5 Ways to Deal Travel Insurance

Before you go on a holiday it is necessary that you buy a travel insurance to make your great holiday experience safe. You need to be sure you have the right travel insurance for the destination you are heading, and know precisely what is in your travel insurance policy. Otherwise you could pay a huge financial penalty if things go horribly wrong.

A few tips to help you to understand your policy better and get the best deal:

1.Benefits matter: Comparing the quotations of the of travel insurance products is not just enough. Compare also the benefits of the cover, the exclusions on the cover and other product features. It’s useful to have a ‘cooling off’ period, in which you are able to decide whether or not the policy really meets your needs. If the policy doesn’t have a cooling off period you can cancel your policy for a full refund.

2.Plan it well : If you are planning to travel abroad on more than a single occasion in a year then you can save more money by buying an annual multi-trip – travel insurance policy rather than buy a single travel insurance policy each time you go.

3.Check the other options: Sometimes your travel agent or tour operator may tell you that you have to buy their travel insurance in order to buy a holiday from them, maybe as part of an inclusive deal. Only take this if the total cost is rewarding, compared to buying the holiday and travel insurance separately. In most cases you will probably find that you are paying over the odds for the travel insurance, even if it is in some sort of ‘special deal’.

4.International helpline: Carry the international helpline number of your travel insurance company with you as you. Also, keep a copy of the policy with you, as you travel. .

5.Medical coverage: Don’t think twice in order to consider a medical coverage while traveling to another country. In most cases it is always best to take the medical insurance, even if you are going to a country with an E111 agreement. This agreement helps in cases of emergency, but does not generally cover routine problems. It is also especially important if you’re in a developing country with limited medical resources.

Before you get your travel insurance make sure you understand your travel insurance well. Read the offer document carefully. Take the time to read the small print on your travel insurance policy. If you have any questions on it, ask your provider about them before you finalize the deal. If the policy is family oriented be sure that it covers all the family members traveling with you. Buying duplicate coverage does not double your benefit. It wastes money and creates confusion that could actually delay payments.

Book travel insurance directly after booking your holiday, so that you are covered for cancellation. Make sure you know the insurer’s terms for cancellation though. You may be able to lower your travel insurance premiums by purchasing join cover if you are traveling as a couple.

Understand the different policies for different travelers. There are single-trip travel insurance, annual, backpacker travel insurance, worldwide travel insurance, ski as well as winter sports travel insurance along with other specialty travel insurance policies.

If We Are Going to Change Culture – Then What to What?

There is much discussion concerning how to change a safety culture providing ideas on what you can done to begin and sustain a “safe” work environment. Many people have their own idea and agenda. Who is to say who is right or wrong with their analysis? However, to move towards this culture, it might be a good idea to know more about the current culture you are in. How do “things get done around here?” This is a core question to ask. If you know the culture you are in, you can better assess where the obstacles are hidden, the personalities you will encounter and the resistance to change that might be present.

In the book Corporate Cultures, written by Deal and Kennedy they address several questions, such as: Does the Company have one or more visible beliefs? What are they? Do people know these beliefs? How do these beliefs affect the day to day business? Are the beliefs reinforced, by formal personnel processes, recognition, rewards?

Other things to consider or understand include the following: What is the business environment? What are the values? Is safety a priority, where things change all of the time, or a value where that will remain the same. Who are the Heroes? What are the rites and rituals day to day? What is the primary/informal means of communication? “A strong culture is a system of informal rules that spells out how people are to behave most of the time?” This not a trivial pursuit.

If the heroes (and senior managers) are from the sales staff and they get most of the rewards, presenting your safety presentation in the form of an engineering study may not fly, how do you translate the message into their language – They speak sales and commissions, client attainment, not rules and regulations!

How are meeting held? Formal, informal, complex or brief, bullets or in depth text, graphs? How and what is communicated. Read the newsletters as if you were tracking some great beast, you are!

Deal and Kennedy discuss several corporate “tribes”. The “tough-guy, macho” – where high risk are taken expecting quick feedback; The “work hard/play hard” where one seeks fun and action having few risks with quick feedback. It expects a high level of low risk activity. Next is the “bet-your-company’ with big stakes, very high risk, slow feedback; Finally the “process” culture that provides little or no feedback, people show up do their job and go home – bureaucracy!

The authors suggest a number of areas to look for clues about the organization: Study the physical settings, spiffy corporate office, dumpy outlying sites, and class differences? Contrast between what is said to be a value and clues as to what is really held as a belief. How does the organization greet strangers? Service cultures may ask if you need anything; Macho may ignore you. Short term focus? Long term focus? Inward focus? Inconsistency, different standards of dress, work habits, rituals? Guess the culture. Has the safety coordinator set up a successful process that reduced losses. If his/his GM walked by and threw a gift card on the desk with no comment. I’d go with tough-guy/macho. Each of these cultures requires a different approach- asking for feedback in the process culture, yawn! Setting up a multi-year process in a rah-rah sales driven culture, become the perceived anchor to their success. Your strategy and tactics must vary, maybe at each level of the organization. This is not to say a safety environment cannot be achieved in any culture but knowing what drives the organization may increase the potential acceptance of the process you want to implement.