Key Travel Insurance Issues

Insurance, which will be discussed in this article,insurance companies call a traveler’s insurance policy, travel insurance or traveler’s medical insurance, as it is more convenient for them to call it.

To get out of the troublewhole, cured and not much spent, you should understand this system. Because insurance - like any such office - really wants to sell you a policy, but then really does not want to pay. Therefore, to deal with this system, it is better to understand how it works; really read the policy - and not just sign it. And it is better to understand in advance what to do if something happens. In order not to make mistakes that will allow the insurance to refuse you treatment or later to pay for this treatment.

The content of the article

How to choose an insurance company

First of all, I want to advise mega usefulinsurance price comparison service - Cherehapa. Long awaited! For several years now, buying insurance has become much easier. Now you don’t need to check a bunch of insurance companies ’sites, you go to Cherehapa and immediately see prices for 16 insurances and buy them there.

Most of the most negative reviews.On the Internet, insurance representatives answer reasonably why the insurance did not work. But behind each such case there are living situations - when a person was frightened for health - his or a loved one, was taken aback and made some legal mistake - and in the end did not receive the help that he expected when he paid the policy. To prevent this from happening, one should not only insure himself, but also carefully read the documents that are given to you. And to understand in advance the sequence of actions, what you can count on, and what not.

The insurance company that sells you the policy works with one of the assistance (service) companies. I wrote about a few basic assumptions in my article. Traveler insurance, and also gave a list of insurance companies with their assistants. Also, there are other nuances described, including good insurance-asistens bundles, be sure to read!

My insurance rating>

When an insured event occurs, it rings.the victim is not in his insurance - and in this assistant company. How polite and qualified communication with the operator will be depends on the assistance company, and not on the insurance company. The hospital to which they will be sent, whether they will take care of the transport or have to call a taxi, whether they will have to pay the bill at the clinic themselves (and get the money from the insurance after returning to their home country), whether they will take a passport as a deposit and how many calls - depends on the work of the assistance company.

But we must understand that the decision to pay billsIt does not accept the Assistance company, but the insurance. It’s up to the insurance company to decide how quickly a doctor’s appointment will be met, a car will be called - or you will have to take a taxi, will let you pay for treatment or not. Unfortunately, there are no insurance without negative reviews, this will have to be accepted, as a fact, and to choose the lesser of several evils.

How is considered the beginning of the insurance

You must carefully read the terms of a particularinsurance company - because different insurance has different rules. And read the policy that you sign, because often the policy agreement differs from that published on the site.

Usually when you apply for an insured eventYou are asked the date of entry into the country and may be asked to scan and send all the pages of your passport to make sure that you have not spent all your days abroad with this policy.

If you have two policies, one of which has 10 days left and the other 5, they are not plus, but spent at the same time - because each company will check your days abroad.

What to do if the insured event occurred on the last day of insurance

If the insured event occurred on the last day- the main thing is to have time to register it (call the assistants) before the expiration of the policy. The conditions of all insurance are different, but usually the insurance stipulates that the treatment takes some time and can continue after the end of the policy. But exactly how many days are given for treatment after the termination of the policy depends on the conditions of the specific insurance.

What exactly does not make sense is to buy morea few more days of the same insurance, because they will not cover the insured event. This is a new policy, it can not be related to something that happened before its purchase.

Moreover, if the insurance companies agree to issue a policy remotely - such a policy begins to operate after a few days.

How to extend the insurance

Extend the insurance policy can not be. You can buy a new one. But we must bear in mind that not all insurance companies sell policies through the Internet, and not all insurance companies will consider it valid without crossing the border. That is, it is assumed that you buy a policy, while in Russia, and then cross the border.

Also, some insurance acts temporarydelay. For example, when buying a policy from Liberty, while abroad, you need to wait 5 days after purchasing the policy before it starts to act (that is, you can specify the date the policy began, not today’s number, but counting 5 days ahead). So they are protected from fraudsters trying to buy a policy on the day the medical problems arise.

In detail those insurance that you can buy while already abroad, I wrote in this post.

How to pass an insurance policy if the trip did not take place

Different insurance policies may vary, butUsually, before the start of the policy, you can turn it in and get back the cost of the policy minus the cost of overhead. This is usually about a third of the cost of the policy.

After the start of the policy, it is usually impossible to hand over it, even if you used 2 days from six months.

How to buy insurance online

When making an insurance policy via the Internetinstead of printing, they use an electronic signature, which is no worse than printing on a paper policy. (“Federal Law“ On Electronic Signature ”No. 63-FZ of November 6, 2011.”) You can also make sure to call the company after purchasing a policy and check it by number. I have already bought the policies Absolute, Consent, Liberty several times through the service Cherehapa, and did it every time online, paying with a credit card. No problems, the policy came to me on an email in electronic form, and then I used it in the right country.

Here is the traveler insurance (plus several more pages of the contract)

Here is the traveler insurance (plus several more pages of the contract)

The main thing is if you are not already in Russia,Be sure to check before buying when it will take effect, and whether it is prohibited by the rules of an insurance company to buy a policy abroad. Because, for example, according to the rules of the same Liberty, the policy in this case will take effect after 5 days. And many companies do not sell the policy to a person who is not already in Russia. Details on insurance that can be bought from abroad in this post.

