Medical insurance for traveling abroad: design features

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

The pace of life of modern people involves constant movement not only on the territory of their country, but also trips to other states. And regardless of the place of stay, unpleasant events can happen to a person associated with a violation of the state of he alth, loss of luggage, an emergency. Such events on the territory of their state are very often experienced by the affected person on their own or with the help of friends. However, far from his native places, an insurance policy will come to his aid.

Is insurance required?

When traveling outside the country, each tourist is required to take out travel insurance. Such requirements are due to the fact that in recent years the number of travelers has greatly increased, and as a result, there are more people who urgently need medical care. Previously, such issues were de alt with by representative offices and consulates of our state located in other countries. Now the presence of honey. travel insurance is mandatory,if a person temporarily leaves the borders of his state.

Benefits of insurance coverage

Most European countries require a he alth insurance contract for an insured amount of at least thirty thousand euros. The insurance policy covers the costs that will be incurred by the insured person or the policyholder as a result of the need to receive qualified medical assistance. Medical insurance for travel abroad guarantees the traveler to receive the help of specialized doctors if an accident occurs, a chronic disease worsens. When processing documents with an insurance company, you can further expand the validity of the document in case of trip cancellation, loss of things, and other additional expenses associated with emergency events.

How does a medical policy work in another country?

When taking out insurance for traveling abroad, the insurer provides the client with information about the company that is responsible for organizing work with medical institutions. Assistance - this is the name of the company, whose employees accompany the client of the insurance company in the event of an insured event. In the telephone mode, the employee will listen to the problem, answer the questions that have arisen, refer to a qualified specialist who is located near the client's location, organize delivery to the medical institution and will advise on all other situations.

How to conclude a medical insurance contract?

Insurance for travel abroad is carried out by insurance organizations that have a valid license for such an insurance product. There are situations when an insurance contract is issued together with a travel voucher. The insured should check whether this insurance company has the right to draw up such contracts in order to protect themselves far from their homeland from unscrupulous insurers.

If you have to deal with the execution of an insurance policy on your own, you should find out all the nuances of this type of insurance from an employee of the insurance organization. It is necessary to pay attention to the contract, which gives an extended list of insurance protection. When concluding a contract, it will be correct to indicate truthful information about the type of vacation so that the insurance company does not have a desire to refuse compensation for the costs incurred.

To draw up a contract, you must have only a foreign passport and money with you. If there is no desire to get to the office of the insurance company, Sberbank insurance for traveling abroad, issued in the electronic version, will save time and nerves.

Insurance contract price

The amount of insurance payments that will need to be transferred to the bank account of the insurance company depends on many factors. First of all, the price of insurance for traveling abroad is influenced by the country where the client of the insurance company is going and the amount of the sum insured. Yes, to travelSchengen countries, the minimum liability of the insurer is thirty thousand euros. At the same time, if a compatriot goes to the USA or Canada, then for these countries the smallest sum insured under the contract is indicated in the amount of fifty thousand dollars.

The next item that affects the size of the insurance premium is the number of days of insurance. After all, the contract can be drawn up both for a few days and for a whole year of insurance protection. The number of tourists, if this is a group trip, also affects the final cost of insurance for traveling abroad.

When applying for a policy, you should pay attention to the size of the deductible. It is clear that the higher its size, the cheaper the insurance is. However, this is one factor that should not be skimped on. By choosing a franchise of one hundred to two hundred euros, you can reduce the insurance payment by two to three euros. However, in case of an insured event, usually acute tooth or ear pain, the amount of treatment costs is within two hundred euros.

The age of the insured persons or the insured itself also affects the final amount of the insurance premium. After all, the older the person, the more likely it is that an insured event may occur.

Classic insurance program

The standard contract includes the following clauses of the insurer's liability within the sum insured for the costs incurred under such items:

• doctor's call;
• hospital or outpatient treatment;
• urgent surgery;
• diagnostic studies;
• medicines and medical supplements;
• patient transport;
• delivering minor relatives home;
• arrival of relatives for care;
• urgent dental care (examination, tests, treatment, removal);
• costs of search and rescue teams and transportation to a medical facility;
• repatriation (delivery of the body home in case of a tragic event).

Additional insurance conditions

When applying for travel insurance, insurers offer not only medical insurance, but also additional liability options. Accident insurance can be added to medicine, this will cover not only classic expenses, but also receive financial assistance from the insurance company to restore he alth.

There are cases when, upon arrival in another state, a traveler will have trouble with luggage: it can be lost or damaged. In such a case, there is a separate clause in the insurance contract, and if it is also noted, then disappointments from the trip will be reduced by the possible amount of compensation for losses.

The insured, by contacting the insurance company, can also issue an insurance policy in case the long-awaited trip does not take place for a number of reasons, namely:

1. To obtain a visa, many embassies require insurance. However, whether a visa is issued or not at the time of the conclusion of the contract, the client of the insurance company does notknows. For such cases, an option has been developed that allows you to protect yourself in case of refusal of a visa.
2. A client of the insurance company was urgently hospitalized or injured in an accident, and therefore could not go. This also applies to children and parents who were supposed to take part in the trip.
3. Causing property losses to the insured as a result of an accident or incident that occurred through the fault of third parties.

In the above cases, the insurance organization compensates for the cost of purchasing tickets, paying for hotel rooms, and other related expenses.

Special conditions of insurance

It should be noted that when taking out insurance for traveling abroad, it is mandatory to fill out, if any, special marks. So, foreign citizens are required to report that they are non-residents. In such cases, the insurance payment is calculated according to another program.

If the insurance document is drawn up for a pregnant woman, this feature should also be noted in the contract. This is due to the fact that during the period of stay in the territory of another state, a woman may suddenly have a premature birth or other complications. Having this option, the client of the insurance company will not have to worry about the money side of the issue.

When applying for documents to travel to another country to work or participate in sports competitions, you mustnotify the insurer. Naturally, this will affect the final cost of the policy, but it will save the insured's budget in the event of an insured event. If you do not knowingly inform about this, the insurance organization has every right to refuse to compensate the insured for the monetary costs of treatment and restoration of he alth.

Car insurance

Going on a trip by vehicle, you need to think about the insurance contract for the car. When buying car insurance for traveling abroad, check the clauses of the insurance contract, which spell out the liability of the insurer. There are cases when an insurance organization does not compensate for the cost of property damage if an accident or car theft occurred on the territory of another state. In addition to the insurance of the car itself, when crossing the border, the traveler must have a contract of compulsory civil liability insurance "Green Card". Without such a policy, the driver will not be able to enter the territory of another country.

Going on a trip, you should not save on additional options. After all, it is precisely such special annexes to the main contract that allow you to feel at home anywhere in the world - calmly and confidently.