Medical insurance in Thailand for reviews 2019 - which one is better to choose

If you are reading this post, it means youInterested in medical insurance in Thailand for travelers. Like me, because I myself go to Tai every year. And when you start to learn information about insurance, it seems that now the head will explode from the abundance of conflicting reviews. What kind of insurance to choose? What insurance is better in Thailand?

It is necessary to make insurance, medicine is terribly expensive! After I got 3 million rubles, I advise everyone not to save, otherwise you can specifically get into debts and loans.

For several years now I have been collecting for you the mostrelevant information, trying to write it in plain language. Once a few months I sit down and update this post. To do this, I read the most famous forums where there is an insurance topic: the Vinsky forum, Banks.ru, Review.ru, Compare.ru, Otzovik, and so on. To find out the whole truth, I call insurance companies, read insurance contracts, communicate with insurance agents and victims.

Since I have a child and I travel often,want it or not, but I had to immerse myself in the question. And unlike other authors, I and my family members applied for insurance repeatedly. Personal experience is always more valuable than theory.

The content of the article

What insurance to choose in Thailand (briefly)

Short for busy. Next will be a long post, so if you are too lazy to read, then here is my summary of your choice of insurance.

Best, but more expensive:

  • ERV (the link price is 12% lower). BEST FOR THAILAND. Dengue fever, baggage loss, exacerbation of chronic diseases, riding a motorcycle are included. Online consultations with Russian doctors, if you take the link. The best option for a child, since there is no price increase due to age. The complication of pregnancy and childbirth is insured for up to 31 weeks, the only such insurance for pregnant women.
  • Allianz. Good assistance Mondial, which no one else sells. Many positive reviews about insurance. Dengue fever enters, riding a bike without increasing the cost. Insurance can be purchased already during the trip. Democratic price.
  • Cheap but working:

    • Sberbank Insurance (promo code LIFETRIPRU by 9%). For the price there are no alternatives now. Covers dengue fever, a complication of chronic diseases, allergies, sunburn. When adding the option "Riding a motorcycle" the cost does not increase. There is no increase in the price of children from 3 years.
    • Tinkoff. Low price, no problems with payments and a lot of good reviews. Dengue and chronic diseases are included.

    Please note that travel insurance to Thailand andIn general, Southeast Asia is constantly becoming more expensive due to the fact that Asia is considered to be a loss-making region. Well, the growth of the exchange rate is not in our favor, because the cost of insurance depends on the rate. So do not pull with the purchase.

    Rating of insurance companies (updated 01.2019)

    TOP5 - the best insurance for Thailand

    Listed insurance with their assistants and a mark where a good bunch of Insurance-Assistance. He told the pros cons of each particular insurance and gave a link where it is cheaper / better to buy.

    Top 5, which is worth considering in the first place.

    1. ERV (Evro-Center)

    Objectively TOP-1. You can and should take, at least a child! The best insurance for Thailand and Asia is now. There are a lot of options. The price is not the lowest, but everything will be fine. I myself have already used ERV - I got 3 million rubles, when my son landed in intensive care. Insurance all promptly organized and paid without problems. Even a plane transported a child from Phuket to Bangkok.

    Life hacking. If you buy by the link, it will be cheaper by 12% and will give the option "Telemedicine" as a gift. These are online consultations with Russian doctors, you can always find out if you already go to the hospital, clarify the appointments of the Thai doctor, ask about medicines, etc. detailed instructions.

    ERV insurance with 12% discount>

    Pros: There is no multiplying factor for children due to age! The insurance includes exacerbation of chronic diseases, sunburn, dengue insurance, there is luggage insurance, emergency dentistry. The only ones who normally insure pregnant women (the best insurance) are pregnancy complications, premature birth, and newborn care. There are a lot of options. By the way, if you initially see insurance with sums of 100 thousand ye, then ERV will be cheaper than Allianz, keep this in mind.

    Cons: price, especially for the annual policy. The insured amount of at least 100 thousand ye, if this can be attributed to the minuses. Although in Tai (and especially children), I would only make 100,000 ye.

    There are bad reviews, but this was due to the purchase of several annual policies in a row, which contradicted the rules of insurance. Many hospitals themselves say that it’s best to work with ERV.

