Travel Insurance ek aisa maali aur qanooni bandhan hai jo kisi vyakti ke safar ke dauraan hone wale achanak kharchon aur mushkil surat-e-haal se use aur uske parivaar ko maali hifazat deta hai.
Jab hum safar par nikalte hain, khaaskar door desh ya videsh ki yatra par, to sirf ticket aur hotel ka intezam kaafi nahi hota. Beemaari, luggage gum ho jaana, flight cancel hona ya passport kho jaana jaise haadse safar ko mehenga aur pareshaan kar sakte hain. Travel insurance isi risk ko kam karne ke liye hota hai.
Travel Insurance Ka Basic Framework
Travel insurance bhi ek contract hota hai jo traveller (policyholder) aur insurance company ke beech hota hai. Is contract ke tahat dono taraf ki zimmedariyaan pehle se tay hoti hain.
1. Traveller ki zimmedari
Traveller ek muqarrar rakam insurance company ko deta hai, jise premium kaha jaata hai. Yeh premium safar ki duration, destination, umar aur coverage ke hisaab se tay hota hai.
2. Insurance company ki zimmedari
Agar safar ke dauraan kisi prakar ki covered ghatna hoti hai, jaise medical emergency, baggage loss ya trip cancellation, to insurance company nirdharit shartein poori hone par kharch ka bhugtan karti hai.
Yeh zimmedari sirf policy period, yaani safar ki muddat tak hi simit hoti hai.
Travel Insurance Mein Prayukt Aham Terms
| Term | Arth |
|---|---|
| Premium | Wo rakam jo traveller policy lene ke liye deta hai |
| Policy Period | Safar ki wo avadhi jiske dauraan insurance laagu hota hai |
| Coverage | Wo risks aur kharche jo insurance company cover karti hai |
| Claim | Insurance company se maali bhugtan ki maang |
| Deductible | Claim ke waqt khud se dene wali rakam |
Policy Period Ke Bahar Ghatna Ka Case
Yeh baat samajhna bahut zaroori hai. Agar koi ghatna policy period ke bahar hoti hai, to insurance company us par claim dene ke liye zimmedar nahi hoti.
Misal:
- Travel dates: 1 June se 10 June
- Policy period: 1 June se 10 June
- Bimaari: 12 June
Is soorat mein claim reject ho jaata hai, kyunki policy apni muddat poori kar chuki hoti hai.
Travel Insurance Ke Mukhya Prakar
1. Domestic Travel Insurance
- Desh ke andar safar ke liye hota hai
- Medical emergency aur baggage loss cover karta hai
- Premium comparatively kam hota hai
2. International Travel Insurance
- Videsh yatra ke liye atyant mahatvapurn
- Medical expenses bahut mehenga hota hai
- Kai deshon ke visa ke liye mandatory hota hai
3. Single Trip Insurance
- Ek hi safar ke liye valid
- Occasional travellers ke liye upyukt
4. Multi Trip Insurance
- Ek saal mein kai safaron ke liye
- Business travellers ke liye zyada faidemand
Travel Insurance Coverage Mein Kya Shaamil Hota Hai
- Medical emergency aur hospitalization
- Accident aur personal liability
- Baggage loss ya delay
- Passport loss
- Trip cancellation ya curtailment
- Emergency evacuation
Coverage hamesha policy plan aur insurer ki shartein par nirbhar karti hai.
Travel Insurance Ke Fayde
- Achaanak medical kharch se hifazat
- Safar ke dauraan zehni sukoon
- Videsh mein legal aur financial madad
- Emergency assistance services
- Trip cancellation mein support
Travel Insurance Ke Nuksanaat aur Seemayein
- Har cheez cover nahi hoti
- Pre-existing medical conditions aksar excluded hoti hain
- Claim documentation par depend karta hai
- Deductible ke kaaran poora kharcha wapas nahi milta
Bharatiya Yaatri Ki Soch
Bharat mein travel insurance ko aksar log ek optional kharch samajhte hain. Aam soch yeh hoti hai:
Safar chhota hai, kuch nahi hoga.
Lekin jab videsh mein medical emergency hoti hai, tab yeh soch mehengi sabit hoti hai.
Insurance Companies Ka Nazariya
- Safar ke dauraan risk zyada hota hai
- Medical costs unpredictable hoti hain
- Traveller ko turant madad ki zarurat hoti hai
Isi liye travel insurance ko short term lekin high value product ke roop mein design kiya gaya hai.
Asal Haqeeqat
Travel insurance koi investment ya savings product nahi hai. Yeh ek pure risk protection tool hai, jiska maqsad achanak khatron se maali tahaffuz dena hai.
Saaransh
Travel insurance safar ka ek zaroori hissa hai. Yeh sirf paisa nahi, balki sukoon aur bharosa bhi cover karta hai. Samajh kar li gayi policy hi waqai faidemand hoti hai.
Jo vyakti safar ko zimmedari ke saath dekhta hai, uske liye travel insurance ek zarurat hai, na ki ek option.