Not a frequent question on a blog, however, the information is important. It is very useful for those who have one or another disability, chronic disease, and at the same time travels. There are some things you should definitely know. Unfortunately, you can't just buy the first travel insurance you come across and take it easy. And in principle, this applies to all people in general, and not just disabled people. All other nuances, no less important, in my post - medical travel insurance.
The content of the article
- one Disability insurance, how it works
- 2 Insurance companies that do not insure groups I and II
- 3 Insurance companies that insure with restrictions
- 4 Insurance that insures everyone
Disability insurance, how it works
If at the time of purchasing the policy you did not inform the insurance company about the presence of a disability of a particular category, the insurer has the right to invalidate the policy. It is difficult to say how this will be checked, so it is better to warn. Or you can ask in Cherekhap which specific insurance company needs to be notified and how and which not, they track all the latest changes.
First of all, you need to understand that exacerbation of chronic diseases and disability are different risks. That is, if you tick the checkbox Relief of exacerbation of chronic diseases in the search filter in the Cherekhapa service, or find yourself in the insurance contract to cover the exacerbation of chronic diseases (many companies cover exacerbation in case of a life threat of $ 1000-5000), then this does not guarantee you at all payment of an insured event in the presence of a disability. So let's say a chronic illness is not equal to a disability. Take, for example, a chronic runny nose, this does not mean disability at all, I hope it's understandable.
Now I'll tell you how it works, although everything is a little unclear, those insurance bugs are still bugs. Assistance and the insurance company cannot find out in any way whether a person has an official disability or not, since there is no such database with a list of disabled people. But! The doctor in the hospital, when applying for an insured event, will describe the patient's condition and then transfer all this information to the service department (assistance). What the doctor will write there is a question. But if the disability is visible to the naked eye and at least somehow could affect the course of the disease with which you turned to this doctor, then the data about it will definitely be in the conclusion. That is, the point is not at all whether you have an official disability or not..
So, if the insured does not have an official disability, then the service department will make a decision along the way. Refunds may be subject to risk «relief and exacerbation of chronic diseases», and perhaps there will be a refusal. Such situations are not spelled out anywhere and the decision is made each time on an individual basis. Hence the conclusion: it is better not initially to contact companies that do not insure people with disabilities..
Insurance companies that do not insure groups I and II
Tripinsurance
Absolute-Insurance (Europ Assistance)
Zetta (AP Companies)
VTB (GVA)
Arsenal (Balt Assistance)
Reso-Guarantee (Europ Assistance)
Russian Standard (AP Companies)
Insurance companies that insure with restrictions
Absolut-Insurance (Europ Assistance) and Tripinsurance: insures III group of disability, but disabled children (they do not have a group) are not insured at all. Aggravation of the chronicle in case of a threat to life is insured up to $ 1000. No need to warn that you have a disability.
Liberty (Class-Assistance): does not insure disabled people of group I and patients with cancer. Exacerbation of the chronicle with a threat to life is covered by $ 2000 (program A) and $ 3000 (program B, which is through Cherekhapa).
Rosgosstrakh (GVA and others, depending on the country): insures, but additional coordination with the insurance company is required, and if the decision is positive, you will have to fill out a special mandatory questionnaire. Covers the costs of exacerbation of chronic diseases with a threat to life in the amount of 1000 ye by default and in the amount of 10% of the sum insured, if the option is selected «Relief of complications of chronic diseases» on Cherekhap. But in general, it is always worth checking this box if the option is relevant for you, so that such a risk would be included in the policy. By the way, I know that this particular insurance is often used for disabled children, I read about it on the forums.
Reso-Guarantee (Europ Assistance): does not insure disabled children. Very cleverly written about the aggravation of the chronicle with a threat to life. There is no limit on the amount, but the insurer has the right to reduce the insured amount at its discretion. Here's how you want, so understand.
Insurance that insures everyone
Sberbank-Insurance (Europ Assistance): The insurance includes an aggravation of the chronicle in case of a threat to life for the entire insured amount.
Tinkoff (Europ Assistance): In terms of aggravating the chronicle with a threat to life, I did not find any restrictions on the amount in the contract, that is, for the entire amount.
Ingosstrakh (Smile, Remed): Covertly written, but they insure exacerbation of chronic diseases in case of a threat to life, and there is no limit on the amount, did not find it in the contract.
Renaissance insurance (Europ Assistance): Covers a sudden acute illness or exacerbation of a chronic illness. Moreover, it is not indicated that in case of a threat to life, therefore «exacerbation» sort of interpret it differently. But I would not count on curing the chronicle without a clear urgency to do so. I did not find any restrictions on the amount in the contract.
Alpha Insurance (GVA, Class, Savitar): Covers exacerbation of chronic diseases only when life is threatened. The liability limit in this case is 3% of the sum insured.
