procedure, please contact us through the contact information below for the earliest support!
7.2. International travel insurance claim file
The set of claim documents for international travel insurance of The Newbie includes:
For each type of risk, the compensation procedure will need to collect different documents. However, do not worry about not knowing what documents to gather, whether there are missing documents. The Newbie will guide you through the collection procedures for each type of risk. In addition, during your travel, you can still connect with The Newbie for direct support and at the time of a risk to understand what you need to do to ensure insurance benefits:
(a) For Personal Accident Insurance:
Physician and hospital reports detailing the type of loss, extent and duration of injury, police reports if applicable, and a copy of the death certificate and autopsy report in the event of death.
(b) For Medical and other expenses, Hospitalization, Loss of deposit, Cancellation or shortening of trip:
All receipts, tickets, contracts or agreements relating to the claim and if the claim is about medical treatment, a complete medical report from the physician stating: (a) the symptom of the illness being treatment, (b) date of onset of illness in the opinion of a Physician, (c) a summary of treatment including the drugs prescribed and the services used.
(c) For Personal belongings and belongings, Delayed baggage claim; Carrying money and travel documents:
All details, including but not limited to, receipt with date of purchase, price, type and type of lost or damaged item, receipt for urgent purchase of travel essentials , a copy of immediate notice to the carrier, and the carrier's note of loss or damage occurring during transit, a certified immediate report to the police when the loss or damage occurs. out in other situations. These reports should be made within 24 hours of the incident.
(d) In case of Trip Delay:
Documents required by the Company proving the cause of such delay are officially acknowledged together with a clear statement of its nature.
(e) For Personal Liability:
All correspondence, summons or subpoenas must be sent to the Company immediately upon receipt, unanswered.
(f) For “Hole in one” Golfing benefits
The scorecard that records the event, issued by the golf club, is countersigned/signed and recorded in writing by the golf course manager.
(g) In the case of Insurance Deductible Reimbursement of a rental vehicle
Proof of the deductible incurred in connection with the loss.
7.3. Address to receive compensation documents
a. In case customers make purchases and pay online / Certificate of insurance is issued by Head Office - The Newbie Insurance Corporation. Dossier of claim, please send it to the Department of Guarantee and Hospital Fee Payment
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