Many companies ask for an insurance case.send a copy of all pages of the passport. If it turns out that at the time of insurance the person was not in Russia, this could serve as a reason for the insurance policy to recognize the policy as invalid (and, accordingly, refuse to pay for treatment).

What kind of insurance to do if you are going to ride a bike

It is necessary to carefully read the conditions of yourinsurance, what is written in the insurance contract. According to the rules of most insurance companies, riding a bike (motorcycle) is covered only by the Sport package or Active Leisure package (and is not covered by the usual one). Need to read the rules of each insurance. Or go to the same Cherehapu and put a tick in front of "Movement on a motorcycle / moped", which is located in the section "Sports and active recreation. Then you will immediately see the price change and the filtered results on the insurance.

Some insurance management bike included in the standard package. One example of Tripinsurance.

When an insured event occurs, always be prepared for questions:

  • who was driving
  • if the victim was driving, does he have category A rights
  • whether the victim consumed alcohol (and at the hospital can do a test for alcohol, not believing the word).

The last question for solving the insurance key is if you drank, then no case will be recognized as insurance.

The rights of category A also play an important role -It is quite normal and usual situation when, despite the purchase of sports insurance, insurance as a result refuses to recognize the case of insurance, referring to the driver’s lack of rights of the necessary category. Therefore, those who drive without a license often pretend to be passengers or do not say that they fell from a bike. Accordingly, if you do not have rights, then it makes no sense to make insurance with an additional package, just to pay for nothing. Nevertheless, I would recommend driving with the rights or try not to mention the bike.

Elderly health insurance

Not all insurance companies make insurance fortravelers over the age of 65, and almost all introduce payables (that is, the cost increases several times). Rosno insures up to 85 years, the coefficient begins to accrue from the age of 65, but there are not very good reviews about Rosno, and some of them are from pensioners. Bean insurance, the former first insurance company insured earlier from 80 years, now changed the rules and insures only up to 70. Liberty insures up to 100 years.

It must be kept in mind that the treatment of chronicthere will be no diseases - only symptoms, that is, in fact, analgin. So in any case, you need to take with you a huge first-aid kit for all of your chronic diseases.

Does the insurance cover chronic diseases?

Travel insurance does not cover the treatment of chronic diseases. What is meant?

If there is a clear threat to life, then the insurance pays for urgent measures. But does not pay for treatment.
For example, in case of aggravation of gastritis there isThe likelihood that the doctor will give a painkiller and will not give anything from gastritis. Or that the doctor will give the necessary pills - and the insurance will refuse to pay for the admission. Usually, insurance does not refuse to pay at a low cost, but we must bear in mind that such a case may be recognized as not insurance. It is better not to rely on insurance in this case, but to take medicines for your chronic diseases with you.

What happens in a situation where the first-aid kit does nota real medical intervention is necessary and necessary - for example, in the event of a heart attack, ulcer perforation and so on. According to the rules of most insurance companies, they pay for hospitalization, if there was a clear threat to life. That is, the doctors must bring you to a transportable state and after that the insurance will pay for the patient to be sent home (if there is such an insurance item). But we must understand that in such cases, the insurance company may try to find a reason not to pay the bill. There are also restrictions on the maximum amount that is less than the sum insured - for example, $ 10,000 instead of $ 50,000, which is valid for other cases.

You can try to protect yourself and ask the doctor to write:
- was a threat to life
- intervention was urgent
- that this case was not an exacerbation of a chronic disease and was not caused by it

But you know, not every doctor will be willing to risk his license and get involved in such matters.

With a long trip how best to insure, at home or on site in the host country?

Minuses:

one. The local medical insurance policy does not start working on the day of purchase, but after some time. Plus, until the hands reach for insurance, while you find an agent, while you take out insurance, it will take a long time. If something happens in the first days, there will be no insurance for these days, this is the first minus. In addition, of course, only traveler insurance works on airplanes and on the road, local insurance will not help.

2 The company that will insure you will have to search. And not all countries will find it easy. And not in all countries, agents will speak English. Of the famous and present in many countries, Bupa.com is advised, but it is expensive.

3. Insurance in a local company, as a rule, will be more expensive.

4. There are services that are not covered by local insurance by definition. For example, the repatriation of the body to their homeland.

5. The local company will almost certainly not have support in Russian.

Pros:

1. With some reservations it is possible to treat chronic diseases. Reservations are mainly related to the terms - for each chronic disease there is a period from the beginning of the purchase of insurance.

2. You will not be offered to send you home treatment at the slightest hint of an operation, but will be guaranteed to be treated on the spot.

When traveling less than half a year localthe insurance looks somehow meaningless: chronic diseases will not be so quickly covered, traveler insurance will be decently cheaper. When traveling more than a year - it’s quite sensible, at least in that the insurance company will not try to send you to be treated at home. Although, in some cases, it is rather a minus.

