Going on vacation, we rarely remember about insurance - because the duties of the tour operator enters us to provide it. But, most likely, it will be a policy with minimal insurance protection, not taking into account individual risks, because we choose the tour at the price.
Content
Policy on the road
Going on vacation, we rarely remember about insurance - because the duties of the tour operator enters us to provide it. But, most likely, it will be a policy with minimal insurance protection, not taking into account individual risks, because we choose the tour at the price.
According to insurers, nine out of ten of our tourists traveling abroad with traveler insurance policy do not bother to familiarize themselves with the conditions on which they are insured, and remember the policy only when something happens already. And then it turns out that the cost of payment of services of a doctor and drugs insurance does not cover. About what to pay attention to when choosing insurance, especially if you are traveling with children and your path does not lie to the countries of Europe - our 10 tips.
Pay attention to the size of the sum insured amount of the policy. It should not be less than $ 15 thousand., If you are planning to spend your vacation in Turkey, Egypt, Thailand. However, in some cases, this is not enough. At the same time, insurance for $ 30 thousand. for 10 days will cost only 100 rublesLei is expensive.
Exceptions from the program. If the policy is very cheap, it may not cover emergency dentistry services or cases of exacerbation of chronic diseases, solar burns.
Non-persecutive cases
Non-persecutive cases. The insurer may remove responsibility for risks in the sea: stepped on the sea hedgehog, grabbed a poisonous fish, although most companies still have insured cases. Injuries obtained during cycling and rollers may include.
Risk set. Usually, insurance covers emergency medical care services - payment of medicines, equipment, medical transportation costs, payment of telephone conversations with the Assistance company, the consequences of accidents, natural disasters, the risk of terrorism.
If you are going with a child, pay attention to the presence of such an item as «Return of juvenile children in case of illness (injury) accompanying them adult» at the expense of the insurance company.
Franchise is better excluded, although it saves in the cost of the policy. Its size is usually $ 30–50, but they will need to make them when contacting help.
Additional risks. Insurance should be envisaged to visit a close relative in an emergency, the possibility of his residence in case of hospitalization of the insured, legal, administrative assistance. Question price - Additional 100 rubles for 10 days of stay.
If it became necessary to consult a doctor, it is necessary to contact the phone from the assistant systemreferred to in insurance. Telephone negotiations by the insurer in this case will be paid, it is necessary just not to forget to make a bill.
If you yourself consult a doctor, then the costs may not pay. Usually this item is separately negotiated in the policy (for example, no more than $ 250–500. Turkey may be an exception), with the insurer submitted documents must be correctly decorated.
Without special needs, do not risk, for example, do not swim at night in the pool (standard exception from insurance coverage). And remember that the insurer may refuse to pay injuries received by drunk resting (the state of alcoholic intoxication is another mandatory exception).