    2. Allianz (Mondial)

    Insurance with the assistance Mondial, which is nowcalled Allianz Global Assistance. The combination of price and quality. Mondial is also in the TOP among the assistences. Exclusive in the Russian market, since in turn all insurance ceased to work with Mondiale because of its high prices. In fact, this is a certain analogue of Tripinsurance now. Works well, both in Thailand and in Schengen. A lot of positive feedback and the price is not the highest.

    Allianz prices>

    Pros: medical insurance includes Dengue fever (useful for Thailand), emergency dentistry, and bike riding without an increase in cost (also needed in Tae). You can buy insurance while already traveling (Here is a list of such insurance). Also, they definitely do not mind if you buy this second insurance (for example, for the second part of the holiday). This is sometimes necessary when you already have another insurance and it ends in the middle of a vacation.

    Cons: does not include exacerbation of chronicles and sunburn. Although the latter is easier to prevent than to handle.

    3. Tripinsurance

    Insurance with own assistance fromTripinsurance, which in fact means that they signed contracts with several assistants at once, including Mondial, to direct them to where they would be better. The positive reputation of this company is not one year. The insurance itself will be from the insurance Absolute Insurance, but, of course, there is no such program on the site itself, another exclusive. Promo code LIFETRIPRU for a discount of 11%.

    Tripinsurance discount>

    Pros: huge insurance sums: $ 250,000, $ 500,000, $ 1,000,000, I have never seen anything like this anywhere, you can get very cool with such amounts, with expensive operations. An exacerbation of the chronicles when life threatens is covered up to $ 3000, they assist in terrorist acts, insure Dengue, if possible a doctor will be called to the hotel (doctor on call), riding a bike is included by default. They are not afraid of publicity, their representatives are in all forums, there you can draw attention to your situation and solve it. You can find out which hospital will be sent to this or that city. There is a free service “Doctor Online”, round-the-clock consultations from Russian pediatricians and therapists.

    Minuses: sunburns are not covered and for policies lasting more than 34 days and already purchased during the trip, there is a $ 50 deductible (except for Schengen, it does not exist there). But it is easy to get around the franchise by buying several policies in a row, they themselves advise to do so.

    Details on all conditions.

    4. Sberbank Insurance (Europ Assistance)

    LIFHAK. By my instructions, you can buy insurance from Sberbank in general for pennies for 90 days at once.

    I already had experience with this insurance: in Chiang Mai sent in excellent Chiangmai Ramin Bangkok to the good Vejthani Hospital, onPhuket in the so-so Siam International Clinic, and in Hua Hin already in the Bangkok Hospital itself. Why such a spread, I do not know. They wrote to me that in Phuket people were also sent to Bangkok Hospital ... In any case, this is the cheapest insurance to Thailand and in general in Asia now (tariffs are reduced). Its main plus price, so in the first place of the inexpensive. From personal experience and reviews - work. Not ideal, but again PRICE! Promotional code LIFETRIPRU for a discount of 9%.

    Sberbank Insurance at a discount>

    Pros: the default insurance includes a bunch of options, more than others: sunburn and allergies are covered, exacerbation of the chronicles with the threat of life for the entire sum insured, Dengue fever. The options “movement on a motorcycle / moped” are already included in the default contract (relevant for Taya), you do not need to add it separately. I am not a fan of Sberbank and its products, but there are no more budget options and workers. I bought it myself.

    Minuses: The main problem with Sberbank + Europ Assistance - they sometimes pull with an answer. However, there are completely positive reviews that everything was straightforward in general, and people asked for it at Bangkok Hospital, although they had originally proposed another. I also had a positive experience.

    Read more about all insurance conditions..

    5.Tinkoff (Europ Assistance)

    I think everyone knows Tinkoff Bank. A few negative reviews, you can buy. Assistance with Tinkoff insurance is now one - Europ Assistance. However, on the official website of Tinkoff-Insurance you can also see Mondial. I hasten to upset you, policies with these assistance have long ceased to sell (information left for those who bought policies earlier, will soon be removed). It is about the work of Europ Assistance together with Tinkoff reviews best.

    Prices at Tinkoff>

    Pros: insure dengue, for children under 3 years old a doctor may be called on the house. Cover the exacerbation of the chronicles at the threat of life. Insurance can be purchased already on a trip, but not being in the insurance territory.

