It is important for the insurance to cover the benefits that the insured person or someone close to them becomes seriously ill, suffers an accident or dies. The same applies to the deputy at the workplace. The following case studies show when the personal assistance of Travel insurance a service takes over:
- The deputy at work fails due to an accident, you have to travel back straight away and start your job in the company. The insurance covers all related costs.
- They get lost on a hike and stay nowhere. A helicopter and the mountain rescue service are looking for you, which is very expensive. These costs are borne by the insurance company.
- You are on a tour in Ghana and are seriously injured there. Surgery is unreasonable, you have to be transported back to Switzerland. The insurance bears the costs.
- Grandmother dies at home while on vacation. The return journey from vacation will be started immediately.
- In order to find a succession plan for the injured substitute at work, numerous telephone calls have to be made. The insurance covers the costs for this.
- The insured person dies on vacation. The cost of returning to Switzerland is borne by the insurance.
- In the event of an acute illness, treatment in hospital is necessary. This requires an advance payment so that treatment can begin. The insurance takes over this advance.
Personal assistance does not always pay
However, the personal assistance provided by travel insurance does not always cover the costs of a canceled holiday. If treatment becomes necessary but is not classified as an emergency, the insurance will not pay any more than if an injury results from a risk. Anyone injuring themselves while bungee jumping abroad and accepting the risk of insufficient protection must expect that the insurance will not pay.
Personal assistance also does not cover the costs of illnesses that existed before the contract was signed and only showed up on vacation or worsened there in need of treatment.
Conclusion: Personal assistance is an important insurance
An accident can happen quickly on vacation and cause high costs or even make it necessary to cancel the trip. Personal assistance assumes the costs incurred, but also restricts the granting of benefits. It is therefore important to take a close look before taking out insurance.
You can view the offers for Compare travel insurance and should absolutely observe the exclusions of the individual insurers. Many cases that appear unambiguous cannot be considered for a service due to the exclusions stipulated in the general contract conditions. In general, the personal assistance is especially recommended for medium to high-priced trips and for trips that should extend over a longer period of time.
