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If you're planning on going away on holiday always remember to organise travel insurance for yourself and your family before you leave. If you feel that travel insurance is unnecessary Isco España Camiseta , this may help to put it into better perspective for you: when you're at home, people are usually backed up by house and contents insurance David Silva España Camiseta , medical insurance, vehicle insurance and often life insurance too but as soon as one removes themselves from their comfort zone and crosses the border Marco Asensio España Camiseta , one often forgets that their insurances are no longer able to cover them. Having travel insurance while away on holiday is just like having the same security you have while you are at home, simple.

You may encounter many sticky situations while you're away Rodrigo España Camiseta , particularly in a second or third world country and travel insurance can assist you in most situations. For example, in Africa many countries have inadequate medical facilities and a lack of properly educated medical professionals. Run down transport and dire living conditions are real dangers to consider. There's the wild life which you need to look out for and of course petty criminals and poverty-stricken pick pockets. With all this in mind Jordi Alba España Camiseta , it is not to say that Africa should be avoided. Africa is a beautiful continent and can leave life-changing impressions on those who visit her.

Travel insurance is particularly vital when it comes to the medical treatment you stand to need. A person's life is their most valued possession and when faced with danger they will do anything to survive. There will always be life-threatening dangers and while travelling, in the unlikely event of getting killed or dying Iago Aspas España Camiseta , certain actions need to be set into place to prevent your family from falling deep into debt over your illness or death. If you are away from home and get sick, travel insurance can offer vital support and allows for you to receive as much medical attention as you need.

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Terms and conditions that are supplemental to your travel insurance should always be read in case you end up having to claim. This will ensure stress-free compensation which you stand to lose if you don't meet the terms and conditions adequately. The claims company has every right to deny you your compensation over a simple invoice or police report that should have been acquired on the scene. For instance, if you are sick and are seeking compensation Nacho Fernandez España Camiseta , you must prove that you have been treated by licensed medical personnel by providing your insurance company with authentic documentation and receipts.

Travel insurance is your most important travel accessory and it is your responsibility to ensure that you have bought a suitable package which you fully understand.

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SEOUL, Aug. 31 (Xinhua) -- Hanjin Shipping, South Korea's biggest shipping line, on Wednesday filed for court receivership after its creditors refused to provide additional financial support to the debt-ridden company.

The court filing came after the board of Hanjin decided unanimously to apply for receivership at a meeting earlier in the day, according to Yonhap news agency report.

The state-run Korea Development Bank (KDB), Hanjin's main creditor, said Tuesday that the shipper's restructuring plan was not enough to survive amid an industry-wide slump, caused by falling global trade.

Hanjin entered a voluntary debt-rescheduling plan in May to resolve its cash shortage, which creditors had expected to increase to as much as 1.3 trillion won (1.2 billion U.S. dollars). The troubled shipper submitted a new restructuring plan to creditors, which unanimously viewed as insufficient.

The South Korean shipping industry has been grappling with a prolonged downturn in global trade that led to overcapacity and lower freight rates. Charter rates on leased vessels were fixed at a high level, increasing operating costs amid falling revenue.

Hanjin, the world's seventh-largest container shipping line by capacity, reported a loss of 474.1 billion won (425 million U.S. dollars) in the January-June period, turning into the red from a 103.3 billion won profit a year earlier. The company posted losses for four of the past five years.

Falling orders along with continued losses resulted in an increase in debts. Hanjin had a total debt of 6.1 trillion won as of end-June.

Hanjin shares were suspended on Tuesday after plunging almost 30 percent in Seoul trading. The shipping line is affiliated with Hanjin Group, the 10th-largest South Korean conglomerate that operates the Korean Air Lines.

Finance Minister Yoo Il-ho told a meeting with economy-related ministers that Hanjin's entrance into receivership would have a limited impact on the financial market and banks' financial healthiness as most of losses were realized in advance.

Yoo said the court receivership was in line with the government's principle that there will be no further funding to debt-ridden companies if they fail to resolve liquidity shortage with their own efforts to survive.

The South Korean government has led a restructuring in troubled shipbuilding and shipping industries, which were hit hardest by the protracted slump in global trade.

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