    Cons: The price is higher than the Sberbank. Burns cover only for children under 14 years old. Riding a bike increases the cost of insurance. The maximum in the insurance territory can be 3 months.

    The remaining insurance

    6. Consent (Best Service)

    Cherehapa sells Accord policies with assistanceBest Service for Thailand (you need to choose any country from Southeast Asia). This is the Russian people organized assistance in Thailand and Indonesia. They have their own local call center there. Communicate by all forms of communication: all instant messengers, telephone, mail, Skype. They have representatives in all major cities and they have the opportunity to drive up to the clinic on their own to resolve issues. But there are very few reviews, it is not clear how Best will work. But the insurance itself has a good reputation for many years.

    If you choose none of the Southeast Asian countries in the countries, then there will be AP Companies, the average proven assistance. But for other countries, I'd rather take Allianz, the price is good there.

    Price for Consent (Best Service)>

    Pros: life threatens with exacerbations of chronic diseases up to $ 5000, when the majority gives only $ 1000. Allergies are covered. A good combination of price and quality, in my opinion.

    Minuses: Do not insure sunburn and dengue fever. However, if you believe the statistics, then the probability of falling ill Dengue is 10 times lower than the flu, especially if you do not climb into the jungle. But removed from the TOP. For children there is a raising factor depending on age. And for some countries may not sell policies for such children under 5 years of age (Thailand, for example). Riding a bike greatly increases the cost.

    7. Consent (Balt Assistance)

    Polis812 sells now Consent only with BaltAssistance (formerly Savitar). Type Consent decided that he works better for them in Thailand. Insurance turned out to be inexpensive, comparable to Sberbank. And cheaper than the Accord (Best Service). The insurance company itself is good and was not seen in obvious negative. Budget insurance, the price is low. Promotional code LIFETRIPRU for a discount of 9%.

    Discount Agreement>

    But as for me, with Balt it is better to take Arsenal, a bunch is better. But Arsenal, unfortunately, made a franchise. But the Consent does not insure Dengue.

    8. Alpha Insurance (Best Service and Class)

    With Alpha insurance there is such a life hack: if you buy the policy directly from them on the website, then it will be GVA, but through partners you will get better assistance. I specifically wrote to them and this is what they said to me, I quote: “We cooperate with various assistance companies. When you make a policy on our website, our partner is GVA. Our partners can sell policies from other assistants. ”

    Insurance with Best Service Assistance can be purchased now only through Cherehapa. Thailand and / or Indonesia - Best, other countries Class.

    Price Alpha (Best Service)>

    Pros: by default, dengue, stopping chronic diseases and allergies are included in medical insurance. Insurance can be made out while abroad. At the same time, there is no temporary franchise and no restrictions on stay, as in Liberty. But I think you should not go to the hospital on the day of purchase, they will check it hard.

    Cons: confusion with assistants, when what. And while there is no really reviews about Best. Do not include sunburn. Riding a bike greatly increases the cost.

    9. Ergo (Savitar)

    AXA abandoned in favor of Savitar, they say, he is betterworks. Earlier, there were few complaints about insurance, now we must look. If anyone does not know, then Ergo is almost the same ERV. You can buy a bunch of ERGO + Savitar from an intermediary, a separate product.

    Only policies with insurance amounts of 35,000 and 50,000 euros are available for purchase, regardless of the choice of the country (I recommend doing exactly 50 thousand).

    Ergo price>

    Pros: exacerbation of chronicles up to 1000 euros is included in the tour insurance, if possible there will be a doctor's call to the house (doctor on call). You can buy a policy when you are already abroad (list of such insurance), the cost does not increase, but the policy will take effect on the 6th day after the purchase.

    Minuses: Sunburns do not cover or insure Dengue. In order for insurance to include riding a bike (important for Taya), you need to turn on the “Motorcycle / moped control” option in the search form, where the country and the date are, but the price increases. </ span>

    10. Zetta (AP Companies)

    They are very friendly with AP Companies and processes.coordination they have established very well. Thus, you can buy insurance with the assistance of AP Companies from Zetta, a good and working option. The cost of the policy is normal. Zetta stopped selling insurance to Thailand for a period longer than 30 days, apparently optimizing costs.

