{"id":45443,"date":"2024-01-15T17:57:28","date_gmt":"2024-01-15T09:57:28","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=45443"},"modified":"2024-01-15T17:57:32","modified_gmt":"2024-01-15T09:57:32","slug":"travel-insurance-deductibles","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/travel-insurance\/travel-insurance-deductibles","title":{"rendered":"Deductibles In Travel Insurance: How Do They Work?"},"content":{"rendered":"\n<p>A deductible refers to the amount of money that the policyholder must pay out of pocket before the insurance coverage kicks in. Essentially, it is the portion of a covered loss or claim that is not covered by the insurance company. We&#8217;ve previously covered this topic when discussing <a href=\"https:\/\/bjak.my\/blog\/car-insurance-deductible\/\">car insurance deductibles<\/a> but did you know that <a href=\"https:\/\/bjak.my\/blog\/travel-insurance-myths\/\">travel insurance<\/a> policies also have deductibles? Let us explain how they work in this article. <\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_50 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Contents =<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\" role=\"button\"><label for=\"item-69d74d85ab5f9\" aria-hidden=\"true\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999999;color:#999999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999999;color:#999999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69d74d85ab5f9\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/travel-insurance\/travel-insurance-deductibles\/#Deductibles_in_travel_insurance\" title=\"Deductibles in travel insurance\">Deductibles in travel insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/travel-insurance\/travel-insurance-deductibles\/#How_are_deductibles_counted\" title=\"How are deductibles counted?\">How are deductibles counted?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/travel-insurance\/travel-insurance-deductibles\/#How_to_choose_a_deductible\" title=\"How to choose a deductible?\">How to choose a deductible?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Deductibles_in_travel_insurance\"><\/span>Deductibles in travel insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Deductibles in <a href=\"https:\/\/bjak.my\/blog\/flight-insurance-pros-and-cons\/\">flight insurance<\/a> policies can be divided into three types. They are per claim or occurrence deductible, per trip deductible or per person deductible. More details on these types are stated below:<\/p>\n\n\n\n<p><strong>Per Claim or Occurrence Deductible<\/strong>: This type of deductible is applied to each separate claim or incident. For example, if you have an RM200 deductible per claim and you make two separate claims during your trip, you would be responsible for paying RM200 for each claim.<\/p>\n\n\n\n<p><strong>Per Trip Deductible<\/strong>: Some travel insurance policies have a deductible that applies to the entire trip rather than each claim. In this case, you would pay the deductible only once per trip, regardless of the number of claims you make.<\/p>\n\n\n\n<p><strong>Per Person Deductible<\/strong>: In some cases, each insured person on the policy may have a deductible. This means that if multiple individuals on the same policy make claims, each person would be subject to their deductible.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"How_are_deductibles_counted\"><\/span>How are deductibles counted?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Your deductible will usually be applied once the insurance company issues the payment for a claim that you submitted. The insurer will deduct the amount from the approved claim amount. Let\u2019s say the approved claim amount is RM5,000, and your insurance deductible rate is RM500, so your insurer will issue you a payment for only RM4,500.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"How_to_choose_a_deductible\"><\/span>How to choose a deductible?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>It&#8217;s important to carefully review the terms and conditions of your travel insurance policy to understand how the deductible is applied and what expenses are subject to it. Not all types of expenses may be subject to a deductible. For example, some policies may have specific coverage (such as emergency medical expenses) with no deductible, while others may have deductibles for certain types of claims (such as trip cancellation or baggage loss).<\/p>\n\n\n\n<p>Lower deductible typically means higher premiums but remember that deductibles can vary widely between policies and among insurers. Hence, it&#8217;s crucial to choose a deductible amount that you are comfortable with in case you need to make a claim later.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><em><em><em><em><em><em><em><em><em data-l-s=\"67471\"><em><em data-l-s=\"67471\"><em>Bjak is one of Malaysia&#8217;s biggest insurance comparison websites, offering policies from over 10 brands. Get your free insurance quote from Bjak today!<\/em><\/em><\/em><\/em><\/em><\/em><\/em><\/em><\/em><\/em><\/em><\/em><\/p>\n\n\n\n<div class=\"wp-container-1 wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-black-color has-luminous-vivid-amber-background-color has-text-color has-background\" href=\"https:\/\/bjak.my\/travel\"><strong data-l-s=\"50547\">Get Free Quote<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p><em>Read more:<\/em><\/p>\n\n\n\n<ul><li><strong style=\"background-color: var(--nv-site-bg); color: var(--nv-text-color); font-family: var(--bodyfontfamily); font-size: var(--bodyfontsize); letter-spacing: var(--bodyletterspacing); text-transform: var(--bodytexttransform);\"><em><a href=\"https:\/\/bjak.my\/blog\/travel-insurance-compare\/\">How To Compare Travel Insurance Policies Online?<\/a><\/em><\/strong><\/li><li><strong><em><a href=\"https:\/\/bjak.my\/blog\/international-travel-insurance\/\">International Travel Insurance For Senior Citizens<\/a><\/em><\/strong><\/li><li><strong><em><a href=\"https:\/\/bjak.my\/blog\/travel-documents-checklist\/\">Essential Travel Documents Checklist<\/a><\/em><\/strong><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Learn more about deductibles in travel insurance and how do they work, as we explain them in this article.<\/p>\n","protected":false},"author":19,"featured_media":45445,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","spay_email":""},"categories":[1646],"tags":[59,1645],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - 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