Going on a trip somewhere else, far from each one of us thinks about the possible troubles that could happen to us.This refers not to the small domestic issues, and health problems, legal complications, loss of baggage and long delays of flights.
help cope with all the difficulties intended to travel insurance, which is strongly advised to take out anyone who travels abroad, regardless of length of stay.However, before you execute the policy, should learn some very important things.
it necessary to draw up a contract?
«Do all insurance?" - That such a question is raised by many intending to go abroad.I must say, they have some justification for this, but they are only based on the belief that if earlier it was good - nothing will happen in the next trip.
Nobody is going to scare anyone, but think about what would happen if after all suddenly need urgent and immediate medical assistance - in fact abroad (not only in the West, but also in many countries of Asia) medical fee and it is veryexpensive, and to treat you there for free, no one will.But what if you find yourself in a situation when you have to pay for damage caused to third parties?And well, if there is an opportunity to pay a considerable sum.Yes, even if it will be - who likes to part with their blood?
Going to a foreign country, it is strongly advised to take out travel insurance.Even though it is not required to obtain a visa - "airbag" in the first place to yourself.
That may include policy
Standard Travel Insurance may provide reimbursement for:
- emergency medical care;
- dentist;
- civil liability to third parties;
- accident;
- cancellation / delay of the flight;
- loss of luggage.
Note: a must for any policy is only the first point of covering expenses in the event that you urgently need treatment.The rest of the items anyway are optional and may be absent in the list.In addition, there are other options offered by a particular company, such as maternity insurance, traveling abroad.To clarify exactly what the costs are recoverable, read the agreement concluded.
the way, notably the item is not mentioned here, is usually called the company "active sports".The essence of the risk is that, if present in your insurance contract you will be able to calmly deal with traumatic sports (skiing, snowboarding, surfing, riding a bike and so on. N.), Being sure that you cover the coststo treatment if you suddenly get damaged as a result of these activities.Therefore, if you are a supporter of outdoor activities, be sure to include the item in its insurance!
insurance policy as part of a tourist package
When making a tour through a travel agency, you will be surely offered such a service as "insurance of tourists going abroad."Even more than that, its value will be included in the round of defaults, especially when it comes to traveling to the country for entry into the presence of that policy required.
However, not always the quality of this insurance can be considered satisfactory.In addition, it is usually issued only for the formalities specified in the contract and the amount of compensation may be too small.
That is why we can give you advice - if you have the opportunity to complete your second insurance already "for themselves."
Scheme of
To better understand how medical travel insurance should once and for all to remember the axiom: the company with which you contract, no treats, negotiating with hospitals and doctors, and even almost noway will keep communication with you after the event provided by the contract.
insurance company - a middleman between you and the service company (Assistance).In fact, it sells you the service of assistance.Assistance, in turn, is an intermediary between you and the hospital or doctor.That he would be in touch if something happens and send in a medical institution in the host country, if you need medical care.
Company Selection
words, this in itself is only one insurance company apart from the assistance services will be fundamentally wrong, and even dangerous.As can be understood from the above, the role of first violin at approach is to play it a second mediator.So when choosing an insurance company in the first place to find out with which they work Assistance.
Note that firms tend to change partners from time to time, so make sure you received the relevance of information.They can also work with two or more simultaneously Assistance, in this case, when drawing up the contract, make sure that you will be just the intermediary, which you expect.
However, the insurance does not cease to play a role of "first-level", establishing contact between the client and his assistance, and the latter is often declining to a positive decision in favor of his client.That is why the company is listed on the Customers credible.This "consent", "Medexpress" FAC, "Liberty", Allianz, "Renaissance."For each of them, one way or another you will find the negative reviews, but this is true for any company - even the best.
little about Assistance
most well-known and respected in this area are the International-SOS, Mondial, Class, AXA, Coris.Each of these may be conventionally strong in a particular region of the world, moreover, each be in their own characteristics.
studying this question as travel insurance, you will find reviews that International-SOS - the most reliable Assistance, it had the highest percentage of positive responses on cooperation.Of course, the prices at the designated intermediary bit higher, but in any case, it is a reasonable fee for calm.
rest of these service companies are also working on a high level, and to them it is possible to rely on, if you observe all the rules specified in the contract.
It is worth mentioning about the Assistance GVA.He is very popular with insurance - working with him for many companies, but the most negative reviews.However, some compatriots choose this option, and because of its cheapness.
amount of coverage
Almost every insurance contract involves the payment of a certain amount when the insured event to a limited extent.The more expensive your policy, the more significant will be reimbursed by the company.Try to insure the greatest possible amount!
Visa rules specific country may allow an insurance policy in the amount of 20-30 thousand dollars (it is the amount of coverage for medical care).However, if you want to make insurance for themselves and not "for show", it is recommended to insure a large amount - at least 50 thousand dollars and above.This is especially true of trips to Europe and the United States, where the treatment can be very, very expensive.
Also, try to choose insurance with no deductible - that is, without the condition of self-payment of small expenses not exceeding a certain amount specified in the contract.
Model Regulations travel insurance
Of course, all companies - its own conditions and characteristics of insurance and, of course, before the signing of all these features would need to be explored.However, there are some standard conditions that apply to almost all contracts.
first relates to chronic diseases.None insurance of citizens traveling abroad, does not provide treatment for your old and ancient "sores."If it is found that the problems with health - a consequence of your chronic illness, payment of treatment you will be denied.
Next - a complete ban on the use of alcohol and psychotropic substances.If it is established that at the time of the insured event in your blood was a little bit of alcohol or illegal substances - you will also be denied reimbursement.
One more important thing - is the need to collect documents (police reports, medical records, checks) associated with the insurance accident.This is especially important, because not always travel insurance includes reimbursement when incurred - sometimes get accruing only on their return, as evidence by applying the above-mentioned paper.
documents for the insurance
To obtain an insurance policy usually does not require any special documents - almost all of it to make out only one passport.Thus far it is not necessary to provide the original - so, for example, many companies offer design of the policy via the Internet, which is very convenient, as saves time and effort.You can recommend a very convenient service Cherehapa.ru, which offer a choice at the request of several companies in which it will be possible to issue a policy on the website in the "online".
Total
So we decided that insurance is still needed.In this regard, here are some tips that can be given to any person going abroad.
first - carefully choose an insurance company and assistance services, when you make a policy to read carefully all items.Spend time on a careful reading of that then did not have the unpleasant incidents and misunderstandings!
second - try to avoid activities not covered by your contract.
third - if the specified cases still occurred, immediately contact the insurance and assistance services.Pre photograph your insurance policy for traveling abroad.
implementation of these simple rules will help you get out of difficult situations with minimal financial losses.Good luck in your travels, and be healthy!
