Travel insurance when traveling abroad and in Russia. Terms of registration

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

Medical insurance makes it possible to receive medical assistance in any country. The need for it may arise not only among extreme sportsmen, but also among lovers of beach and educational recreation. Read more about how travel insurance is issued, what policies exist - read on.

General information

Travel he alth insurance covers all continents. If the tourist has not issued a policy in advance, then he will have to compensate for all expenses for treatment abroad. In some cases, the bill can be several thousand dollars.

If tourists go on trips en masse, then the travel agency issues the policy, and its cost is already included in the ticket price. Schengen travel insurance is a requirement for obtaining a visa. Usually the policy covers the following insured events:

• early return;
• provided medical care;
• shipping drugs;
• repatriationin case of illness, accident;
• shipping;
• emergency dental care, etc.

A detailed list of insurance risks is prescribed in the contract. Before signing the document, you should inform the company in detail about the state of your he alth. Insurance will not be paid if:

• Tourist fell ill before departure, and on vacation his illness worsened.
• Has been under the influence of drugs or alcohol.
• There was a safety violation.

Policy structure

It's hard enough to figure out how travel insurance works on your own. To begin with, consider the terms that are prescribed in the contract:

• Policy is an insurance contract.
• The policyholder is the person who buys the policy (the beneficiary).
• Insurer (IC) - an insurance company that compensates for all treatment costs.
• Insured event - an event specified in the contract, which provides for the payment of funds.
• Sum insured - the maximum amount that the IC is ready to pay under the contract.
• Assistance is a service company, a representative of the insurance company in the tourist's country of residence.
• Franchise - the amount of funds that the victim himself will compensate. For example, the policy provides for a deductible of $30. The medical bill is $45. Of these, the company will return 45-30=15 dollars to the client.

When an insured event occurs, the policyholder must call an assistant to receive furtherinstructions. The bill from the hospital for the medical services provided is sent immediately to the insurance company. In rare cases, the client has to pay all the bills on his own. Then, upon arrival home, he must apply for compensation for all expenses.

Views

Travel insurance may include:

1. Standard insurance contract for emergency care and repatriation of the patient.
2. Accident insurance is more often issued by outdoor enthusiasts. If the injury results in disability, then compensation can amount to tens of thousands of dollars.
3. Protection in case of loss (damage) of luggage during natural disasters, accidents, fires.
4. Insurance in case of trip cancellation due to illness of the client or his close relative, refusal of a visa, damage to property. At the same time, all costs associated with preparing for the trip (payment for air tickets, accommodation, medicines, etc.) will be compensated.
5. Liability insurance for harm to others.

Work schemes

Insurance is a way to keep citizens safe. Refunds can be made in two ways:

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

Cost

When issuing a policy, the following factors will be taken into account: gender, age of the client, duration of the tour. The price of travel insurance depends on the extent of coverage. The amount of compensation that will cover all medical expenses can be several thousand dollars. The minimum policy will cost $5 per day for the duration of your stay in another country.

Usually, companies offer standard insurance programs for customers, which can include additional risks and conditions. Some companies sell the basic policy only with additional options, such as obliging customers to take out accident insurance.

The term and place of validity of the policy are of great importance. If the client paid for the insurance while already abroad, the policy is considered invalid. In addition, insurance is valid only in the territory of the country that is indicated in it. If this is one of the countries of the Schengen zone, then the policy automatically extends to its entire territory.

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

Policy features

Travel insurance is not a requirement when leaving the country or out of the city. It provides an opportunity to save some amount on medical expenses. The exception is the Schengen countries, in which the presence of a policy is required for obtaining a visa.

You don't need to look at the travel insurance rating to buy a basic policy. The cost of services for all companies is approximately the same, and there are clear requirements for policies:

• the duration of the insurance must cover the entire period of stay in the country + 2 weeks;
• insurance is issued without a deductible, that is, all the costs of paying for medical services must be paid by the insurance company;
• minimum refund amount is EUR 30,000.

Some countries accept handwritten insurance. It is allowed to issue one policy for all family members. To draw up a contract, you need to provide a passport and travel information.

The minimum insurance for traveling in Russia is a compulsory medical insurance policy. But it only covers the cost of emergency medical care. In order for the policy to cover the risks associated with outdoor activities, you will have to take out full-fledged insurance for those traveling abroad.

