Travel insurance in the different countries: what you need to know before you leave

How to use travel insurance

Travel insurance protects against unexpected expenses on vacation. If you something happens - for example, you'll catch cold, falls from ladders or poison exotic dish - you pay the full treatment and medication. But to take advantage of the insurance, you need to remember the rules, common to all countries.

• Before the trip, locate and save the phone number of assistance. It is a service company that organizes treatment for your insurance. Her number is in the insurance policy.
• If an insured event occurs, immediately call in the assistance. The operator will explain what to do in this situation or will send to the aid of its representative. If you'll go to the doctor themselves, there is a risk that you will have to pay and treatment: the company does not always compensate for the self-treatment.
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• Keep all your receipts, statements and receipts. They need to pay the insurance company for reimbursement.
• Basic insurance does not cover many cases. For example, trauma from extreme entertainment and recreation - of such as surfing lessons. If you are going to ski or snowboard in the form to policy that covers the risks associated with winter sports. And if you arrive by sea, add a "beach" option.
• Sunburns are not insured event. Their treatment is not covered by any insurance policy. Be careful and do not forget to regularly use sunscreen.
• Do not use alcohol as an anesthetic. If Tourists will find alcohol, the case is automatically not insurance in the blood. Will have to pay for the treatment yourself, despite the existence of the policy.
• Beware of drugs. It is fraught with imprisonment, and insurance will not help you.

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Thailand

In this country you are empty and without insurance, but this is where it is most needed, and in the first place to you, except for acute intestinal infections can be picked up hereYellow Fever & Malaria Information, by Country malaria, sickWHO: Dengue and severe dengue. dengue fever, fall off the bike, or simply fall down the stairs. And in the azure sea swim very real sharks.

In Thailand, there is no free medicine. Absolutely. If you travel without insurance and are in trouble, you have to pay for treatment out of their money.

For example, for acute intestinal infection will give about 1200 bat ($ 36) for receiving and physician 2500 THB ($ 70) for the medication. Hospitalization at the International Hospital in Phuket for a day costs 14,000 baht (US $ 420).

medicine Features

• Call an ambulance fee. The average cost is about 2000 baht ($ 60). Call for emergency assistance can line 191.
• The ambulances are no doctors. If you feel bad, you can call the "fast", but her task - to stabilize the patient and take him to the clinic. Therefore, the team consists of nurses.
• ambulance waiting time - from one hour or more. If a tourist health allows, it is better to call a taxi and get to the hospital yourself: tuk-tuks fully at every step. It is not only faster but also cheaper: the cost of travel will be less than an average of 25%.
• In many clinics, patients are asked to leave your passport as a deposit. Documents returned after the payment service provider or the full cost of the insurance company.
• In Phuket and Pattaya, almost every hospital has a Russian-speaking staff. On all the other resorts of the medical staff speak good English. To translate the diagnosis and treatment, which is prescribed by a doctor, you can contact the customer service assistance your insurance company.

Bulgaria

We are accustomed to thinking of Bulgaria national budget. But if you go there without health insurance, you can get to the bank. The same one that you want to save, skiing in Bulgaria, and not the French Alps.

Ski holidays accompanied by injuries of varying severity. You can get rid of slight tension, which will take a few days rest, but on the slopes can happen and severe bruises, sprains and fractures. And there is not enough without a doctor. Do not forget about the classic winter illnesses: colds, flu, sore throat or skin frostbite.

medicine Features

• High prices for medical services. Even despite the fact that the cost of living in Bulgaria is much lower than in Western Europe, doctors are receiving expensive. Consulting a specialist can cost several hundred euros.
• Multidisciplinary medical centers are located in major cities - Bourgas, Varna and Sofia. Do not expect to find a clinic with modern equipment in a mountain village - there may be only minor trauma centers.
• In critical situations, the ambulance arrives in Bulgaria for free. It is possible to use 112 or 150. Sometimes the ambulance crew is trying to get money from foreigners, but it is illegal.

Spain

Winter in Spain is quite warm, but wet. Room is not heated, so supercooled, and catch a cold - simple, even when it's 20. Spanish cuisine with an abundance of grilled meat and wine - is also a risk factor for your health.

Do not forget that in Spain need a special insurance for employment by active or extreme sports. These include rock climbing, scuba diving, hunting, skiing, skydiving. If an insured event, you will have a standard policy, in compensation for the cost of treatment will be denied.

medicine Features

• Consultation with a doctor is worth between 50 and 200 euros, depending on the region. Assignment tests, treatment or hospitalization can cost thousands or tens of thousands of euros.
• In a small town by the sea does not provide a full range of medical services. Worry because this is not necessary: ​​first aid quality will local doctors. When serious diseases that require hospitalization and treatment, you will be sent in the big city - the doctors of narrow specialties work there. For example, holidaymakers in the resort of Salou, a popular among Russian tourists who went to the clinic in Reus and Tarragona - get will likely just have to own.
• Emergency assistance in Spain is just in the clinic. Brigade "first aid" only stabilizes the condition of the victim and takes him to the place of treatment.
• Ambulance in Spain leaves only in critical situations. If your life is not in danger, most likely will not come fast. And it is most often paid services.
• The average waiting time of emergency - 30-60 minutes. You can call an ambulance by number 112 from your phone or from the reception of the hotel at number 061.

Italy

Italy is always good, including winter: Christmas fairy tale atmosphere, the season of sales after New Year, the peak of cultural activities, thermal and ski resorts - and all this without the crowds of tourists.

