Mandatory travel insurance

Mandatory travel insurance: pro et contra

Mandatory travel insurance: pro et contra

Last June, the Ministry of Finance of the RussianFederation issued a statement, which provoked stormy discussion in professional circles and among ordinary citizens. The Ministry of Finance announced his intention to submit for consideration to the bill on compulsory insurance of Russian government, traveling abroad. The initiative of the Ministry is not limited to the visa direction where the citizens of Russia to issue an insurance policy have become accustomed, but also in countries with which the visa-free regime. The fact that this would mean for the sector and for each of us, we told Mikhail Yefimov, director of insurance companies.

Statement by the Ministry of Finance of the intention to achievecompulsory insurance of Russian citizens traveling abroad, as expected, was seen dually. The vast majority of insurance companies and travel agencies of the Ministry supported the idea, while ordinary citizens were divided into two "camps": those who took this initiative with approval, and those who responded warily and even negative. To understand the advantages and that is a cause for concern, it is necessary first of all to analyze the parties' arguments and to weigh the "pros" and "cons."

Is it necessary? The argument against

One of the main arguments of those who acceptinitiative of the Ministry of Finance "in arms", is the statement that today travel insurance is compulsory only for citizens visiting the country visa. However, this is not quite true. In fact, the compulsory insurance when traveling abroad - if adopted - would be nothing more than a formalization of existing practices. The fact is that in many countries visa-free for Russians legislation oblige foreigners to carry an insurance policy that is valid for the entire stay. Check his presence or not - a question that is most often left to the discretion of the border service of the country of entry. For example, traveling to Turkey, a popular destination among Russian tourists, an insurance policy to issue mandatory - such is the demand of the Turkish legislation. And even if today the border guards did not ask you for the policy, this does not mean that compliance with this rule is not necessary.

Salvation drowning - the hands of professionals. The argument for

Officially, the Ministry of Finance explainedthe need to introduce compulsory insurance of traveling abroad as follows: "to minimize the budgetary costs of the solution of problems of Russians who have fallen abroad in a problematic situation."
However, in this dry formulation, in addition tobudget savings, and lies another important change. In fact, the state offers their own citizens to take responsibility for their safety abroad. The answer can be offended and say that "no one to protect us." But, you see, not a single state does not solve the problem of lung poisoning their citizens on vacation. The state intervenes and tries to help its citizens abroad during major catastrophes, natural disasters or man-made accidents. But in all other cases when travelers need treatment, they own (and often "for good luck") apply to the local clinic for advice and treatment. And their cost many times more than the price of an insurance policy with an average finish. In this case, travel insurance - the very lifeline that allows tourists not to worry on searching hospitals and doctors: all of it will make the insurance company.

It is necessary it should be. The argument against

So, what should really be afraid of - sothis unscrupulous companies, who want to profit at the expense of the masses of new customers who do not have design experience of the insurance policy for traveling abroad. As a result, there is a risk that companies will offer cheap and useless product that will buy on a "need to be so." However, the ability to neutralize this threat is in your hands. You just need to follow a number of rules when choosing an insurance company:
- To examine all the available information about the company, read reviews online and ask around friends and acquaintances - they just inform trustworthy information;
- A detailed interview operators insuranceCompany policies on all options on the calculation of the cost of coverage and so on. This will allow you to understand, you have to deal with professionals, or the company itself has not figured out how the product works provided by it;
- Carefully read the contract, specifying absolutely all the items that you may find are not clear.

The cat in the bag. The argument for

Introduction of compulsory insurance policy for travelingline will significantly improve the insurance culture in the society. But this will happen only if in this area will be carried out related work. Today, many travelers perceive buying insurance as a necessity to obtain a visa. The same thing can happen when the policy will be mandatory, as we said above. However, at the same time it is an opportunity to hold a broad public awareness campaign, which will allow people not to buy "a pig in a poke", and choose the best product that is optimally suited to them. Moreover, the legislation of most countries visa-free for Russians requires at entering medical insurance policy. Ignorance of the law, as we well know, is not an excuse. And in this case, and does not make your stay safe.

Solids

Weighing the above "for" and "against", it is possibleargue that the pros "outweigh". This is due to the fact that in actual fact the arguments "against" are untenable, and here's why: insurance and now de facto mandatory. Making policy, you get a guarantee that at the airport you will not expect a nasty surprise in the form of a border guard who, not finding you insurance, refuse entry.
In addition, the insurance policy - a way to protect yourself from trouble on vacation or while traveling - you will always know where to turn for help.
The only real risk - the unscrupulous companies that are sure to appear soon on the new field. And because the law must be carefully prepared to loopholes for such "players" left.
Finally, if you manage to neutralize this risk,the new legislative measure could be an excellent occasion for travelers to understand all the intricacies of insurance and pick out the best policy. If every responsible approach to this issue and choose a quality product, he does not regret. So complete is 10 basic rules to be followed when choosing insurance when traveling abroad.

What to look for?

  1. Carefully choose the coverage of the insurance policy: the smaller the amount, the less money laid on the treatment. For the countries of the Schengen agreement the minimum amount of - € 30,000.
  2. Keep in mind that the coverage for whichyou pay, divided by type of health care provider. Of the total of $ 30,000 of the allocated to health care, part - at the dentist, and some - on the luggage loss compensation, and so on. From according to various risk coverage limits and it depends on the cost of the policy. Paying attention to this, you can save by not overpaying for unneeded in your particular situation, higher limit on a particular risk.
  3. Separately it is necessary to examine insurance forwhat will be the insured event, and what is not. If you want to play sports, the injuries sustained during such activities will cover only the advanced policy. Since such damage on vacation, unfortunately, very common, then add their additional insurance "protection" in this case, it is common practice. And because the majority of insurance companies providing such an option: If you select the policy, you can include the "active."
  4. The insurance policy is valid only in respect of those troubles that happened to you abroad. Chronic diseases under the insurance are not covered.
  5. The insurance deductible is often used - the amount that you pay for your own treatment. Franchising helps to significantly reduce the cost of insurance.
  6. The franchise is relative and absolute. Absolute deductible, such as $ 100 means that of all the treatment of the $ 100 you pay yourself spending. Relative means that if a bill for services exceeds $ 100, the insurance will pay for everything, and if not exceed - pay you.
  7. If medical care abroad you stillneeded - immediately call the telephone number listed in your insurance policy. If you consult a doctor on their own, without notifying the insurance company, it can refuse to cover your expenses.
  8. Reimbursement of funds spent for your treatment,It may occur in two algorithms. First, the most common - is a form of service organization for medical expenses insurance. The insurance company provides the customer with the organization of treatment in the host country. It is only necessary to register the insured event.
  9. When the compensation form the policyholderself-pay health care services and undertakes to organize aid care. Upon returning home, the insurance company to provide documents confirming the occurrence of the insured event and the cost of treatment.
  10. Remember that the insurer must always be informed about all the procedures prescribed by your doctor about all medications and that he wrote.

Author: Michael Efimov, Director INTOUCH Insurance

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