What the policy covers

Basic Insurance	Additional options
Insect bite allergy	Activity insurance
Fractured limbs	Help for alcohol intoxication
Poisoning	Help with exacerbation of diseases

With basic insurance, you can take out a policy, but if you go to the doctor, you will have to compensate for the costs yourself. Travel insurance abroad is a constructor. You can save money and buy one spare part or order a set of figures and build a castle. The same is true with the policy. You can issue a piece of paper for a visa or buy a useful tool.

How to upgrade the policy

For travel insurance to become really useful, additional options should be added to the basic policy:

• A trip to the sea - help with sunburn.
• Trekking, surfing, horseback riding, jet ski - insurance for outdoor activities.
• Ski resort - in addition to sports insurance, also add search and rescue and evacuation.
• Chronic diseases - help with exacerbation of the "chronicle".
• If you plan to ride a motorcycle during your vacation, you need to buy a policy of the same name. Compensation will be paid if the driver was riding in a helmet and had an “A” category license.
• Maternity Travel Insurance covers the cost of pregnancy complications. The closer the birth, the less chance that it will be possible to issue a policy. Most often, an insurance contract is concluded if the gestational age is 12-24 weeks.
• Alcohol assistance is not provided by all companies. In this case, compensation will be paid,if drunkenness was the cause of the accident. Much in this case depends on the doctor. He must determine the adequacy of the patient. A blood alcohol test is rarely done.
• If you want to secure your belongings, add luggage insurance. If the suitcase is lost, the UK will pay $500-$2,000. For comparison, compensation from the airline will be $20 per kilogram of baggage.
• International travel insurance by car will cover the cost of restoring the vehicle after the trip.
• Flight delay insurance provides compensation for every hour of waiting, starting from the fifth.
• Damage accidentally caused to another person will be covered by a civil liability protection policy. If the insurer, while sober, accidentally crashes into another skier, the IC will pay for the treatment of bruises and buy new skis for the victim.
• If you plan a trip in advance, you should buy a policy in case of not leaving the country. Airfare, hotel reservations and other services will be reimbursed if the client falls ill 2 days before the trip or does not receive a visa.
• Additional funds for the restoration of he alth can be obtained as part of the accident policy. If a citizen breaks his leg on vacation, then, in addition to treatment in the host country, he will additionally receive compensation for rehabilitation upon returning home.

What to do to get a refund

The insurance company (IC) will cover the cost of treatment only in thosemedical institutions with which she entered into an agreement. Therefore, in the event of an insured event, you need to call the service company at the specified phone number in order to get the contacts of hospitals and doctors. It is necessary to describe the situation to the dispatcher in detail, dictate the policy number and phone number. Based on 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 get through to the dispatcher.

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

• Save the policy on your phone so you don't have to carry it with you all the time.
• Connect roaming or buy a local SIM card so that you can quickly contact the UK. At the hotel, you can use Skype or call from the reception.
• Familiarize yourself with the terms of the contract in advance in order to know in which cases you will have to contact the company, and when you will need to rely only on yourself.

When an insured event occurs, you must:

• Call the assistance company at the number indicated in the policy. Tell the operator the policy number, your phone number, location, and the essence of the problem. If medical assistance is needed, the operator will provide the address of the hospital and send a letter of guarantee confirming payment for the services. In some cases, a decision can be made within a few hours. In critical cases, you need to call an ambulance, and then call the UK.
• In the hospital, the administrator needs to make sure that the company has sent a letter of guarantee. If this does not happen, the hospital will ask you to pay in cash or leave your passport as a deposit. You can't do this. You need to call the assistance and understand the reasons for the delay.
• At the first call to the UK, you need to coordinate your procedure with the operator.

If something went wrong, you must:

1. Be prepared to fully pay all expenses yourself In this case, upon returning home, the company will either compensate for all expenses, or will be completely out of payment. The second case is possible if the policyholder did not notify the company at all 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 home, you must contact the UK within 30 days to receive compensation. VTB travel insurance will be paid if, in addition to the application, the following are attached:

• Policy
• Medical documents indicating the patient's name, diagnosis, treatment dates.
• Direction for research.
• Letterhead invoices listing services rendered and proof of payment provided.
• Prescriptions from doctors, bills (checks) from the pharmacy.

Rosgosstrakh travel insurance additionally compensates telephone and taxi bills if the insurer attaches copies of these documents.

Conclusion

Insurance fortravel is similar to Lego. The basic package is only suitable for obtaining a visa. In the event of an insured event, it will not be possible to receive normal compensation for it. The policy needs to be collected "bricks", that is, to increase the amount of coverage, based on the characteristics of the trip.