    Zetta prices>

    Pros: Dengue is included in the insurance, emergency dentistry and exacerbation of the chronicle.

    Cons: does not include allergies and sunburn. We made a 50 ue franchise (except for Schengen), so I removed it from the TOP.

    11. Arsenal (Balt Assistance)

    Despite the fact that this insurance fewknows (not on hearing), it exists for a long time. Just not doing much retail sales. Now we have decided to actively promote this area. Negative reviews are few. Despite the average assistance, it is in the Arsenal + Cherehapa + Balt bundle that work well. That is, you only need to take through Cherehapa, since for them they will be one of the main sales channels and will listen. Insurance is inexpensive!

    For Thailand, they sell policies only with insurance amounts of $ 50 thousand and $ 100 thousand.

    Arsenal prices>

    Pros: By default, the insurance covers the cost of exacerbation of the chronicle in case of a life threatening for the entire sum insured. For this you need to put a tick in Cherephe "Relief of complications of chronic diseases." Dengue insurance, riding a bike (important for Taya) without increasing the cost of the policy with this option, emergency dentistry. They have a lot of options for a small price.

    Cons: sunburn insurance only for children up to 15 years. Franchise $ 50, therefore, removed from the rating, like all insurance with deductibles.

    12. Hyde (Savitar)

    Low cost insurance available for purchase throughPolis812. Savitar mediocre assistance and insurance is normal, but there are few reviews on insurance. It is not clear how good this bundle is, but the price pleases, of course. Promotional code LIFETRIPRU for a discount of 9%.

    Price on Guide with discount>

    By the way, Savitar is good at sayingclinic, which sends in a particular city. But I’ll say right away that Tripinsurance can also be found out, and sometimes you can ask Europ Assistance. The main plus Haide - the price. The main disadvantage is that they do not insure Dengue (but this is important only for Asia).

    13. Liberty (Class assistance)

    In the past, Liberty was a Class Insurance Company andit included Class-assistance assistance. The company resold several times and eventually became Liberty, and Class-assistance became an independent company. But links with Liberty have remained, they serve the entire Liberty insurance portfolio and have a direct impact on Class-assistance, that is, issues are resolved faster and better, so if you take the Class, then only Liberty.

    Recently, there have been a lot of bad reviews. I used to buy them in Thailand, in Europe and China, but now I do not recommend it. However, someone still likes Liberty. The price is low.

    Liberty (Program B)>

    Insure dengue, sunburn, allergies,exacerbation of chronicles for $ 2000 (program A) and for $ 3000 (program B). Insurance can be purchased already from abroad, with a temporary delay, the policy will take effect 5 days from the date of purchase, in order to eliminate fraud.

    For insurance, there is a deductible of $ 30 for Asia, which is bad. Up to 8 years for children the raising factor, the younger, the more expensive.

    You need to know that Liberty has a rule: "Maximum 182 days within 365 days in the country of insurance." The exception is a student visa. Accordingly, it is possible not to return to Russia for years, but it is important to change the host country, at least once every six months.

    14. Absolute Insurance (Balt, Europ Assistance and Savitar)

    In the last year in all directions they are prices.raised by 2-3 times and made a franchise of 50 ye (except Schengen). The company suffered heavy losses due to Asian destinations, so that's it. So, I would consider them the maximum in Schengen, and for Thailand or “The whole world” I would take other policies. Promotional code LIFETRIPRU for a discount of 9%.

    Absolute discount>

    Absolute used to be called Europolis, thereforein fact, they have long been on the market, they have an old Zetta team. The coverage is good and there are no special problems with them. An exacerbation of the chronicles at life threatening insure up to $ 1000, insure dengue and allergies. And sunburns and riding a bike do not cover.

    15. Ingosstrakh (Asiser, Remed and Balt)

    Several assistants and they differ independing on the country. Much tough. Remed Assistance from Turkey, Bulgaria and Egypt. Asiser Assistance to Andorra, Spain, Italy, Cuba and the Dominican Republic. For the rest of Balt Assistance, including in Thailand.

