How insurance can help if you are injured on holiday abroad

Why make a travel insurance?

Insurance policy for going abroad (TCD) - this is a guarantee for your peace of mind and saving money for unforeseen expenses. It's great when you're nice to rest and insurance is not useful. But not always vacation runs smoothly even if you, for example, stand confidently skiing on the slopes you can expect a meeting with the newcomer suicide. Any problem abroad can turn into serious money spending. Insured travelers unforeseen costs associated with health or different troubles, the company will pay. If there is no insurance - will have to pay for everything yourself.

And you can somehow do not buy insurance?

Formally - yes, but it is better not to risk it. For example, Egypt and Turkey take the Russians and without insurance for a period of up to 30 days. But in these countries, the hot climate, the other water and food, which the body does not always easy to handle. Food poisoning in tropical countries get easier than even a healthy adult. And if you go on a journey children or pregnant women without insurance do not exactly get along.

not get without a visa in the EU, and to draw its required travel insurance. Quality health care rises to break the bank, so the state can not pay for treatment of foreigners from its budget. The easiest outpatient cases in European hospitals are estimated at 300 euros. For registration of insurance you pay a lot less and be able to rely on medical services worth from 30 000 to 120 000 euros.

Stop. Why such a huge payout?

The amount of payments are calculated on the most severe cases, when the insured traveler may need expensive medical assistance (for example, a complicated operation), and then return to his homeland, accompanied by doctors separate flight health aviation. The full cost of the treatment and transport depends on the country and the complexity of the case, sometimes the insurance sum of 120 000 euros may not be enough.

What is included in the insurance?

You can choose a range of services. The greater the risks and options included, the higher the cost of the policy.

According to the requirements of the Schengen visa application centers in the countries of the insurance package should include at least emergency medical care, including dental and repatriation to the home country in case of death insured.

Repatriation insurance company assumes all costs from the collection of the necessary certificates and finishing with just transportation. If there is no insurance policy TCD, the cost of transporting the body to be independent enormous. For example, to remove the body from the United States costs about $ 10 000.

To help customers, the insurance companies offer a package of services. For example, "Rosgosstrakh"There are three types of programs:" Economy "," Comfort "and" Premium ". All of them are suitable for a Schengen visa, and include emergency outpatient and inpatient medical care, transportation, home.

level package "Comfort" additionally makes it possible to return home due to an insurance company, if the flight was missed due to illness, provides the interpreter in the hospital and sent home to pay minors children. "Premium" includes the maximum possible number of options, including administrative support, legal assistance and search and rescue operations.

What additional medical risks it is worth considering?

Basic insurance for the risk of "Medical and emergency assistance" includes only the general situation and is not appropriate if you, for example, are going to engage in extreme sports. «Rosgosstrakh"Offers customers choose an individual set of options for each trip.

• If your plans include outdoor activities, the insurance must include the option «Sports / Activities». TCD under the policy of insurance is covered by more than 100 sports, including skiing.
• If you are pregnant, you want to include in insurance costs in case of sudden complications of pregnancy and preterm delivery (on the date of the alleged events the period of pregnancy up to 31 weeks, inclusive of policy "Rosgosstrakh").
• If you have a chronic disease, include them in the policy. Then the insurance will cover the cost of treatment of exacerbations and complications.

On what else can you protect yourself?

• Accident. Insurance against the risk of injuries of varying severity. If the trip was an accident, after returning home, the insured will receive compensation.
• Loss of luggage. Insurance of the things that have been officially handed over to the carrier. Works in the case of error sent suitcases airline is not there or lost. It does not apply if you are lost luggage at the airport.
• Civil responsibility. Insurance against damage caused to the tourist's life, health or property of third parties during their stay on the territory of insurance.
• Cancel the trip. Unexpected cancellation or modification of paid travel dates through no fault of your reasons. The coverage includes instances where the traveler was forced to abort the trip, or to abandon it on because of illness or death of a close relative, and if denied visa, postponed or canceled flight. Missed Departure insured event is not.

How do I know how much is insurance?

cost of the policy, you can find out in advance on the website of the insurance company. It depends on the country, length of stay and your trip ends.

IN calculator "Rosgosstrakh" you can calculate in advance how much it will cost your insurance.

On the site, you can choose coverage for a single trip on multiple trips throughout the year, on a trip to a certain country, for several areas or the whole world at once. For example, the insurance with the inclusion of the United States out expensive insurance similar to the Schengen countries.

Please read carefully insurance rules. Very carefully - information about events that are not recognized as insurance events. Insurance Regulations are available on the company's website.

And where to go to issue the policy?

You will not need to walk. Most companies offer online registration policy: enter information about the trip, choose the options you want and pay directly on the site.

On registration of the policy on the website "Rosgosstrakh"You will spend less than five minutes: the documents come to the post office immediately after the payment. Fee for online payment will be charged.

What should I do if an insured event occurs?

If you do something wrong in the trip, the first thing you need to contact the control center around the clock service company at the phone number specified in the policy, and report:

• your name, surname, patronymic;
• policy number and the insurance period;
• what happened to you;
• where are you;
• your contact phone number.

In most cases, the insurance company pays medical bills directly to service companies. But if you had to pay their own costs associated with the insured event, be sure to take the checks and other documents certifying your expenses. When you return home - submit an application for payment to the center of the settlement losses of the insurance company.

Can you recommend what insurance to buy in my case?

• If you are planning to go to Europe to watch the sights - you have enough, and the base rate: to obtain a Schengen visa the minimum amount of insurance is 30 000 euros. The ruble equivalent of the sum insured should be no less than 2 million rubles at the request of the Russian Federation legislation. You can also add in insurance policies flight cancellations and lost luggage.
• If you are planning to go to a ski resort or sea to engage in surfing - in the policy be sure to include outdoor activities. Do not forget about the risk of civil liability in the event of causing harm to other travelers. Well, about the options aid in the influence of alcohol, if you plan to drink and have fun with friends.

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