Today, an insurance policy, you might say, has become a mandatory part of a package of documents for traveling abroad.Insurance in tourism - this is a guarantee that the tourist, if necessary, will be assisted.The list of countries in which it is impossible to get a visa without health insurance, includes countries such as USA, Canada, Schengen countries.
Usually, the tour price already includes insurance.But travel insurance offered by travel agencies, usually covers only the minimum set of services that may be needed in the preparation of personal injury or in the case of disease, for example, the cost of treatment or pay for medical transportation.
Since the possibility of insurance is actually much wider, then, if desired, you can purchase insurance to the insurance company.It is enough to be present already issued a package of documents required to leave the country.
I must admit that it will take some extra time to visit the office, but it will not be wasted, because the insurance of tourism has some subtleties that will tell you just the insurance company - it can, for example, to know in detail, in which casesreimbursed, but no ANY KIND.Insurance in tourism has several types:
- civil liability - insured event is the onset of the civil liability of a court decision, in the case of application in another country harm to a third party, be it property or life and health;
- Luggage - As for theft, loss or damage, however, it should be noted that the insurance does not extend to all things present in baggage, in particular, for the money, antiques, jewelry;
- cancellation of the tour - it provides the likelihood of canceling the tour, and contract at least 15 days prior to scheduled departure, but must be considered that the refusal of a visa is not at all an insurance case;
- on his own recognizance - provides for the payment of the sum insured in case of impossibility of departure due to unforeseen circumstances.
go abroad can be a time, say, while a small vacation, and you can go abroad several times for a couple of months, respectively, and insurance in the tourism exists in two forms: short-term and long-term (total travel should not exceed 60 days).
Making insurance should pay attention to:
- the expiration date;
- policy must be drawn up in two languages: Russian and the language of the country in which you are going;
- reminder of the insured.
The insurance premium from the same insurer may vary depending on:
- tariffs with different guarantees and the amount of coverage;
- term trip - the longer it is, the higher rate;
- quantity and age composition of the tourism group, for example, the rate for older travelers, aged over 70, tend to be higher in the half.Insurance in tourism suggests the presence of an insurance policy, which should be kept to yourself, that in the event of an emergency can be contacted directly with the dispatcher and ask for help.
But it is possible that even if there is a policy, for whatever reason, you have to pay cash for medical services.In this case, you need to collect all checks: for the payment of a doctor for medication, transportation, etc., on arrival to try to return the amount spent.
For this purpose the insured event the insurance company written statement.To him applied the following original documents:
- account in which shall be specified name and date of birth are being treated, policy number, diagnosis, medical services provided, their cost, the date of the meeting;
- recipes in which the date and the name of the patient and have stamps of pharmacies;
- account for daily expenses for the stay in the hospital, which must be specified days of admission and discharge from the hospital;
- tickets, etc.
document is provided to the insurance company personally.The answer to the statement of the law must be received within 14 days.