    Price Ingosstrakh>

    Assistance for Ty is average, and the price of insurancevery tall, very straight. And while there is still a franchise of $ 50 for Asia, do not cover sunburn and allergies, exacerbation of the chronicles cover only within 5% of the sum insured. It's a mystery to me why buy them at such prices. It’s more logical to take Allianz or Tripinsurance then, cheaper and better insurance.

    Of the benefits - insure Dengue. Another of the important points for Asia - the policy should be issued no later than 5 days before the trip, and its duration should be from 7 days. Previously, Ingostrakh sent to Bangkok Hospital, now rarely.

    Renaissance Insurance (FIRSTassist, GVA and Class)

    Here is what they answered me in the call-center insurance: “When you make a policy on the Renaissance website, there will be one of the 3 service companies: FIRSTassist, GVA and Class. FIRSTassist only for Turkey. On what basis will the GVA or Class call center be assigned such information? ” Hmm. If insurance itself doesn’t know, how do we know travelers?

    If you take, then through Cherehapa, there will definitely be a Class. Although I do not see much point in this purchase.

    Insurance for children under the age of 1 year costscheaper than other companies (except Sberbank, it is cheaper than all). Dengue enters, exacerbation of chronicles, allergies, sunburn, help with terrorist attacks. The policy can be bought already during the trip. Of the minuses - franchise $ 50.

    Rosgosstrakh (GVA and others)

    A little strange situation with this insurance,Assistance is not known in advance and will be assigned when an insured event occurs. These may be: GVA, Europ Assistance, Fidelitas Assistance, Savitar Group, Balt Assistance. Good or bad, depends on how lucky, apparently. Among travelers, not very popular insurance.

    But according to the insurance contract thisthe company covers the cost of exacerbation of chronic diseases with a life threat of 1000 ye in default and in the amount of 10% of the sum insured, if the option “Relief of complications of chronic diseases” is selected. In the latter case, if insured for $ 100 thousand, the exacerbation of the chronicles will cover $ 10 thousand. Moreover, it was not important to know about the chronicle in advance or not. Burns and all sorts of allergies also cover.

    Reso-Guarantee (Europe Assistance)

    Once worked with AXA, but with the crisis went tocheaper assistance. Technical support is so-so. Regarding the assistencies, this is what they said to me: “If you purchase a policy at the RESO office, then the service company in most countries — Europe Assistance, Bulgaria — Fidelitas, Turkey and Egypt — Remed.” Europ Assistance will be in Tae. For the high price that they offer policies, I would think 10 times whether to buy with such assistance.

    Feedback, both positive and negative. Insure dengue. Franchise $ 50, do not cover allergies and sunburn.

    VTB (GVA)

    Very expensive (sometime some cheap),therefore, it is no longer necessary to consider, at this price there are much better options. Moreover, they have GVA assistance, which is not very good, and many hospitals have stopped working with GVA at all. As for Asia, they had problems, as far as I know, therefore, when choosing Thailand in Cherehap, you will not see VTB at all in the results. Anyways, if they take, then for Schengen only.

    Alpha Insurance (GVA)

    Separately mention the Alpha with GVA. Such an assistance will be when buying on the official website, so I would not consider this option at all, it would be better for Alpha through Cherehap, as I wrote above, if at all. You can buy insurance from Alpha from abroad.

    UralSIB (Savitar, Coris and GVA)

    Assistants so-so and negative feedback on Urasibu very much in 2018. I would not take it, but you yourself look.

    Military Insurance Company VSK (MedAssist International)

    A rather muddy company and with vagueterms of the insurance contract. Once worked with Class, but now they have MedAssist. And if you come to the office in person, in different cities you can sell the policy with other assistance, a list of which is nowhere to be seen. The reviews are bad, they often write that insurance offers to pay for everything on their own, which is why the sense in such insurance is lost.

    Insurance online comes without a franchise. But if the policy goes along with the tour, then it can be generally “not working” - a deductible of $ 200 for children under 2 years old and for those over 70.

    • I want an inexpensive working tour insurance - we buy Sberbank. For the price there are no alternatives now.
    • It is possible to take more expensive - buy ERV. She is the BEST FOR THAILAND.

    What is assistance and why is it important?

    Few people know, but not only the insurance company is important, but also its assistance.

