For a whole year we are waiting for this, we dream, save - and everything is just to wake up with a happy sensation: vacation began! In order not to overshadow this joy, you must take care not only about equipment, but also about possible health problems, because we usually change the climate sharply, especially when traveling abroad.
Content
How to use MedPolis abroad?
For a whole year we are waiting for this, we dream, save - and everything is just to wake up with a happy sensation: vacation began! In order not to overshadow this joy, you must take care not only about equipment, but also about possible health problems, because we usually change the climate sharply, especially when traveling abroad. Medical insurance policy, in any case, definitely does not hurt.
Errors when using the policy
What mistakes most often take tourists to use a medical policy abroad? The main mistake of tourists is a violation of the principal condition of the insurance contract: before contacting the doctor, contact the phone indicated in the Policy, with a 24-hour facilities of the service company.
If this call is made on time, the coordinators of the service company organize and pay the qualified medical care needed in this situation. If the treatment will have to pay independently (some doctors, being practically monopolists in a particular region, wish to receive payment of their services exclusively in cash), the preliminary coordination of its appeal will greatly facilitate the reimbursement of expenses from the insurance company after returning. Keep in mind:
- The cost of calls to the insurer or its representative to the service company is subsequently reimbursed by the insurer upon presentation of confirmation documents (accounts);
- The insurer always limits the maximum amount of insurance indemnity (up to zero) if the appeal for medical help was not coordinated and approved by the Insurer.
In which cases, the insurance company may refuse the tourist in the provision of medical care? If the deterioration of health status happened as a result of an event, which is indicated in the policy as an exception from the insurance coverage (the costs of such assistance are not covered by the insurer).
Carefully examine the terms of the insurance contract that are printed on the form of your policy. For example, the injuries obtained in a state of alcoholic or drug intoxication, acute states in a chronic disease, which was insured knew in advance. Of course, no one will throw you - the service company will help in organizing medical care, but pay, according to the terms of the insurance contract, the tourist will have to be from his pocket. Medical insurance can not be useful and if the territory where the insured is closed for civil commercial services and all activities to assist victims are conducted by special state structures.
In this case, the insurance company will not help anything.
Change route
If the tourist independently changes the route, for example, it goes instead of one country to another, whether his polis is valid? In solid insurance companies, insurance is not made on a specific country, but by the geographical area.
For example, our state ROSNO has such zones:
- Russia and other CIS countries;
- All countries of the world, excluding the CIS, USA and Canada;
- Europe, including the countries of the Schengen Group, except the CIS (this option was introduced solely due to the ultimate wishes of the Consulates of Schengen countries who wanted to see a specific record of his reality in all countries of the Schengen region);
- The whole world except the CIS.
Displacement within one geographic area do not require the replacement of the insurance policy. But if a specific country, a change or expansion of the route may be recorded in the policy as an insurance area, can entail the refusal to cover the costs of medical care.
What to do if the insurance policy is lost, spoiled or stolen? With the loss of the insurance policy, the insurance company (in Rosno it is free) in circulation of the client issues a duplicate. Duplicate can get both the insured itself, if he has not yet drove on the trip and his representative. For help, there is no need to represent anyone the original policy. Enough to know the telephones of the service company's panels, the policy number and its validity period. The validity of the policy is confirmed by the information contained in the insurer database and the service company.
