On the resorts ride rest, and not sick. Therefore, you don't want to think about possible colds and injuries. However, travel agencies are reminded that life and health should be insured. What gives us insurance? Read in this article.
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On your risk and someone else's fear
On the resorts ride rest, and not sick. Therefore, you don't want to think about possible colds and injuries. However, travel agencies are reminded that life and health should be insured. What gives us insurance? Tells Doctor of Economic Sciences Yevgeny Gorkov.
Do not buy — Own more
Countries where medical care — expensive pleasure, when receiving a visa, requires necessarily the availability of the policy. This is USA, Canada, Australia, Japan, the whole Schengen. Do not require insurance Turkey, India, CIS countries… But! Medical care and there is not cheap. In order not to pay for it from your pocket, it is necessary to insure in any case.
Question price
To form a visa to the Schengen countries, you must be insured by at least 30 thousand. Euro.
Standard insurance will cost less than 1 euro per day. For the USA, Canada and Japan there is an increased coefficient — 1.8 times. In addition, in most insurance companies, people over 65 pay at double tariffs, and those for 70, or do not insure at all, or insure the triple tariffs. Some companies do not insure children up to two years.
But for children under 12 years old discounts for 10-50%.
If you are going to do safaris, mountaineering or diving, standard insurance will not be enough. These cases have special insurance conditions.
Do not write to the insurance amount — will have to pay from your pocket. Or ask for help state. But the embassies and consulates usually only help to transport victims of victims during catastrophes or in automotive accidents.
Read the contract carefully
Insurance is not paid for the treatment of venereal diseases and injuries obtained in a state of alcohol or narcotic intoxication. Insurance cases are not recognized: exacerbations of chronic, mental illness, suicide attempts, costs of treatment in sanatoriums, cosmetic and plastic surgical operations, all dental care, with the exception of emergency.
Little tricks
If you, without having special insurance, decided to engage in snorkeling (diving with masCoy and tube) and as a result they got otitis, do not rush to frankly with a doctor or insurance agent about the reason for your illness. Otitis can be earned on «legal» Basins, splashing in the children's pool. Here on this and stand.
The same applies to burns derived from contact with corals during diving. Corals can be in the bathing area.
But if a barryravma will happen during diving with aqualing, and this injury requires expensive and long-term treatment, convince the insurance company that you got it in the pool, will not succeed.
Alas, fell ill
How to act if the insured event is still coming?
First of all, it is necessary to apply not to a doctor, but in the insurance company. In the insurance contract, telephones of the insurance company in the host country should be indicated. Being in Turkey, a person should not call Moscow.
You need to clearly inform the dispatcher and the name of the insured, the insurance policy number and the code of insurance program (if the code and series are specified). If the Insurance is group, let it be written on whose name. Describe the circumstances of what happened, the type of assistance required, please the location of the insured and the contact phone number.
Next, it is necessary to strictly follow the recommendations of the insurance company operator. Tourist should contact that hospital or to the doctor who will indicate. For appeal to another address will have to pay from your pocket.
Wait for a response
What if the doctor of the insurance company does not answer the call?
The algorithm of your actions in this situation should be like this:
- Call to the insurance company to obtain the coordinates of the desired doctor,
- Call doctor from the room is fixed at the hotel administrator,
- You appeal to the administration with a request to call this doctor,
- In case of failure, ask the administration to call another doctor and register unsuccessful attempts to find the first.
In the footsteps of Bender
For several years now in Turkey, several robbing for Russian insurers of schemes work. Sometimes the doctor offers a tourist to join him in a criminal collusion. Medical documents are issued for several hundred dollars, even a thousand, and the doctor pays an imaginary patient a couple of hundreds in cash. Insurers know about it, dawn and if the doctor and patient's conspirass will be established, cause the court to court.