    Assistance is a service company that willdeal with you abroad in case of an insured event and refer you to the hospital. Each insurance company has a contract with a specific assistance, and already the assistance will have contracts with hospitals. It is the assistance phone listed on your insurance policy. You will call and communicate only with the assistance. Assistance does not sell policies.

    Therefore, you need to choose and assistance, too, but rathereven a bunch of Insurance + Assistance. It is best to read reviews for a specific country, but the top ones work fine in all countries. But be prepared that for each assistance and insurance will be negative. This is a normal situation and it should be taken for granted. Such is the insurance business, all within the framework of the insurance contract. Something did not take into account your problems.

    Assistance rating

  • Evro-Center Holding
  • Allianz Global Assistance (AGA), formerly Mondial
  • Tripinsurance
  • Axa assistance (AXA)
  • Europ Assistance
  • AP Companies
  • Savitar
  • Best Service
  • Balt assistance
  • Class assistance (Class)
  • Global Voyager Assistance (GVA)
  • MedAssist
  • For example, about GVA a lot of badreviews. And in recent years I have seen that many insurance companies have ceased to cooperate with them. They write that Bangkok Pattaya Hospital does not work with GVA because of their debts and non-payment. For myself, I decided not to get involved in GVA, at least for Asia, and you decide. MedAssist is also somewhere at the bottom. And Allianz, on the contrary, in the TOP.

    You need to know that not all hospitals in a particularthe city will have a contract with your assurance. Therefore, you will be sent to the one with which there is an agreement. In very small cities, in general, there may not be such a hospital. I myself have encountered this in China. The situation will be resolved on the spot: they may offer to go to a nearby large city at their own expense (with subsequent reimbursement), or they will offer to pay for their own treatment and receive a refund upon returning to Russia. The last option should be avoided! You can get nothing, because not enough of the necessary paper.

    Unfortunately, to know in advance for sure where yousend, will not work, insurance and assistance will not tell you. Perhaps it all depends on the complexity of the case, economic feasibility, etc., so as not to bind yourself. they say nothing. Only Tripinsurance answers such questions and it is very convenient.

    Where to buy insurance in Thailand

    I recommend checking the price of insurance fortrips to Thailand at once in several services. There may be discounts. It is absolutely safe to buy through them, it has been checked by me repeatedly, constantly buying for myself and my friends / relatives. Policies are always in the bases of insurance.

    Prices for insurance are usually lower than on the websites of insurance companies. Due to the large number of sales they can afford it.

    Polis812

    Polis812 is an agency that deals a lotyears of visas in Moscow and St. Petersburg. They have been on the market for a long time. Polis812 beat out the special insurance prices and now offer some very good options (they are in my TOP). Few filters, but the most important options are shown immediately beside each insurance.

    Check prices on Polis812>

    All policies purchased on Polis812 can be returned without penalty before their actions start. Everything is done online, do not have to go to the office of the insurance company.

    Cherehapa

    Cherehapa - I have been using them since 2012, and they are not ashamed to recommend them, a really high-quality website without glitches and very thoughtful. A lot of filters to find the right insurance. I wrote detailed instruction on Cherehape.

    Check prices for Cherehapa>

    • Very convenient filter options, no one has that. You can quickly choose insurance for specific options, including Dengue, insurance chronicles, and so on.
    • Insurance purchased on Cherehape can be returned(online!) before the trip without fines, that is, get all your money back. And some insurance may require to cancel the policy directly in the office.
    • Cool tech support, knows the answers to all questions on insurance.

    Instore

    Another service worth punchinginsurance. The cool feature is their option "Telemedicine", which allows you to communicate with the Russian-speaking doctor 24 hours a day online through the application (I recommend to immediately put). Not only general practitioners and pediatricians are available, but also narrow specialists, including nutritionists. It is useful, if you do not know whether it is worth going to the hospital, to understand whether the correct diagnosis was made, to check the doctor’s appointments from the hospital.

    You can consult not only before and after visiting the hospital, but also during the reception to ask any other questions or to clarify something. Very useful.

    The option is included in all policies more expensive than 5000 rubles, and in any ERV policies, which are now top in Thailand. Telemedicine can also be bought for a ridiculous amount of 100-250 rubles, which is very little by modern standards.