In order not to spoil the perfect vacation, it is necessary to take care of health - in fact there are so many temptations. For example, popular in Italy, all you can eat format, where you pay a small fixed amount and order whatever you want. Such institutions, especially if it's sushi bars, often neglected quality standards, resulting in food poisoning. About the possibility of injury, we have already mentioned ski resorts.

medicine Features

• In 99% of cases the first visit will be assigned to a general practitioner. And only then, if indicated, you will be referred to a specialist.
• In emergency situations and in threatened please call 118 for life. Ambulance will provide first aid and transporting the patient to a medical facility. If there is no threat to life, in the emergency room will have to go on their own.
• In the emergency room, doctors assess the situation and will designate a color code. If the situation is not really an emergency, for services rendered will have to pay as if you just turned to the doctor. The amount varies depending on the region. But if you call for an ambulance, coordinating treatment with the assistance service, all the expenses will pay the insurance company.
  codice bianco - white code, completely lack of urgency and a threat to life.
  codice verde - green code, the low urgency, patient care is in the queue order.
  codice giallo - yellow code, average term, severe pain or disorders of vital functions.
  codice rosso - Code Red, an emergency, the patient requires immediate assistance.
• In Italy, private clinics Medical services are very expensive. For example, a simple consultation usually costs 70-200 euros.

Cuba

Last socialist bulwark in the Caribbean takes Russian tourists with open arms - here needs a minimum of documents for entry. You will need a passport, proof of funds for the trip, or a tourist voucher and a completed migration card at the airport.

But insurance still do better: the threat is fraught with even the water. It contains micro-organisms that cause stomach problems. You do not even need to drink water from the tap: the ice in a mojito and caipirinha made from this water. Local mosquitoes spreadHealth Information for Travelers to Cuba different tropical infections, such as dangerous Zika virus. And unfortunately, there is always the chance of running into a sea urchin in the water.

medicine Features

• You can not fear for the quality of medical services. Cuban doctors are learning about 9 years old and able to do the most complex operations.
• Most doctors work in big cities. This Havana, Santiago de Cuba, Cayo Santa Maria - in the case of complex trauma victim is hospitalized in one of them.
• Medical services for foreigners living in Cuba, free of charge. Tourists have to pay.
• Waiting for an ambulance in Cuba can last for several hours. To call a Cuban ambulance: 104.

Turkey

Stay in Turkey without insurance is risky, unless you are going to spend your entire vacation in the room watching local TV shows. Climate change, unlimited food and drink, the desire to rest on the full - is not an exhaustive list of hazards on the Turkish resorts.

In Turkey, all medical services are paid for tourists.

Without insurance appointment with a doctor will cost about $ 30-60, and the cost of one day in the hospital - from 80 to 300 dollars. Therefore, before going to determine how well you are planning a vacation to include adequate insurance coverage policy.

medicine Features

• Gastric disorders and overheating- the most common reasons for visits to doctors for tourists. To treat fairly basic insurance.
• Insurance covers the treatment and transportation. It may be necessary, if a tourist serious disease: in Antalya, Kemer and Belek has multidisciplinary clinics that provide a full range of medical services. There also deliver patients from smaller settlements.
• If you are going to swim in the sea,include in the policy option "careless handling of animals". It will cover the treatment if you are stung by a jellyfish or sea urchin pricks.
• Basic insurance does not cover extreme entertainment. For scuba diving, water-skiing lessons, surfing, windsurfing, rafting or jet skiing needs a special "sport" insurance policy.

Finland

Most often in Finland go to rest in the winter: almost untouched nature, the snow-covered forest and a good infrastructure for recreation. If you are planning a winter vacation in Finland, book your accommodation and tickets much in advance - demand and prices rise sharply in September.

Although the country is considered to be safe and comfortable for relaxing, standard tourist risks has not been canceled: can fall down the slope, get hypothermia or cold.

medicine Features

• In Finland, the paid medicine. Hospitalization, examination and treatment will cost tens of thousands of euros.
• While relaxing in the ski resort choose insurance for winter sports. It covers not only emergency aid, but also examination, treatment and transport home.
• Finnish cuisine is rich in dishes of meat of wild animals. Unaccustomed can overeat or get food poisoning. If you have something more serious than a trivial discomfort and heaviness, - call the insurance company.

France

recreation Features

In France, you can go for the romance and the masterpieces of world culture, for an active holiday in the French Alps or the sea - for a beach holiday and the cries of gulls.

In France, there is no free medicine and medical technique is very expensive. The visit to the therapist worth 25-35 euros, consulting a specialist - 50 euros, a blood test - EUR 100, and the operation - from 2 thousand euros. In the popular resorts, these prices rise several times. Therefore, the insurance - a prerequisite for obtaining a visa to France.

medicine Features

• Basic insurance is enough, if you are traveling to see Paris and the Louvre masterpieces. It will cover the costs of medical examination, treatment, medication or emergency care. For example, if a cold during the trip, you can consult a physician and get help for free.
• If you go in the mountainous part of France, include in the policy paper on extreme sports. The basic package will not cover expenses for treatment of sports injuries.
• In France, almost no practice doctor on call at home. Doctors take in private offices or health centers in the general turn without an appointment. Rooms in private practice are designated the signboard Docteur.
• In France, two kinds of hospitals: public and private. For tourists, there is no difference: free treatment under the insurance can be obtained at any of the clinics, and the quality and qualifications of physicians are no different. The medical establishment chooses assistance service, depending on the specialization and location.
• After consulting a doctor gives a written recommendation for further treatment - Feuille de Soins. At the same time it is a recipe for the purchase of medicines in a pharmacy.
• When emergency hospitalization is necessary to show the administrator insurance clinics. He will contact the service company to confirm the guarantee of payment of medical services.
• In some cases, the French experts may require an advance for the treatment. Before paying, check the procedure with assistance team, to return the costs of returning home.