Insurance for travel when traveling abroad and across Russia. Terms of registration

Medical insurance provides an opportunity to receive medical care in any country. The need for it can arise not only for the extremals, but also for lovers of beach and cognitive recreation. More details on how to make out travel insurance, what policies exist - read on.

general information

Medical travel insurance is valid in all continents. If the tourist has not previously issued a policy, then all the costs of treatment abroad, he will have to compensate for himself. In some cases, the bill can be several thousand dollars.

If tourists go on trips in large numbers, then the travel agency handles the registration of the policy, and its cost is already included in the price of the voucher. Travel insurance for Schengen is a mandatory requirement for obtaining a visa. Usually the policy covers such insured events:

• Early repayment;
• Provided medical assistance;
• Dispatch of medicines;
• Repatriation in case of illness, accident;
• Transportation;
• Emergency dental care, etc.

A detailed list of insurance risks is prescribed in the contract. Before signing the document, the company should be informed in detail about the state of their health. Insurance will not be paid if:

• The tourist got sick before the flight, and on vacation he got sick.
• There was narcotic or alcoholic intoxication.
• There was a non-compliance with safety regulations.

Structure of the policy

Independently to understand the scheme of insurance for travelers is quite difficult. To begin with, we will consider the terms that are prescribed in the contract:

• A policy is an insurance contract.
• The policyholder is the person who buys the policy (the beneficiary).
• The insurer (UK) is an insurance company that compensates for all costs of treatment.
• The insured event is an event prescribed in the contract, under which the payment of funds is provided.
• The sum insured is the maximum amount that the UK is willing to pay under the contract.
• Assistance - a service company, a representative of the UK in the country where the tourist is staying.
• Franchise - the amount of funds that will be compensated by the victim himself. For example, the policy provides for a franchise of $ 30. The account for medical services is 45 dollars. Of these, the company will return to the client 45-30 = 15 dollars.

In the event of an insured event, the policyholder must call the assistant to receive further instructions. The invoice from the hospital for the medical services rendered is sent immediately to the insurance company. In rare cases, the customer has to pay all bills himself. Then, upon arrival, he must file an application for compensation of all expenses.

Kinds

Travel insurance may include:

1. Standard insurance contract for emergency assistance and sending the patient home.
2. Accident insurance is more often issued by lovers of outdoor activities. If the resulting injury leads to a loss of ability to work, the compensation can be tens of thousands of dollars.
3. Protection in case of loss (damage) of luggage during natural disasters, accidents, fires.
4. Insurance in case of cancellation of a trip due to illness of the client or his close relative, refusal to grant a visa, damage to property. In this case, all the costs associated with preparing for the trip (payment of air tickets, housing, medicines, etc.) will be compensated.
5. Liability insurance in case of causing damage to others.

Schemes of work

Insurance is a way to ensure the safety of citizens. Reimbursement can be carried out in two ways:

1. As part of the compensation scheme, the tourist pays all expenses for treatment on his own, and upon returning home presents all the accounting documentation for receiving the payment. Such a policy should be purchased in case the insured person has sufficient funds to pay all expenses.
2. As part of the service program, the insurer concludes a contract with foreign companies for servicing customers abroad. In this case, the payment of expenses is carried out immediately upon the occurrence of an insured event. This compensation scheme is more acceptable for tourists.

Cost

When preparing the policy, the following factors will be taken into account: gender, age of the client, duration of the tour. The price of travel insurance depends directly on the border of the cover. The amount of compensation, which will cover all costs for medical care, can be several thousand dollars. A minimum policy will cost $ 5 per day for the duration of your stay in another country.

Typically, companies offer standard programs for customer insurance, which can include additional risks and conditions. Some companies sell the base policy only with additional options, for example, oblige customers to arrange insurance against accidents.

Of great importance is the time and place of the policy. If the customer has paid for the insurance, already being abroad, the policy is considered invalid. In addition, the insurance is valid only in the territory of the country, which it indicates. If this is one of the countries of the Schengen zone, then the policy effect automatically extends to its entire territory.

And, of course, you should buy the policy from companies with a high reliability rating who have proven themselves in the market.

Features of policies

Travel insurance is not a prerequisite for leaving the country or outside the city. It makes it possible to save some money on medical expenses. The exception is the Schengen countries, in which the presence of a policy is mandatory for the issuance of a visa.

To buy a basic policy, you do not need to look at the travel insurance rating. The cost of services for all companies is approximately the same, and the policies are presented with clear requirements:

• The period of validity of the insurance must cover the entire period of stay in the country + 2 weeks;
• Insurance is issued without a franchise, that is, all costs for payment of medical services must be paid by the insurance company;
• The minimum amount of compensation - 30 thousand euros.

Some countries accept hand-written insurance. It is allowed to apply one policy to all members of the family. To make a contract, you need to provide a passport and travel information.

The minimum insurance for traveling in Russia is the MHI policy. But it covers only the costs of providing emergency medical care. To ensure that the policy covers the risks associated with active recreation, you will have to complete a full insurance for travelers abroad.