    Check prices on Instore>

    Sravni

    And this company was previously engaged in comparing prices for CTP and CASCO. But then they made another tour of insurance. Sometimes they skip discounts, so we check here too.

    Check prices on Sravni>

    Frequently asked Questions

    Is travel insurance required in Thailand?

    • No matter how some bloggers refer to Law No.132-FZ on compulsory insurance, insurance in Thailand is a voluntary matter. But having taught my experience, I highly recommend it to be done, it is your health and your children. Compared to the cost of medicine in Tae, insurance costs a penny. 1-2 doctor's appointments will easily pay for insurance, and 1 day in the hospital will exceed its cost several times.

    Is medicine expensive in Thailand?

    • Highly. You can simply not be able to pay the hospital if something serious happens, as I once did: the bill amounted to 1.5 million baht (3 million rubles). 1 day a day in the hospital, so that a dropper can drip at a high temperature (which often happens) costs 500-3000 $. If you fall on the bike, then calmly pay 10 thousand dollars for the treatment.

    Do I need the original policy with a stamp?

    • The original is not needed, enough electronic file. There is no need to go to the insurance office. I went to the hospital many times, they didn’t even ask for a printout, I always sent them to email.

    What is a franchise?

    • Deductible means what fixed amount youwill pay each time when the insured event. And only the account above this amount will be paid by the insurance company. Usually a franchise is 30-50 ye.

    What is an annual policy?

    • A policy that is valid throughout the year. But there are always limitations. For example, a total of all trips can be spent abroad for 45 days. Another option - the number of trips in the same way is not limited, but insurance only works the first 45 days of each trip.

    Can I buy insurance while in Thailand?

    • Not all insurance companies are allowed to do this. When buying, it is necessary to put a tick "I already travel", then in the list you will see only those who allow. Here I have list of such insurance. I recommend taking Allianz.

    How to use travel insurance

    I applied for insurance many times duringtrips: to Thailand, Hong Kong, Poland, China. So experience is enough. I have many posts, how this or that insurance behaved, but the most serious experience was in Phuket with the company ERV. Son landed with pneumonia in intensive care (post about this experience). There even transportation by sanaviation to Bangkok was, oh, how.

    The main rules: During the call for assistance, you must say that you are very bad and you definitely need a doctor! And do not even think about saying that you are sick in Russia.

    Sequencing:

  • After the insured event (for example,the temperature has risen) you need to call your Assistance phone number listed in the policy (usually Moscow), and not go directly to the hospital. Assistance will tell you where to go.
  • As a rule, in the assistance you are told that the searchThe hospital will take 1-2 hours and they will call you back, send SMS. If possible, give your local number, not Russian, so it was cheaper. Or ask if there is an opportunity to communicate via instant messenger. If you are not contacted after a specified time, call yourself.
  • Going to the designated hospital. Do not forget your passport and smartphone. At the reception, say that you are on insurance and you were told to go here. You may be asked to show a printout of the policy or send a file by email (so always keep the policy file on your phone or in the mail).
  • If the staff already knows about you, then everything is fine. If not, then the assistance has not yet sent a letter of guarantee (or it has not reached). We call the assistance again and say that let's hurry, I'm already in the hospital.
  • After receiving the letter of guarantee by the hospital, you may be asked to leave the passport as a security deposit. This is a common practice, but it happens more often when buying cheap insurance.
  • Go to the doctor for a checkup. Then you go to the hospital pharmacy, where they give you medicine. All this should be free. Next, you return the passport (if taken) and you go back to the hotel.
  • If the passport is not given, then take the numberhospital phone number, where to call to find out when you can pick up a passport. And call the assistance and tell the situation. If they say wait, wait. If you wait a long time, then you go to the hotel and from there call the assistance again and rush him - they say, you will fly away soon. In the worst case, they will give it to you in 3 days.
  • Do not self-medicate and do not talk aboutHim assistance. Maximum antipyretic. Insurance can refuse to pay if you decide to drink some pills on your own or refused to take those that your doctor prescribed.

    How to call Russia cheaply>

    If a situation suddenly arises that your insurancefor a long time does not give the hospital a guarantee letter about the payment of expenses, call not only the assistance, but also the insurance itself, swear to them. Insurance can offer to pay all on their own, and on return to pay you compensation. Better wait and do not settle! Let them pay, otherwise it will be difficult to return the money, you may not have any important pieces of paper.

