Health insurance for tourists, perhaps one of the most important documents in the trip. After all, hotel, tours, and other components of the tour only affect and mood, and travel insurance can save the health, and perhaps life. On health insurance, and tourism will be discussed in today's blog.
On the territory of the Russian people provided medical treatment policy. In case of emergency you can call an ambulance or go to private clinics, where everything can be explained in their native Russian language. This all used to and travel medical insurance is seen as another paper in the travel package. However, overseas anything can happen: an accident ("fell woke up - gypsum"), the poisoning of food or water, appendicitis, severe cold ... But if you can explain at least in English, what's bothering you? And even if you can - if you are ready to pay for the same European standards for the reception of a doctor and medical care? In the case of health problems, medical insurance for tourists is just the most necessary documents.
Price policy for the tourist is usually 1-1, 5 cu per day per person. The sum insured in this case varies generally from 15 to 30 thousand euros or dollars, depending on the country of destination. It seems that money is tangible, but they covered?
The insurance cover is usually composed of the following positions:
- The costs of necessary medical first aid,
- The costs of medical transportation,
- Repatriation of body in case of death of the insured,
- The need for early return of the insured in case of an emergency,
- Stationary observation and accommodate up to healing,
- The need for evacuation of children accompanying the insured,
- Visit to a third party in an emergency,
- Provision of legal aid,
- Providing administrative assistance: transmission of urgent messages when the insured event.
Simply put, the standard insurance will provide first aid in case of emergency . To poison or stepping on a sea urchin - you will cause the doctor will give pain medication or other medications needed . Appendicitis - cut out and hold on in a hospital exactly as long as you can write down and no more days . The insurance company will also assume the international negotiations on emergency phones, as well as legal fees (for example, if you were traveling abroad to rent a car involved in an accident where people are injured and you) . On the length of hospital stay, treatment beyond the statutory, rehabilitation, complex operations, dental care can not count . True, there are the so-called "extended coverage" when the list of services includes emergency dental care . Emergency - a keyword that is to remove a tooth or put a temporary filling, without prosthetics and other complex procedures .
In extended medical insurance for tourists I want to dwell . In some cases it even needed? Of course, when planning a trip to engage in any extreme or not sports . Surfing, skiing, skydiving, horseback riding, etc. . P . - It all involves drawing the enlarged policy . It costs more than the standard (2-3, 5 y . e . per person per day), but in case of injury "works" better . Based on standard policy fractures and dislocations, resulting in extreme entertainment can not pay . It's not just about surfing or skiing, even driving on "banana" on the Turkish beach can be regarded as an insurance company active . Advanced prescribe policy for sport is not necessarily, everything is at the discretion of the tourist . The exception is Austria, which is when applying for a visa in the winter requested insurance coverage to ski, even if you go for a walk to Vienna . Apparently, there were many such "fans in Vienna" with the skis in the luggage, so make one rule for all, without exceptions .
Also unequivocally the existence of the policy should be extended for persons 65-70 years of age (the age limit is determined by the insurance company). The risk of health complications in the elderly is much higher, so initially issued insurance with a high coefficient (read more).
Insurance companies are very carefully prescribed health care coverage for pregnant women. Some even such a product is not - very high risk of complications, especially on certain terms. Those who writes, sometimes asking for a doctor's certificate from the antenatal clinic that pregnancy is good and you can fly. In unison, sing along with the insurance companies and airlines - some have a formal rule does not take on board pregnant women in the later stages. But even if the deadline allows the doctor gave health help and all is well - advised to take out a special policy for pregnant women with the most advanced range of services for mother and baby. Such insurance would be good to arrange and travel to Russia - in addition to the ordinary MLA.
Finally important tip - less initiative. When the insured event immediately you must contact the insurance company or acting on behalf of the Service Centre at the numbers listed in the insurance policy. You can call from your mobile phone, from the hotel, from the clinic (if you have already got there). In the clinic, ask for help from medical staff - they will contact the insurance company. In their interest to obtain assurance that the treatment of the patient will be paid. Insurance policy and conditions it is necessary for him to read in advance! If the tourist goes to the clinic on their own, without informing their insurer of last resort, or a travel agent, the cost recovery, he may not get it. Although in this case, collect invoices and statements from doctors, as proof that health issues have taken place.
Be careful on vacation, wash your hands before meals and travel will bring less problems!
* In the next installment of the blog topic about insurance for tourists will continue. Let's talk about the insurance on his own recognizance (non-issuance of visas), the loss of baggage and documents and other insurance risks in the journey.
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