Insurance for traveling abroad - price comparison for Cherehapa

It is finished! How many times have you had to manually punch the cost of travel insurance, going to the websites of insurance companies ... Now there is a whole service for this - Cherehapa! Their base contains 18 partners, and among them just those are all needed, such as Consent, Sberbank, Tinkoff, Absolute, VTB, Zetta, Ingosstrakh, and so on.

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Insurance for going abroad to Cherehapa

What is Cherehapa

Making a policy online using the service Cherehapa,you only pay for insurance, the service itself does not charge for services. That is, the insurance will be worth the same or even cheaper. The fact is that Cherehapa is a large partner, and can beat out special conditions for itself. But that's not all. Cherehapa provides support to all its customers, both informational and in case of an insured event. Believe me, this can play a significant role.

Cherehapa is an Internet service designedfor choosing and buying travel insurance online. With the help of this service, you can compare offers from different insurance companies, choose the most profitable insurance option for you and immediately issue a policy purchase. The main convenience is that you don’t need to go anywhere and there is enough time at your disposal to select the necessary insurance parameters. Cherehapa is an aggregator, in the sphere of travel insurance it is similar to the services for finding air tickets and hotels.

Cherehap online service was created in 2012, forThe years of work have significantly expanded the number of insurance companies-partners, and, perhaps, there will be even more. Buying a policy using the service takes only a few minutes. If necessary, you can contact the service support service and learn about the features of insurance in certain regions and generally ask any questions.

Why you need to buy through Cherehapa

The fact is that Cherehapa is a serious partner, notjust an intermediary. Cherehap can press on the insurance company in a disputed case. Therefore, Cherekhapy clients are in a privileged position, but, of course, within the framework of an insurance contract. Believe me, I know what I'm talking about. When my son was in intensive care in Thailand and we got the entire sum insured, Cherekhapa helped by negotiating with the insurance. And I know that our case is not the only one. I will tell you a secret, some insurance can only be taken through Cherehapa to avoid problems. In any case, you do not lose anything, the prices are the same, and it is better to have a free additional guarantee than no one at all.

It is very important that Cherehap provides support. For example, you can make changes to the policy via the Internet or cancel it when, as many insurance companies want, a personal visit to the office. Cherehapa is always aware of all changes and all conditions on insurance, they will recommend you in an online chat what is worth taking in your particular case and what is not. You try to call the insurance, to find out something not quite standard, there in the call-center you will be told such nonsense, checked many times already. Cherehapa even disconnects insurance companies from issuing, if they have bad business and it’s better not to buy their policy now. So from mediation you lose nothing, but only gain.

How does Cherehapa work?

Everything is very simple: You fill out a form on the main page of Cherehapa, choosing one country, several countries or a whole region, as well as the number of days of travel, the number of people insured, etc. Further, the service offers you a choice of several suitable options, and he indicates which insurance companies-partners are suitable for you. You simply select the desired company, fill in the personal data of the insured and the payer, pay and - the policy is ready! Here you can try to compare something.

Now partners of the Cherekhap service are: Accord, Absolute, Sberbank, Alpha, Renaissance, Reso, Ingosstrakh, VTB, Russian Standard, ZETTA, Liberty, Rosgosstrakh, Tinkoff, Allianz, Reso.

It is worth noting that the printout of the insurance policy,issued through the service Cherehapa, suitable for submission of documents to the embassy for a Schengen or other visa. In general, the policy is no different from what you write out the insurance company. I bought insurance, and through Cherehapa, and directly from the insurance - there is no difference, the policy is the same. And there were no problems with him later, he was in the insurance base, as it should be.

The most difficult thing when choosing insurance is notthe technical side (the service is made conveniently, the interface is simple and clear), and a balanced choice of an insurance company is for you personally. This is not a simple solution, because we are just buying insurance to get qualified and quick help in a situation where health and even life may depend on the insurer's responsiveness. Already on our blog Detailed article on how to choose an insurance company, be sure to read.

Comparing prices and buying a policy step by step

Choice of country and number of people

For starters, on the main page of the service, you can select a country, several countries to choose from or a region where insurance will be valid. For example, we will choose Thailand:

Then you need to choose the insurance period, the number of travelers (up to 10 people) and their age. Let it be insurance for exactly one month for one person:

Initial Search Results

After clicking the Find insurance button, we go to the results page, where you can immediately compare prices (they depend on the exchange rate, so they may differ on different days).

Filter the results

First of all, on the left you need to tick in the following paragraphs, if you need them:

Annual policy - if you need a policy for a year (usually they buy at once for several trips);
I am already traveling - it is important to note this, since not all insurance companies allow the purchase of a policy if you are already abroad (more about it);
I am not a citizen of Russia - also an important point that should not be forgotten.