What the policy covers

With basic insurance, you can apply for a policy, but if you contact a doctor, you will have to compensate yourself. Insurance for traveling abroad is a designer. You can save and buy one spare part or order a set of figures and build a castle. So is the case with the policy. You can issue a paper for a visa or buy a useful tool.

How to pump a policy

To make travel insurance abroad really useful, you should add additional options to the base policy:

• A trip to the sea - help with sunburn.
• Tracking, surfing, riding, hydrocycle - insurance for outdoor activities.
• Ski resort - except for sports insurance, add also search and rescue operations and evacuation.
• Chronic diseases - help in exacerbating the chronicle.
• If during the rest of the trip a motorcycle trip is planned, you need to buy the eponymous policy. Compensation will be paid if the driver was riding in a helmet and had the rights of category "A" with him.
• Travel insurance for pregnant women covers the costs associated with complicating pregnancy. The closer the birth, the less chance that it will be possible to formalize the policy. Most often, the insurance contract is concluded if the gestation period is 12-24 weeks.
• Help with alcoholic intoxication is not provided by all companies. In this case, compensation will be paid if intoxication has caused the incident. A lot in this case depends on the doctor. He must determine the adequacy of the patient. The test for alcohol content in the blood is rare.
• If you want to secure your things, add baggage insurance. If the suitcase is lost, the UK will pay 500-2000 dollars. For comparison, compensation from the airline will be $ 20 per kilogram of luggage.
• Insurance for traveling abroad by car will cover the cost of restoring the vehicle after the trip.
• The delayed flight insurance provides for the payment of compensation for every hour of waiting, starting with the fifth.
• Damage, accidentally caused to another person, will cover the policy of protection of civil liability. If the insurer, while in a sober state, accidentally crashes into another skier, the UK will pay for the treatment of bruises and buy new skis to the injured.
• If the trip is planned in advance, you should buy a policy in case of not leaving abroad. The cost of air tickets, hotel reservation and other services will be compensated if the client falls ill 2 days before the trip or does not receive a visa.
• Additional funds for the restoration of health can be obtained under the policy from an accident. If on vacation a citizen breaks his leg, then, apart from treatment in the host country, he will receive additional compensation upon rehabilitation upon his return home.

What to do to get a refund

Insurance company (UK) will cover the cost of treatment only in those medical institutions with which it concluded the contract. Therefore, in the event of an insured event, you need to call the service company at the specified telephone number in order to get contacts between hospitals and doctors. It is necessary to describe in detail to the dispatcher the situation that has happened, dictate the policy number and telephone number. According to these data, the client is identified, which makes it possible to determine the amount of assistance. If emergency medical care was provided before you could call the UK, you need to provide a policy to the hospital staff and try to call the dispatcher.

Travel insurance will work if the client fulfills all the conditions prescribed in the policy. Therefore it is necessary in advance:

• Keep the policy in your phone so you do not have to carry it with you at all times.
• Connect roaming or buy a local sim card so you can quickly connect with the UK. In the hotel you can use a Skype or a call from the reception.
• Read the terms of the contract in advance, in order to know when to contact the company, and when you need to rely only on yourself.

In the event of an insured event it is necessary:

• Call the assistance company at the telephone number specified in the policy. Tell the operator the policy number, your phone number, location, the essence of the problem. If you need medical help, the operator will give the address of the hospital and send a letter of guarantee to confirm the payment for services. In some cases, the decision can be made within a few hours. In critical cases, you need to call an ambulance, and then call in the UK.
• In the hospital, the administrator must make sure that the company sent a letter of guarantee. If this did not happen, you will be asked to pay in cash at the hospital or leave your passport as a security. You can not do this. You need to call an assistant and understand the reasons for the delay.
• At the first call to the UK, you need to agree with the operator on your procedure.

If something went wrong, it is necessary:

1. Be ready to fully pay all the expenses yourself. In this case, upon returning home, the company either compensates for all expenses, or is completely repaid. The second case is possible if the policyholder has not notified the company about the occurrence of the insured event.
2. If you do not agree with the decision of the assistance and paid all the expenses yourself, then upon arrival you must contact the UK within 30 days for compensation. Travel insurance for VTB will be paid if in addition to the application will be attached:

• Policy
• Medical documents in which the patient's full name, diagnosis, date of treatment is indicated.
• Direction for research.
• Invoices on company letterheads, in which the services provided are listed, and payment confirmation is provided.
• Recipes from doctors, bills (checks) from a pharmacy.

Travel insurance "Rosgosstrakh" additionally compensates bills for telephone calls and taxis, if the insurer appends copies of these documents.

Conclusion

Travel insurance is similar to the Lego constructor. The basic package is suitable for visa applications only. If an insured event occurs, it will not be possible to get normal compensation for it. The policy should be collected on "bricks", that is, to increase the amount of coverage, based on the nature of the trip.