In everyday life, we rarely think about those cases that may cause damage to our lives, health or property. But today people trying to reduce possible losses with insurance, becomes more and more. Well, if your trip is organized by a tourist company, which by law is obliged to take care of the insurance policy. On the other hand, whether all this insurance takes into account, and what to do those who travel on their own?
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Holiday Insurance
In everyday life, we rarely think about those cases that may cause damage to our lives, health or property. But today people trying to reduce possible losses with insurance, becomes more and more. And what we know about insurance of persons going to travel with different goals? Well, if your trip is organized by a tourist company, which by law is obliged to take care of the insurance policy. On the other hand, whether all this insurance takes into account, and what to do those who travel on their own?
The insurance policy proposed by the consumer includes the minimum range of insurance services. This policy guarantees emergency medical help, payment or compensation for the traveler costs for medical or other assistance that is indicated in insurance. For an additional amount you can expand the range of insurance services. Do not forget to check, the services of which insurance company uses your travel agency. The more wider you want to make a circle of insurance claims, the more Resonate to contact the insurance company. Do it all the more necessary if you are an independent traveler.
What can you be offered if you wish to go abroad without the help of a travel agency? With whatever purpose you did not go – Tourism, work, training, rest – without «International Insurance Policy» Difficulties may arise immediately upon the occurrence of the insured event.
Insurance cases, experts call the events stipulated by the insurance contract, with the onset of which the insurer's obligation arises to pay insurance compensation. When an insured event comes, you just need to inform about it in your service company, which will fully instruct you, and experts will monitor the quality of the assistance provided. If suddenly you did not get through, then referring to help yourself, do not forget to take all documents confirming your expenses to then get compensation.
List of unforeseen expenses
List of unforeseen expenses of the insured person standard. Here are some of them:
- Costs for treatment caused by an accident that occurred abroad, or a sudden disease and an exacerbation of chronic disease;
- Transportation to the nearest medical institution;
- expenses for medical facilities for the prescription of the doctor;
- expenses for emergency dental assistance;
- costs for forced repatriation in the event of death;
- Legal or administrative assistance costs.
Insured, using a car, can compensate for special assistance costs. You may also insure from various inconvenience while traveling. You can insure your luggage if you are afraid that it will be lost, stolen or damaged. Do not forget that on some things (money, jewelry, antiques and t.D.) incoming in your luggage, insurance will not spread.
People are insured and from unbearable. Prevent you in time you may fail to issue a visa, the death of a relative, not
Shoulderful, emergency medical care (like appendicitis or poisoning). Remember that you may refuse to pay such a kind of insurance if you previously received a refusal to issue a visa if you have chronic diseases that are simply intensified not in time and t.D. In Russia, the insurance against unbearable can be popular as much as strong faith in the ability of the consumer to prove its right.
The choice of one or more programs depends on your desire and willingness to make your trip more calm and comfortable. Insurance companies and those who prefer to travel in their fatherland, because travel companies do not always offer insurance for vacationers in the south.
Remember that there is quite a few exceptions from insurance coverage. Your claims will not be taken into account if you participated in civilian unrest, riots, wars and suffered from this if you have difficulty in dealing with amateur sports (water skiing, scuba diving, mountaineering, jumping from springboard, figure skating, cycling, hunting, fishing, equestrian sport and t.D.), which you specifically did not warn your insurer and T. D. The question of sports, especially extremal, be sure to let you down, and do not ignore it in your interest.
According to the head of the insurance society insurance department «Standard Reserve» Irina Pokrovskaya, due to the popularity of diving, all divers are offered a special product, thanks to which not only life and health is insured, but also a diver baggage. There are programs for diving instructors. The quality of the assistance provided ensures the success of this insurance.
Do not forget that only a special mark of classes to other extreme sports will help to compensate for unforeseen expenses.
On an exciting of many, the question of insurance costs can be answered definitely only after selecting the sum insured, the insurance program, insurance period, the country of stay and exercise of the Insured person during the journey. Children and students receive 25- and 20-valuable discounts.
But persons over 65, people with disabilities I and II groups and amateur sports persons will add a raising coefficient. Children under a year are also considered to be transported on long distances risky, so sometimes difficulties may arise with their insurance. The term of insurance for traveling abroad is set not more than one year.
For insurance, you will need: passport, if you leave abroad, or a passport of a citizen of the Russian Federation, if you travel in Russia. So that the salvation of drowning does not turn into only their hands, take care of helping in advance, and your journey in any season will be safer.