Then you can pay attention to the recommendation of the service for your chosen region or country, it is located on the right above. Look at what the tip looks like for Thailand:

For Thailand, we are advised to add an option.Motorcycle / Moped Driving and Accident Insurance. Suppose we really, like many who come to this country, are going to rent a motorcycle, so the recommendation is quite sensible and you can accept it by pressing a button.

Look, prices have changed immediately, sincethe option Movement on a motorcycle / moped was added in the Sporting and active leisure tab and Accident Insurance was added in the Additional Options, which made insurance more expensive.

But you need to remember that insurance worked, you need to have category A rights, otherwise there is simply no point. And I would not insure an accident at all. Since many do not understand what it is and why - read my post about this option.

Below on the right you can choose the currency and the amount of insurance. For Schengen, you must always choose an amount not less than 30,000 euros (detailed post about the nuances of insurance for Schengen).

For example, instead of $ 50,000, choose $ 100,000 and see how the price changes.

Immediately under the sum insured, if you pressin detail, additional filters will fall out. And here you can do in different ways. For example, immediately tick the options that you need, thereby activating the next filter. Then the cost of some insurance will increase (for those where this option is not included in the basic package), and some may even disappear or become marked with a red exclamation mark.

But we will do a little differently. We’ll select some of the insurance we need on the left by clicking on them, for example, VTB, Consent, Liberty and Alpha insurance (only 4 are possible). Green plus signs opposite one or another option means that the insurance policy selected from the left already supports this option in the database. The green circle with a plus and the inscription "N options" next to the name of the insurance company, on the left, just shows how many options this insurance supports.

Insurance options

For each insurance you can see somedetails These are three points: assistance, deductible and insurance rules. These are very important points. Deductible means that you pay part of the expenses. True, the franchise is used infrequently, sometimes it is not, if you buy a policy through partners like Cherekhapy.

But the most important thing is assistance, but about him below.

How to choose insurance

The final choice of the insurance company is the most crucial step. Be sure to look at my rating of insurance, there is always fresh infa, compiled on the basis of reviews.

My insurance rating>

Assistance plays the main role, not how muchInsurance Company. It is the assistance that will take a phone call from you and send it to the hospital on the spot. It depends on the speed of its work, how quickly your question will be solved, as well as to which specific hospital you will get into, modern or some kind of zanyuhanny. How to choose an assistant is a difficult question. It is best to read reviews on a specific country and preferably in conjunction with an insurance company, after all, it is the insurance that will approve spending a certain amount on a particular survey. But be prepared that for each assistance and insurance will be negative. Unfortunately, this is a normal situation and it should be taken for granted, so this business is arranged.

The service has a filter on asistens. But since there are not too many insurance claims, it is not always necessary, I already remember from memory who cooperates with whom. The main thing is not to buy Global Voyager Assistance (GVA), for them the most complaints.

Policy payment

After you click Buy in the column withone of the names of the insurance company, the site sends you to a page where all the parameters of your policy are listed, check them. After that, fill in the personal data of the insured persons and the insured. If to the right of the name of the insured person put an end under the word Buyer, then the full name for the insured will be filled out automatically below.

You can pay for the policy with your bank card by filling in the card details.

So everything is done online, no need to go anywhere. It is very strange that some insurance still DO NOT sell policies through the Internet. Hmm. The last century is straight.

Immediately after payment the insurance policy will be sentto the email you specified earlier. In addition, if you register, the policy will be stored in the Personal Account on the Cherekhap website. For convenience, your phone will receive an SMS message.

That's all, the policy you have, it remains only to wish that fate did not force them to use.

How to cancel a policy

If you want, there is an insurance policy.the ability to cancel. This must be done before its entry into action. To cancel the insurance policy, you must send a request to the e-mail service or write to them in the online chat. After that, the money will return to your bank card within a few days. I already canceled the policy, everything went without any problems.

Please note in other services or when purchasingdirectly in insurance companies can not return all the money, but for example, only 70%. In this case, it may still be necessary to go to the office. This is the question of where to buy.

P.S. Please note that the selected options are individual and selected by me for example. As a rule, I always make a child a policy with a coverage of $ 100,000, and for myself most often $ 50,000, or also $ 100,000. In this case, the last time in Thailand, I traveled only by car, so there was no need for the package "Active recreation", taking into account the bike. Also, I do not really need accident insurance.

Life hacking 1 - how to buy a good insurance

Choosing insurance is now unrealistically difficult, so to help all travelers, I compile a rating. To do this, I constantly monitor forums, study insurance contracts and use insurance by myself.

Insurance Rating

Life hacking 2 - how to find a hotel 20% cheaper

First, choose a hotel on Booking. They have a good offer base, but the prices are NOT the best! The same hotel can often be found 20% cheaper in other systems through the RoomGuru service.

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