The last thing we think we are going on vacation - a sudden illness or injury in the resort. That is why most Russian tourists do not think about a set of services included in the insurance policy, and compensation in a critical situation. Read about the underwater stones of standard insurance policies.
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Non-alcoholic insurance
Most Russian tourists think medical insurance — This is formality
My girlfriend Anna went with her husband and children to Turkey. We dreamed about the holiday all year, so we did not save on the hotel and the food, but I didn't think about insurance. On the third day, her husband began the aggravation of diabetes, and it urgently had to be taken to «Emergency» in hospital. Anna called the telephone indicated in the insurance policy, and what was her surprise when it turned out that the aggravation of diabetes was not included in the insurance program! In the hospital put the bill — about 15 thousand dollars. Such money from the family is not that with you, but in principle no. Anna phoned all friends, the benefit of them agreed to help and sent money. Husband's health now does not threaten anything, but for a trip to Turkey will have to pay long.
Firm knows where cheap
Usually the insurance policy is chosen not to tourists, but tour operators. They are looking for the cheapest insurance options or a set of mandatory services for insurance services, which provide for a tourist country (as a rule, countries do not issue a visa without an insurance policy). The minimum policy in all major insurance companies includes medical transportation, emergency dental care, payment for medical expenses within the established amount, the organization of the return of the tourist after a long-term hospitalization and evacuation of children left unattended.
However, there are a number of cases when the Insurance Company refuses to compensate for the cost of treatment. Insurers, as a rule, do not compensate the costs of the client associated with the treatment of chronic diseases and their exacerbations in the period of travel. The only thing that can cover the policy in this case, — These are expenses for emergency transportation and first medical assistance aimed at saving the life of the insured, the relief of acute pain. True, even this company will allocate not more than 1000 dollars. In addition, the insured then will have to prove «Critical» Situations and the degree of risk for life. In case there were no threats to life, the insurer is entitled to demand allocated 1000 dollars back.
No discount climbers
The minimum cost of the standard policy, which travel agencies usually attached to the ticket, is 300-500 rubles.
In addition to chronic ailments, various kinds of infectious and viral diseases are not included in it, which are so common in exotic countries. Most likely, Policy will cover only the treatment of colds, otitis and minor bruises, because medical care in many countries — The pleasure is not cheap. Helping, for example, after a solar blow with a temperature, you may refuse to transport and treat injuries obtained during diving, rafting, mountaineering or alpine skiing. As a rule, if the tourist plans to engage in traumatic or dangerous sports, the tour operator will suggest expanding insurance. It will be twice as expensive to cost such a policy, the coating amount and the number of cases at which treatment is paid.
Recently, not every month, messages about accidents of excursion buses with Russian tourists appear. In these cases, insurers pay for treatment and, if the coating limit is not exceeded, on arrival to their homeland they pay the affected material compensation. Usually these provisions are also identified by the insurer especially.
If, as a result of an accident, the insured will receive disability or perish, then the maximum amount of payment will be about $ 5,000, also the insurers will pay the costs of returning the victim or his body to their homeland. Extended insurance allows you to increase compensation in critical cases, and the maximum amount can choose the insured itself. Of course, the more the amount, the more expensive the policy will cost.
Alcohol and sushi are excluded
In addition, the insurance contract has particularly spelled out the procedure for payment of telephone conversations in a critical situation. If the rest is scheduled in Africa or Arabia, where a minute of conversation from the mobile will cost a Russian tourist in 100 rubles, it is better to choose an insurer who undertakes to cover these expenses.
It will not be possible to compensate the costs of injury treatment, if the insured was in a state of alcohol intoxication — Many companies prescribe this item separately.
If we consider that our compatriots are not averse to the holidays on vacation right in the morning and go to the beach Beach, it turns out that all dislocations and fractures during, such as beach volleyball games fall into a penny. According to Ruslana Niamatova, the cost of treatment of broken hands in resort areas reach $ 6,000.
Special article — poisoning. Going to China or Thailand, tourists with pleasure eating national food. Unusual organism can respond to unusual ingredients or seasonings. Experts recommend paying special attention to treatment in the field of gastric diseases, since often insurance does not apply to them.
Holiday insurance
Insurance on vacation is drawn up when buying almost any tour. Without the policy, many countries do not issue a visa. Standard policies do not cover injuries associated with water and skiing. Do not apply to injuries resulting from alcohol intoxication. The price does not include the treatment of exacerbations of chronic diseases (diabetes, asthma, cardiovascular diseases), as well as dentistry. Treatment applies to colds, meal poisoning (not operating in African and Asian countries), fractures. The amount of treatment is defined in the insurance policy. Prices for medical services, as well as their quality differ in different countries.
The most common malaise on vacation
- Fractures
- Dislocation and stretching
- Gastritis exacerbation
- Otitis
- Sunny burns