Why get insurance in Schengen

First, it is a must-have. That is, it will be checked at least once - when they will issue a visa. The second time it can be checked at the entrance to the border. In fact, they check it very, very rarely, but if they check and find out its absence, they either make it buy it right at the border or send it home. I have a whole post about all sorts of nuances - Schengen visa insurance.

Secondly, medicine in Europe is quite expensive, and insurance there is quite cheap, so it is easier to buy insurance than not to buy.

Where better to buy insurance for a Schengen visa

You can not even think about it and do aboutConsulate, while you stand in line for a visa. Or directly at the agency that will issue you a visa. But I personally prefer to buy insurance online, because it takes literally 5 minutes of time. Moreover, I know what kind of insurance I will take, and what I wish for everyone - to read reviews about insurance, about the assistants with which these insurance work and to make a choice with open eyes. God forbid you have to use insurance, but it may not be working and will refuse because of an artificial reason.

At the moment I prefer to buy myself andyour family insurance through Cherehapa. Already 10 times had to use insurance, and so far some problems and questions have not arisen. But most importantly, it seems to me, not to make insurance the cheapest insurance or the first available. If you don’t know what kind of insurance to choose, don’t understand what it is, and in general you have a lot of questions, look in my generalizing post traveler insurance.

The cheapest insurance for a Schengen visa

Ahead of the whole planet Eurotour agency. Yes, it is in the agencies that the cheapest insurance is, there is simply no cheaper. Eurotour sells them online, you get a policy from Alfa Insurance with Savitar asistnes, which is pretty good.

Another option is to pay less for insurance.for example, for the annual Schengen - is to issue it only on the first trip. Some countries allow this, you must carefully read the rules for obtaining a visa to a particular country. And to save money, it makes sense to look at annual insurance.

Separately, watch my TOP 10 cheapest insurance for Shenegen.

Why make insurance to Asia

Insurance in Asia is not necessary, unlike Schengen. Therefore, “do or not do” remains at the liberty of the traveler.

In principle, medicine in Asia is not as expensive asin Europe. In Thailand, for example, there are usually two different hospitals: one, dear, works with insurance, and the second, cheap, works for cash. True, there are different opinions on this score, someone is advised to go to cheap ones, someone says that only to expensive ones and nothing else. But in general, treatment in a foreign country will cost you more than in your own, if only because in Russia shareware medicine, plus you will not know exactly where to go and what can I say. That is, insurance is a certain guarantee, especially in difficult cases when serious treatment is required.

One of the most frequent cases in Thailand is a fallfrom bike. It is not covered by any insurance, but only the one where it was included in the package, immediately or for an additional fee (choose the option when buying a policy). Of course there should be no alcohol in the blood, and category A rights are needed. Skating on the board may also not be included, so immediately find out what activities are insured.

Sometimes you can get medical treatment for cash. Think of a runny nose or abrasion on the leg. But, unfortunately, there may be a situation where there simply is not enough cash. That is why there is this post, you need to understand why you are doing insurance, and when it should be used, and when not. Roughly speaking, those who love to drink and get behind the wheel of a direct road to the prison hospital to be treated for cash.

Where to buy ISOS Assistance Insurance?

Previously, insurance worked with the ISOS AssistantConsent and a couple of others, but then they stopped selling insurance from ISOS, now they have a different assurance. ISOS has generally stopped working in Russia since the end of 2014. For some time, insurance from him could be found on individual premium bank cards (for example, Raiffeisen), but now in 2015 I have not found them there. It is a pity, good was asistens, the best. True, not very cheap. The only option where you can buy it now is directly on its official website. Only support will be in English and prices are unlikely to please you.

How to find out in advance the hospital, where they will direct

In short, no way. For some reason, this is “secret” information. The fact is that the insurance company, not the insurance company, sends you to the hospital (assistance). And depending on the hospitals with which this agreement has an agreement, they will be sent there. Sometimes another asstance is used (usually you don’t even know about it) and also in order to have an agreement with hospitals. But all this is an internal kitchen and you do not have access there. You can call the insurance or assistance, but they will tell you that when you have an insured event, then we will tell you the address of the hospital, they say, depends on very many factors.

In fact, insurance on a certain segmenttime (say, a year), they send everyone to the same place. And you can try to find a description of insurance claims on the Internet (reviews), and there, as a rule, the city and hospital will be indicated. But this is a dreary exercise, besides not a guarantee at all.

Do insurance marks on border crossing look

It depends. Sometimes they ask to send a photo with a stamp / visa in the passport, sometimes not. Depends on the insurance and your case. It also depends on whether you have annual insurance and how many days each trip can have (and how many trips per year). You understand that if any suspicions arise, they will definitely ask. I would not break all these deadlines.

Can I buy multiple policies in a row?

One of the questions is whether it is possible to buy before the trip.policies one after another, breaking up the trip insurance in several parts. Can! But not all insurance companies. For example, ERV has a mandatory requirement - 1 insurance must cover the entire travel period, although this is not specified anywhere in the insurance regulations.

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.

Discount hotels

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