Last years, people have fallen in love with foreign resorts. Especially since the trips to them are cheaper than to relax on the native seas. But the long-awaited vacation can overshadow an unexpected cold or even more serious health problems. And on a foreign treatment is expensive. So that the troubles do not flew to you in a penny, you need to buy insurance.
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Policy will cover all the costs of treatment abroad
Last years, people have fallen in love with foreign resorts. Especially since the trips to them are cheaper than to relax on the native seas. But the long-awaited vacation can overshadow an unexpected cold or even more serious health problems. And on a foreign treatment is expensive. So that the troubles do not flew to you in a penny, you need to buy insurance.
Each country has its own risks
Long flights, changing time zones and weather conditions — Someone absolutely painlessly tolerates all these joy of vacation, and for someone such changes can, unfortunately, turn around disease. Well, agree, sit with temperature in the hotel room, when you can sunbathe in the sun and swim in the sea, very disappointing. Well, so that you get as soon as possible to recover — Urgently to the doctor. So for this, in a foreign land and need insurance.
Especially without the policy of you abroad and do not let.
In some countries, entry without medical insurance is permitted, and in some (as, for example, in the countries of the Schengen Agreement or USA) — No. But prudent tourists conclude insurance contracts from traveling abroad not only when traveling to those countries in which insurance is a mandatory requirement. People, unfortunately, are sick everywhere, and the change of climate or a distant flight can negatively affect the health of the traveler.
Insurance is needed primarily by the tourist — It is a key to the fact that in case of illness or accident, the traveler will receive qualified medical care in a qualitative medical institution, and if there is such a need, it will be able to return home to treat early. The expenses will take on the insurer.
Usually insurance provides a travel company, which makes you a ticket. But if you are unhappy with the offered insurance or are going to travel yourself, you will have to choose the policy itself.
The price of insurance primarily depends on the period of the action of the policy, the country and the size of the sum insured. The last two factors are extremely interconnected. As you know, Europe, where medical care is quite expensive, protects against insolvent visitors from the CIS, and therefore for Schengen and the EU countries must be at least 30 thousand euros.
Insurance amount is determined based on the adequacy of the medium-level operation and subsequent transportation of the patient home accompanied by doctors. And if $ 15 thousand is enough for relatively close and cheap turkey., That for Thailand — Already at least $ 25 thousand.
Each country has its own risks. The most problematic countries insurers consider Turkey, Egypt, Thailand, Tunisia. It turns out, Turkey — leader in colds and gastrointestinal diseases; Egypt — allergic reactions, car accidents; Thailand — gastrointestinal diseases, car accidents; Tunisia — All of the above, although tourists' streams are significantly less.
The cost of insurance depends on many factors, but, as a rule, does not exceed 1 — 2 euros per day.
Extreme is expensive
Choosing insurance, you must first of all decide on the risks that you can expect on vacation.
Need to acquire insurance protection from as much as possible risks. Speaking about any recommendations only in relation to a specific case – When it is known about what holiday is a speech: beach, extreme or combined. The question is not in the country, but in the format of the planned vacation.
Agree, if a person is not going to dive with aqualing, he is unlikely to buy polis «For divers». But if he is still not averse to admire the beauty of the underwater world, it is worth thinking about the appropriate insurance. The main and most necessary insurance program for leaving abroad — Insurance of expenses for the organization and provision of medical and medical and transport assistance on emergency testimony.
You just need to inform the Insurer at the conclusion of a contract, what kind of sport you intend to engage, this will be entered in the policy, and further if an insured event arises, you will be rendered all the necessary services. Insurance for extreme tourism provides coverage of expenses:
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rescue services that make medical transport taking into account the specifics of possible diseases;
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Free telephone consultation with a specialized doctor who knows the specifics of this or another sport, for example, a physiologist during diving.
Of course, additional risks will increase the cost of the policy, but they do not save on safety.
We get compensation
Initially, it is worth carefully examining insurance conditions. Especially Count, where it is said, as needed to behave when an insured event occurs. When PE will happen, there will be no time to understand the rules.
To receive the service, the insured calls to the service company, the phone of which is specified in the insurance contract (policy), and informs the operator number of its policy and the name. The operator sends to the insured physician or «Ambulance», or causes rescue service.
If the insured has already provided services, for example, it is in the hospital, then the service company connects to the provision of services at this stage, the operator reports the management of the medical institution that all payment of its treatment is made by the service company and the insurance company.
Timely provision of medical care and its coordination with a competent, experienced doctor contribute to the speedy to remove acute state and minimizing expenses. Services provided for in the terms of the insurance contract, the insured turn out to be free. The insurer pays directly to the medical institution.
If you pay for you yourself, the insurance company will return to you. To do this, provide the company a company for compensation, collect the originals of all documents: a medical institution accounts indicating your name, diagnosis, a list of medical services rendered and their cost, as well as documents confirming payment. But it is worth considering that all services are paid within the sum insured indicated in the insurance contract.
