Mite insurance. Features of this procedure

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

With the onset of warm days, a huge number of people go out of town to do their summer jobs and relax in the bosom of nature. At the same time, not everyone remembers that in the spring there is a very high probability of being bitten by a tick - this sometimes leads to very deplorable consequences in the form of various he alth disorders. Tourists, mushroom pickers and just vacationers who want to fry kebabs in the fresh air should remember about safety in the forest. Unfortunately, these categories are more likely than others to fall victim to a dangerous insect.

Be very careful

It is at the end of spring that maximum caution should be exercised, since during this period ticks actively multiply. However, this does not mean that you should be less vigilant in other months: an insect can infect you from April to October.

It is also important to remember that the tick acts very carefully: you will not even feel that it is on the skin. At the same time, noyou will also not experience pain symptoms, since insect saliva contains anesthetic components that dull sensitivity. As a result, a person becomes infected with tick-borne encephalitis, and in most cases it is extremely difficult to cure this disease. It must be emphasized that the treatment process itself is quite expensive.

What to do?

Of course, everyone wants to reduce the risks of meeting a tick to zero and avoid the cost of treating encephalitis. To minimize the likelihood of being infested with a dangerous insect, many today resort to such a procedure as tick insurance.

What is its meaning? Everything is very simple. You contact an insurance company and buy a special policy from them, which is valid for a certain period of time. If during this period you suffer from a tick bite, then you will be provided with free medical care in one of the clinics. At the same time, the contract separately prescribes which particular institution will have to serve the client. Thus, a program such as tick insurance implies that the victim will receive medical care in an institution that is professionally engaged in seroprophylaxis. There, the patient will be helped to remove the tick, and then he will be prescribed a course of treatment.

Specificity of the insurance program

It should be noted that today tick insurance is a fairly relevant and popular program offered by many insurers. Moreover, it is also available to citizens withlow level of income. Today, almost everyone needs a program such as tick insurance, which costs an average of 200 rubles.

At the same time, you need to remember that depending on the amount of the contract, the set of services provided will also be different.

For example, the cheapest tick insurance would include a one-time immunization. If the client makes a choice in favor of a more expensive program, then after the occurrence of an insured event, he can count not only on a full course of immunization, but also on therapeutic procedures, and if the disease progresses, then on all medications necessary for treatment.

Currently, you can insure yourself or take out one policy for all family members at once.

What should I pay attention to when taking out an insurance policy?

Despite the fact that tick bite insurance is a necessary and relevant procedure, one should not rush to choose one or another program. First of all, you need to discuss all the nuances and subtleties with the insurance agent.

Today, many companies offer tick insurance for children. When choosing such programs, you should not opt for the cheapest ones, since you cannot save on the he alth of children.

Carefully analyze all clauses of the contract, as some employees of insurance companies deliberately embellish certain programs called "Bite Insuranceticks". Particular attention should be paid to the clauses of the contract, which will be discussed below.

Insurance amount

This paragraph indicates how much money will be spent by the insurer on treatment. In some cases, the company's employees guarantee the maximum amount of medical care and rehabilitation, however, a rather small amount of money is fixed in the contract. Naturally, it is hardly possible to get what was promised for such money. To avoid possible disputes and conflict situations in this regard, it is better to analyze the cost of the immunization procedure and all necessary medical preparations in advance.

List of services

From the contract, you must clearly understand what kind of assistance you can count on in the event of an insured event. Moreover, if the contract states that you are en titled to only a single immunization, then you cannot count on anything more even if the amount of insurance is astronomically large for you.

Annex is an integral part of the contract

Remember that tick bite insurance must be issued with all necessary attachments.

They should clearly state in which medical institutions you will be treated if you become infected with the virus. Of course, it will be good if they are located near your home, and you should pay attention to this fact first of all when choosing a particular program. It is useful to make sure that the insurance companyentered into an agreement with a medical institution in which the patient will undergo treatment.

Territory

Pay attention to the territory covered by the policy. Keep in mind that when providing a service such as tick bite insurance, some companies cover the entire country, while others only cover certain regions.

Conclusion

Take care to buy tick insurance in advance so that trouble does not take you by surprise. Don't forget to get vaccinated too.