How travel insurance from Sberbank works in Thailand

A fresh review of the appeal for Sberbank insurance. The usual one, which is with Europ Assistance, not Mondial. As always, personal experience, I documented everything, now I am sharing with you.

Of course, the case is not serious, but it is still a check on how this or that insurance and specific assistance works. But you yourself understand, I really would not like to have serious cases, I have already had enough.

The content of the article

How Europ Assistance worked

Here is my life hack, how to get annual insurance from Sberbank for 90 days only 3700 rubles. If there are fewer days, then, accordingly, it will be cheaper.

It was in Chiang Mai, otitis media or something like that - stuffy nose, stuffy ear and some noises in it. In short, not fatal, but when it lasts for several days, it starts to strain, given that otitis media is an insidious thing and then you can get many complications up to hospitalization.

So. Friday evening, 21.45. I call Europ Assistance with Skype, and I call right away. They asked which insurance company, my data and policy data, city of location and which complaint. We clarified what date the policy was bought and when I entered Thailand, but they did not ask to send a scan of my passport with a border stamp. It was further said that organizing assistance would take about an hour. They will call the local Thai number that I dictated to them.

The conversation took 4 minutes. Spent 10 cents, ridiculous price. The price from Skype was 2 times cheaper than from Viber. Never call from a Russian sim card. Every time I read reviews about the fact that thousands of rubles were spent on calls and am amazed. Why is that? Read my post How to call Russia from abroad.

After 45 minutes, an SMS comes in that they ask you to wait until morning. Hmm, as written in the reviews, leisurely. I'm not dying, it's not a problem to wait.

I call back myself the next morning. Operator - they say, we already called you, found the hospital, but your phone was unavailable, now we will throw off the address of the hospital in SMS. Okay, figs with you, I know for sure that I did not turn off the phone and it was available. But, however, within 5 minutes after my call, an SMS came to the Thai number.

Chiangmai Ram Hospital. 8 Boonreungrit Rd., A. Muang Chiang Mai, 50200, Thailand. http://www.chiangmairam.com/, +6653920300. EA

Visit to Chiangmai Ram Hospital

A hospital of the level of the Bangkok Hospital network, that is, a top-end one, so everything is in order. I googled where it is, and it turned out very conveniently, right in the center of the city near the square, where I walk for about 20 minutes, I don't even need to take a taxi.

When I arrived at the hospital, the letter of guarantee was already at the reception! To be honest, I did not expect that everything would be so prompt. It happened that with insurance of a class higher, I had to call the insurance company from the hospital and ask them to send a guarantee as soon as possible. By the way, I looked into the letter while I was filling out the documents, and it was written there that 100 bucks for an appointment are covered immediately, without any approvals.

They did not take a passport or money as a deposit, this is also a plus in the karma of insurance.

Chiangmai Ram Hospital

Normal modern hospital

Complimentary water, coffee and tea

Then everything is standard - measuring temperature, pressure, weight. After visiting a doctor. I didn't expect anything anywhere. Well, I spent 5 minutes in the queue to the ENT. And it’s good that they sent them directly to the ENT, otherwise they could have sent them to the therapist first.

The doctor spoke normal English, so I told him everything without any problems, he looked at his ear and said that everything was not so bad, after which he prescribed pills: antibiotics, pain relievers, and nasal congestion. The doctor said that if it does not help, then you will have to come in another week.

Then I went to the cashier, where I signed a piece of paper that the insurance pays for everything. And then in the next window in the pharmacy I received all the medicines prescribed for me with signatures, when and how much to take.

My medicine bag

More than

For each drug, a detailed description

4 days after the visit from the assistance they called my Thai number and asked how the reception went, whether they asked me for money for hospital visits or a passport as a deposit, how was my health, etc..

My review about Sberbank insurance

For a doctor's appointment, a nurse's examination and medication, the bill was - 3218 baht.

The cost of insurance was completely repulsed, because it cost about that much. Only I have 2 more months of travel ahead and you can safely use the insurance for other insured events. One more appeal and I'm already going into a plus.

Order insurance with a discount>

I do not argue, you could go to buy medicines for 1000 baht yourself, to get medical treatment yourself, but do I need it? What if complications or hospitalization? To be honest, I'm not a fan of self-medication, if it's not about a headache or just a mild cold. But that's how, of course, everyone decides for himself.

Hospital bill

Here is such a positive review for the travel insurance of Sberbank. There is really nothing to complain about, except that they could not immediately give me a doctor in the evening. But the situation was not critical either..

It may well be that in the south of Thailand, where there are many more tourists and, accordingly, calls, the situation will be worse. Otherwise I «lucky» get sick with this insurance only to the north. In the past years there was experience in Hua Hin (sent to Bangkok Hospital) and Bangkok (sent to Vejthani Hospital), both hospitals are good.

P.S. If anyone has used it in Phuket, Koh Samui, Pattaya, tell us. Interesting.

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