    If you are in a small town where there is nothe hospital with which the assistance works, then you have to pay yourself. This is a common practice. The same if you want to go to another hospital, and not to the appointed assistant. In this case, the refund goes only through compensation upon return to Russia. However, remember, you must notify the assistance about all your actions.

    If the doctor has appointed you a second appointment or procedure, then it is imperative that you call the assistant before the next visit to the hospital and agree everything, whether they will pay for it or not.

    What you need to know before you buy

    Important Insurance Terms

    • Almost no one insures the current day, sobuy insurance for at least a few days. It is better if the day of the flight will also be included in the insurance. Always specify the conditions of the annual policy: how many insured days are included during the year, is the number of trips limited.
    • Find out if your insurance has a deductible, standard $ 50.
    • The amount of insurance coverage is better to choose $ 50,000 and more, especially for a child. Believe me, I know what I'm talking about.
    • No travel insurance valid,if alcohol was found in the blood. But one insurance can say that there should be no alcohol in any scenario, the other - that there will be no payment if the insured event was as a result of alcohol. But for colds, a blood test for alcohol is not exactly taken, tested many times. So we are talking about the refusal of insurance while driving drunk or in some other cases involving injuries (such as a drunk went and fell).
    • Few insurance covers infectious / tropical diseases, such as hepatitis or yellow fever, from which vaccinations should be given. Dengue fever, on the contrary, cover many.

      Chronic diseases insure onlylife threatening and often for a limited amount of about 1000-5000 ye. If certain options are important to you, be sure to ask a question in the Cherehapy chat or Polis812, they will give you the exact answer. Just in the call-center insurance often sit operators who do not know anything. With disabled insurance in general, everything is difficult.

    • List all countries where you are going to beTime travel. But keep in mind that if for some countries the maximum tariff is used, then all insurance will pass on this tariff. Sometimes it's easier to choose “All World” at once,
      than to list.
    • If you go to a particular wilderness (village,small town), then be prepared, either to pay for everything yourself (and then demand a refund), or go to the nearest major city to the indicated hospital. In general, the main rule here is - you want qualified medical care, go to a large resort, and not to fart. Especially, this is true for families with children. And yes, you shouldn’t really save money on travel insurance, it’s going sideways.
    • If the insurance is purchased during the trip, thenshe can begin to act only after 5-6 days. Such protection against those scammers who buy insurance after the insured event. But the right travelers buy insurance in Russia, then it starts working from the moment of crossing the border. But here insurance listthat allow the purchase from abroad.
    • With insurance for pregnant women a separate story, few people want to take such risks. Under the link my list of insurance with normal conditions.

    Additional options for insurance

    • One of the most useful options - baggage insurance. Although it increases the cost of a little tour insurance,quite useful, especially if your baggage is not only shorts and t-shirts, but also some more valuable items. Please note that if you buy this option, the insurance start date must be on the day of departure from the country of residence in order to “capture” the flight.
    • Accident insurance actually meansthe payment is already on return home, and with a small percentage of the sum insured. That is, upon death, 100% is issued, with bruises and fractures, 5-10% is paid. However, it does not cover medical expenses and in fact does not help you in any way abroad. Very detailed about the need for accident insurance. Read and decide whether you need this option.
    • Also read about the option travel ban. In my opinion, it is rather doubtful for independent travelers and increases the cost of insurance, but in some cases you can buy it.
    • If you are going to ride a bike in the sameThailand, you will have to choose the option "Active rest" or "Sport" (the names may be different from the insurance). Although, for example, Tripinsurance initially takes into account falls from a bike, but this is rare. True, their insurance and more than others. But any other insurance with such an option becomes more expensive. It is important to note that you still must have category “A” rights to drive a motorcycle, and there must be no alcohol in your blood. That is why those travelers, who make cheap insurance, do not have a driver's license and options for bikes, then they stick in history. Yes, there is a possibility that the insurance will cover even without a license, for example, if you say that the passenger was driving, or even a tuk-tuk, and the driver disappeared from the scene of the incident. But no one will tell you in advance whether such an option will take you.

    P.S. Do not be ill! Ask questions if something is not clear.

    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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