travel insurance
Travel-insurance procedure — Euro Asia Education Consultancy
1) Initial enquiry & needs assessment
- Collect basic trip details: traveler name(s), passport number, destination country, visa type (student/visitor/business), planned dates of travel and study/work, university/invitation letter, and whether pre-existing medical conditions exist.
- Determine visa/embassy minimums (minimum cover amount, required policy wording, single vs multi-trip, length). Euro Asia checks embassy/consulate guidance for any mandatory clauses.
- Decide the policy purpose: visa compliance only, full medical + evacuation coverage, or extended protection (baggage, cancellation, liability) for business travellers.
3) Shortlist insurers & request quotes
- reputable Bangladeshi insurers that offer international travel policies or have tie-ups with international underwriters, and reputable international travel insurers or brokered policies accepted by embassies/universities.
- Euro Asia requests formal quotes and policy wordings (sample certificate) for the exact trip dates and traveler profile.
- We compare: premium, cover limits, inclusions/exclusions, excess, claim process (local rep in destination), and whether the insurer issues embassy-ready insurance certificates.
5) Application & purchase (we assist end-to-end)
- Complete insurer application forms online or on paper — Euro Asia fills forms with the client while verifying passport name, DOB, and visa dates.
- Collect and submit required documents requested by the insurer (passport copy, visa/offer letter/invitation, pre-existing conditions declaration).
- Make premium payment (bank transfer, card) — Euro Asia can guide payment and receipt procedures.
- Receive policy document and embassy-style insurance certificate (PDF) — Euro Asia verifies the certificate before handing to the client.
7) Pre-departure briefing & travel tips
Before travel we advise travelers to:
- Save insurer emergency numbers inside their phone and carry a printed copy
- Set up online claim access (if available) and note required evidence for claims (hospital receipts, police report for theft, airline property irregularity report for lost baggage);
- Purchase additional top-up coverage if their course or employer requires higher limits
- Declare any chronic medical conditions at purchase and carry sufficient medication with prescriptions.
9) Extensions, renewals & mid-term changes
- If the stay is extended (course delay, visa extension), Euro Asia helps obtain an extension rider or new policy covering the new dates.
- For early returns or change of trip, we advise on refund/short-period premium rules and help process cancellations.
- Purchase additional top-up coverage if their course or employer requires higher limits
- Declare any chronic medical conditions at purchase and carry sufficient medication with prescriptions.
Typical timeline (practical expectations)
- Quote & policy selection: 1–3 business days.
- Application & payment: same day once documents are ready.
- Certificate issuance: within hours to 2 business days (depends on insurer).
- Embassy acceptance: immediate if certificate wording matches requirements; if not, may need insurer confirmation (1–3 days).
2) Explain policy types & key coverage elements (consultation)
We explain the main types of cover and what matters for visa acceptance and real protection:
- Medical expenses: minimum required amount (embassy may state a figure).
- Emergency medical evacuation & repatriation.
- Personal accident / accidental death.
- Trip cancellation / curtailment (useful for students paying deposits).
- Baggage loss/delay and personal effects.
- Personal liability (important for business visits).
- Cover for pre-existing conditions (declare up front to avoid claim rejection). We also explain policy limits, sub-limits (for valuables), excess/deductible, waiting periods, and territorial scope.
4) Review policy wordings & embassy acceptance
- Euro Asia reviews each policy wording to confirm it satisfies the embassy/university visa requirements (minimum cover amount, wording about medical evacuation, effective dates covering the stay).
- If wording differs from embassy requirements, we request an amended certificate or a written confirmation from the insurer stating the policy meets visa conditions.
- Advise the client which plan best balances visa compliance, cost, and meaningful protection.
6) Deliverables for visa application & our verification checklist
Euro Asia supplies the client with a visa-ready insurance pack containing:
- official insurance certificate (PDF) showing traveler name, passport number, policy number, cover limits and effective dates
- Full policy wording (in case consulate requests)
- insurer contact details and emergency hotline
- Euro Asia signed checklist confirming the certificate was reviewed for visa wording. We encourage clients to attach the insurance certificate when submitting visa docs and to keep digital and printed copies.
8) During the stay — support & claims assistance
- Euro Asia remains a contact point: we can help initiate claims or liaise with the insurer if a hospital admission or evacuation is needed.
- We explain the preferred process: notify insurer immediately, obtain pre-authorization for planned treatment when required, keep originals of receipts and medical reports.
- For business travellers we can arrange corporate introductions to insurers offering direct billing or local network hospitals.
10) Special cases & additional services
- Students on scholarship / university-sponsored programmes: we check if university offers group cover and advise on top-up.
- High-risk activities (internships, lab work, fieldwork): recommend higher medical limits and explicit activity cover.
- Business groups / corporate travelers: provide tailored group policies, invoicing to company, and account management.
- Pre-existing medical conditions: secure policies that accept declared conditions or advise on occupational exceptions.
Documents & information checklist (what Euro Asia will ask you to provide)
For each traveler: passport copy, passport bio page photo, full name and DOB as in passport, destination and visa type, university offer or invitation letter (if applicable), travel dates, any declared medical history, and photo (if insurer requests). For corporate: company letter, list of travelers, and billing information.
Common exclusions & things to watch for (we flag these for clients)
- Routine dental treatment, elective procedures, and treatment for intentionally self-inflicted injuries.
- Claims arising from unreported pre-existing conditions if not declared.
- Certain hazardous activities unless an activity rider is purchased.
- Failure to notify the insurer in a timely manner may lead to reduced/denied claims.
Pricing guidance (how premiums are calculated)
Premiums vary by traveler age, destination, trip length, level of cover, and medical history. For students on long-term study visas, annual plans are often more economical than multiple short-trip plans. Euro Asia will present clear premium comparisons and recommend the best value option.
Why use Euro Asia for travel insurance? (short pitch)
Euro Asia ensures embassy-compliant certificates, handles paperwork, compares trusted local and international insurers, assists with claims, and provides pre-departure and in-destination support — saving time and reducing visa risk.