Crossing the border of the Motherland without a medical insurance policy - the top of the carelessness. But what to do, if for some reason you got into trouble, and you do not have insurance?
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Why do not need medical insurance for tourists
Russian «AB» applies to related to their health. However, neglect of concern about himself in Russia is usually ancible additional, but accurate financial spending. If it comes to health when leaving abroad, there are much more dangers.
First, some visa centers and consulates simply will not give you a belly visa if you do not present a medstrash. Your health problems while traveling becomes problems and for the country host, which would prefer not to take responsibility for your well-being.
Secondly, if you go abroad without insurance, you have a good credit card with you with unlimited (or very large) limit. Russian prices for medical services are ridiculous compared to how much you pay in Europe, USA and any other country. Therefore, it makes no sense to regret several hundred rubles before traveling for a week in Paris. If you are touched to get help, you will have to fork out for a lot of thousand euros.
Thirdly, often on the border of the state in which you enter, ask to show the insurance policy. If it is not, you may refuse to enter. Spoiled vacation missing tickets...
Features of medical insurance
Medstrashovka do simple. Any insurance company, by which you pass every day, will make you a document, according to which you can get medical care in the country of your vacation. Of course, it is better to trust large insurance companies that worked for many years in the Russian market. But it's not only in their reliability. Overseas clinics with which they have a contract, too, more than that of small. So — What happens to — help you get faster.
How does medical insurance for tourists work
Registration of medical insurance means you:
- Get the right to receive medical care for the amount of insurance (minimum now — 15 thousand dollars / euro);
- have a minimum of problems buying service insurance. Large companies offer the following simple scheme. If you fall into the hospital, its representatives call to the insurance company that issued the policy to you, receive confirmation that the insurance will pay for your treatment costs (within the amount specified in the contract), after which you receive assistance;
- Partially take on the organization of your treatment. These are the so-called compensatory insurance policies that differ in extremely low cost. In this case, you pay all medical procedures themselves, and then, already at home, place an insurance company. If you have saved all the documents received in the clinic (with prints and signatures), then after checking them, you will receive money from the insurance company.
What to do if there is no insurance
If for some reason you got sick (or an accident occurred), and you do not have the insurance policy, do not panic. Without help you will not leave — There would be money. True, as we have already written, they are really very considerable.
And what if you are in trouble, there is no money, and medical institutions refuse you to take on such conditions (which is very likely)? Remember that you are a citizen of his country and contact the Russian Embassy. The embassy is obliged to support you in a difficult situation. Of course, the cash costs will have to compensate anyway, but at least not right today, and you will be alive.
Of course, some not taking care of insurance in advance trying to circumvent the law. For example, if the tooth was painted, you can buy an insurance policy over the Internet, survive the day, and about the detentious pain, as a suddenly started 24 hours later. But even with such a planned trick, you may not believe. Formally refuse are not right, but the attitude to you can be very and very biased. By the way, the policy purchased online and printed, has the same power as decorated in the homeland in the office of the insurance company.
But it is better, of course, to reinforce — in all senses. Having bought medical insurance, you will be sure that you will pay to the Motherland in the difficult case, will have the first help anywhere, will not leave on the street if you break the leg.
But you need to take care of yourself not only by visiting the insurance company. If you know that you have a stomach disorder, migraine or some other health problems, take a first-aid kit. Pharmacies in other countries are, but the list of non-pressed drugs is so small that you can not buy a simple drug, which in Russia is sold free.
