Why the Medical Insurance is important on Vacation

A two-year-old boy from Russia who fell into a coma in Portugal, will be delivered to Moscow as soon as the doctors are allowed. The child was in a difficult situation because of the exacerbation of the disease. The insurance company has already stated that they will bear all costs, including transportation of the boy. Unfortunately, accidents on vacation are not so rare. How to avoid trouble during overseas trips - in the material of the program 'Moscow patrol'.

how to insure against accidents on vacation

and What is important to consider and what to look for?

Tourists, most often, of course, know about the need for insurance, as well as about what the hospital can pay for from the hospital's own pocket. Those who organize their travel through tour operators do not think about medical insurance simply because standard medical packages include a medical insurance policy for trips abroad.

However, responsible tourists who prefer to travel independently, as well as those who often travels on business trips, realize the need for travel insurance and purchase insurance policies themselves, usually through online booking on the website of insurance companies.

As practice shows, those who at least once faced such problems on a trip, in the future, traveling abroad, always get insurance. In addition to standard medical insurance, you can also protect yourself in the event of other unforeseen circumstances. For this purpose, for example, insurance against loss of luggage, protection against travel and many other possibilities are provided. Let's talk about this in more detail.



What are the types of insurance for tourists and what can be insured Let's start with the fact that the policy for travelers abroad, which provides protection against risks - this is not the only way to protect yourself on the journey, in addition to the classical health insurance, it can include other types of risks .

So, it can be: Medical expenses - as already mentioned above, this type of insurance is necessary for tourists traveling abroad. Even if it is a question of visa-free countries, medical insurance, as a rule, is mandatory in the package of entry documents.

The insurance amount for such insurance extends to: Drugs issued by a doctor - and it is very important to pre-arrange these costs with the insurance company before purchasing medicines to be 100% sure that they are on the paid list.

To do this, you need to call the contact number of the call center of the insurance company - usually the phone numbers you need are enclosed with the policy.

Treatment in hospital. Transportation of the victim to the hospital or to the place of residence (the last - provided that in the host country there is no possibility of providing the necessary medical assistance or if the costs of staying in a hospital can exceed the limit established in the insurance contract).

It should be noted that this is not about transportation costs, but about transportation itself, i.e. an insurance company, or rather, its partner in each country, organize the arrival of an 'ambulance' or other vehicle.

Compensation of transportation costs in case a person could not fly home on time due to the need for inpatient treatment.

The insurance case for this type of insurance, according to the Insurance Rules, is a sudden illness in the territory of the policy.

In this case, the event is not recognized as insurance if it is associated with chronic diseases known at the time the insurance contract was signed and / or with diseases that the insured person previously had (even if the insured person did not receive treatment for them). This rule is universal for any diseases, including cardiovascular.

There is a certain logic in this, because the essence of insurance is protection against risks, the occurrence of which is difficult to predict in advance. If a person with a sick heart goes to rest in another country - the responsibility for one's own health should be on it, and not on the insurance company.

In the event that a healthy person has heart problems, the insurer will cover the cost of the necessary diagnosis, the medicines prescribed by the doctor, the costs of hospitalization.

Moreover, if the Insured, because of hospitalization, misses his flight, the insurance company will organize and pay for his return to his place of permanent residence (all expenses are covered within the sum insured stated in the insurance contract).

The standard amount of medical insurance for most countries (including for the Schengen countries) is 30,000 euros (the cost of such travel insurance can range from 0.5 to 2 euros per day of stay);

exceptions - America, Canada, Japan, in which the amount of TCD insurance coverage must be at least US $ 50,000. And there is a policy in these countries, respectively, a little more expensive.

Accident insurance is a type of voluntary insurance for tourists (in contrast to, for example, medical insurance, which is mandatory), this type of policy includes injury, disability as a result of an accident.

Moreover, disability can not occur immediately, but within a year after returning from rest. Death will also be considered an insurance event.

This type of insurance differs from the medical one in that after the repatriation the relatives will receive money according to the Table of Payments just for the very fact of occurrence of the insured event. These funds can be used by relatives at their own discretion.