As elsewhere, abroad doctors are good and different, but without exception expensive. That is why medical insurance is not at all luxury, but the most necessary thing on vacation.
As the doctors warn, the most common diseases when changing the climate from our resort becomes «Diseases of the respiratory organs», And simply saying — Colds. Further — Injuries. Close «Troika leaders» — All sorts of gastrointestinal disorders and skin problems (allergies and sunburns). In addition, travelers climb nervous disorders, cardiovascular exacerbations, patients with teeth and so on. The list of attacks is quite impressive. So before departure, it is not at all unnecessary to communicate with overseas doctors.
Thank good doctors! As elsewhere, abroad doctors are good and different, but without exception expensive. That is why medical insurance is not at all luxury, but the most necessary thing on vacation. Insurance, for the most part, being an elegant way of taking money from the population regarding the insurance of tourists justified for all 100! When purchasing a tourist ticket, the value of which is calculated by hundreds of dollars, costs of $ 10–15 (the average price of insurance policies of traveling abroad) almost invisible, and are a guarantee of real assistance in an emergency situation.
Rules for choosing the right insurance policy
As a rule, the purchase of a standard insurance policy in the design of visas or the acquisition of Turputovka is perceived as an empty formality. And vain. Independently choose the insurance company and buy the right policy is not only profitable, but also very useful. In the sense for health.
Only without money
Only without money. Proper Insurance Policy — Insurance policy of that company that is able to organize emergency medical care in any corner of the world so that the tourist does not have to pay cash. By the way, in some countries, for example, in Turkey, pressure is practiced on the patient so that he still pay for cash services. It is necessary to have this in mind and with any controversial issues to contact your insurers.
Who needs a franchise? Only not the customer of the insurance company. Franchise — This is not paid by the insurance company part of the expenses. Let's say a high temperature rose and you called a doctor. The doctor examined, prescribed aspirin and put the bill for $ 150. You happily contact the insurance company and discover that up to $ 200 — these are your personal problems. Now if you raise the hospital, then — Yes. Currently serious insurance companies refuse franchise. But when studying insurance conditions, it is worth paying attention to this item.
Insurance amount — It is not scary. The sum insured is the maximum amount of payment upon the occurrence of the insured event. With a minor difference in the magnitude of the insurance premium (from 0.6 to $ 1.5 per day), insurance amounts may seriously differ: from 10.000 to 100.000 dollars. The abundance of zeros is misleading. In fact, it is necessary to make aware that somewhere and 10 thousand — a lot, and somewhere and 100 thousand — «Not money».
For most European countries Insurance amount $ 30.000 is the optimal minimum. To date, almost all European countries do not give a visa without a coverage policy less than this amount. At the same time, for some of the European countries, 30 thousand — It is at least a minimum that will not save, if necessary, long-term hospitalization, transportation, carrying out complex procedures. In another case, the restriction can be $ 15.000, such as in Estonia. And this is quite enough, given the price level and territorial proximity. In most states, there are no amounts for the coverage of insurance policies, but the costs of treatment and possible transportation from this are not less. And if for a trip to Ukraine more than enough coverage of $ 6.000, then for traveling for exotic countries it is better to acquire the insurance amounts from $ 50.000. In any case, it is in an insurance company that has extensive experience in the market, you will recommend the optimal insurance program for your trip. The opinion of insurers' specialists of a serious company can be trusted: they are not less interested in not any complications.
When making the policy, pay attention to how the insurance amount is used. In some cases, the division of the Insurance amount is stipulated: so much for treatment, so much for possible transportation. Better if the amount is not divided — more guarantees that you will have qualified medical care in full.
Point that requires special study in the policy — The list of non-insurance cases. Some companies from the list of insured cases are excluded: dental assistance (or franchise), complications of pregnancy, exacerbation of chronic diseases and solar burns. Therefore, when concluding an insurance contract, pay special attention to these positions. The good insurance policy is the one in which the removal of acute dental pain and all the necessary operations during jaw injuries (without a franchise), restrictions on pregnancy time for at least 24 weeks, lack of age qualifications (possibly an increase in the insurance premium in the insurance of people over 65), Finally, no payment for the effects of solar radiation.
On the insurers are napping, and not bad!
But whatever wonderful is your insurance company and the selected policy, there is nothing more reliable in a number of life situations. With the overwhelming majority of injury most appropriate emergency assistance — iodine and leucoplasty, with pain and debris — aspirin, and in trouble with the belly — your usual medicine you used at home. It should be borne in mind that some clinics simply do not buy medicines for outpatient reception and, having visited the doctor, the patient will have to go to the pharmacy and buy an elementary aspirin. It is possible that insurers will commemorate the money spent, but time and health is more expensive. The principles of obtaining medical care are similar in many countries of the world, and hope that «there» everything is fundamentally different, not worth. Better hope for your foresight.