Cherehapa - travel insurance online
Miscellaneous / / December 19, 2019
What excites a man on the eve of holidays? All we have? Swimsuit - split or merged? To give the cat? It is difficult to think about security when one foot is literally standing in the sea, and the hand holding the Pinakolada. How it can happen something bad?
Can. You can tuck the leg on an excursion in the mountains. You can break an arm when he fell from the bike. You can buy fruit at the market and pick up some stick. From the excesses of pleasure no one is immune. More precisely, if you are not insured, then for quality medical care will have to shell out a tidy sum.
What is the medical insurance for traveling abroad? Why is it necessary? How much does it cost? How to make a policy quickly and without hassle? How to buy the best insurance and about anything not to worry? Who will tell everything.
What is travel insurance?
Even on holiday people often have to go to the doctors. Most often faced with angina tourists and other colds (48% of visits to medical facilities). At the second location - poisoning and indigestion (18%), the third - sprains, bruises and stretching (17%).
Travel insurance - a document that protects the health and tourist assets and guarantees compensation for unforeseen medical and transportation expenses.
In the presence of such a document, if you, for example, overheated on the beach, will be sufficient to call the customer service of the insurance company. It will be engaged in the organization of health care: send a doctor to the hotel or direct insured in the clinic will call an ambulance. In this case, the hospital expense insurance company usually pays for itself.
If there is no insurance, for health care services will have to pay yourself. And the score could hit the pocket.
Also, travel insurance can compensate for the financial losses trip cancellation, flight delay, loss of baggage and other unpleasant adventures.
How does the travel insurance?
Terms and conditions are governed by the rules of insurance. There are important things are written. In particular, the maximum amount of services that can be provided to the client, as well as exclusion from insurance coverage. The rule is: everything that is not ruled out, is covered.
But the problem is that the rules of insurance - is voluminous, dry legalese written documents. The layman is difficult to understand them. Usually nobody reads them: there that covered what is excluded?
It is that insurance companies refuse to reimburse the costs and it is absolutely right. After all, in the rules, for example, black and white: medical treatment for sunburn is not covered. But the client did not read about it, and now he had no choice but to be smeared with sour cream and count the losses.
Organization of medical care abroad is not involved in the insurance companies themselves, and the so-called assistanskie (service) companies. It is the "remote" assistance service calls a tourist when the insured event. Employees of assistance selected clinic, negotiate with the insurance company of services, co-ordinate care process, draw up the necessary documents, engaged in payment and other important issues.
What is an electronic insurance policy?
We are used to buy electronic air tickets and book hotels on the Internet. But do not still know that health insurance can be arranged as well, without leaving the couch.
Electronic policy has the same legal force as paper. He assured the facsimile seal and signature of the insurer. It will in any embassy and consulate. You do not need to go to the insurance company office and exchange e-mail policy for the "real". Simply print and safely fly on holiday.
One of the best travel insurance services is the company "Cherehapa Insurance». The peculiarity of this service is that there is just
On cherehapa.ru user can immediately see the difference in prices and options and can find the right insurance coverage. You can not read 50 pages of rules insurance companies each, enough to put a checkmark in the desired options.
Cherehapa have a lot of experience (in the market since 2012). If a customer has any problems with the Assistance or insurance, Cherehapa come to the rescue: the clock support by phone, email and chat online.
But, as practice shows, the problem of the tourists start when they do not understand or do not know the intricacies of travel insurance. Therefore Cherehapa willingly gives customers practical advice. Here are some of them.
Is insurance package tour is not enough?
Not. Insurance in tourist packages, as well as insurance of bank cards are often severely limited. It's about the minimum amounts of insurance, limited insurance coverage, there is a franchise (this is where part of the costs, such
If you want to leave without incident really took place, buy additional insurance on the grounds where you are going and the plan to do.
How to choose Assistance?
It is not necessary to rely 100% on reviews online forums. People get into different situations and judged subjectively. Often in discussions angry reviews coexist with enthusiastic.
The truth is that there is no good or bad Assistance. Just do some better work been established (more contracts with clinics, better conditions) in the Asian tourist destinations, while others, for example, in Europe. If Assistance can not itself organize medical care, for example, somewhere in a small town on the edge of the world, it attracts local Assistance to find a doctor or clinic. In exceptional cases, the customer may be asked to pay, but when they return home all the expenses to compensate.
How to choose Assistance? To seek help from professionals who will help you choose the insurance company and Assistance, as well as recommend a suitable insurance coverage.
What should I do if I forget to buy insurance at home?
Better not forget. Then the range of insurance companies will be wider. But if you do not have time or forgot to buy insurance can immediately upon arrival.
Not all insurance companies sell policies to citizens located outside Russia. And if you think that you can cheat (left and then bought an electronic policy), you are mistaken. The insurance company may ask for a photo of the passport with a stamp and the date of crossing the border. Deception will be revealed, and reimbursement will be denied.
To find out which companies are insured abroad, go to cherehapa.ru and select the option "I'm traveling." Service will show which companies are allowed to be insured after crossing the Russian border.
What kind of insurance is necessary if you go active rest?
Risks associated with the sport, active recreation and riding on a moped (motorcycles), are rarely included in the basic insurance. If a quiet vacation on the beach - it's not about you, it is better to buy a policy with an expanded set of options.
- Moped. This option is necessary not only to drivers but also passengers. An important caveat: the driver to pay for the treatment needed more and the right to operate a moped (Russian or local). The passenger is reimbursed regardless of whether the rights of the driver, but with the proviso that both of them were sober and helmet.
- Active Life. You must list all of the planned sessions to correctly calculate the tariffs taking into account the risk of a particular sport. Separate check, is whether the insurance payment for the search and rescue efforts, if they are required in your sport.
- Diving. Find out if the insurance company pays the pressure chamber. On cherehapa.ru is easy: put a tick in the "Diving" and see what the company is doing.
Pay attention also to such an option, as insurance against accidents. Include it in the insurance, you will be able to rely on additional compensation for injuries received abroad. In other words, you get the medical care for the basic insurance, and arriving home, will be able to issue more and pay for the rehabilitation.
What you need to remember if you go to Asia?
Southeast Asia in general and Thailand in particular, are popular with our visitors. Assistance where experienced and savvy. They have signed contracts with all the major hospitals in all major cities. If you stay in the popular tourist destination, Assistance will decide where to send you, on the basis of symptoms and clinics congestion.
But if you decide to escape from civilization on a small island, where, instead of the hospital - the local shaman, everything is more complicated. For a full examination and treatment may need transportation to the mainland. And it is expensive: it costs up to 25 000 dollars. And if the amount of insurance coverage you have is only 30,000 dollars, for the treatment of money almost does not remain. Therefore, Asia is better to have insurance at least 50 000, and it is better - at
And another important thing. At Tae and other countries in Southeast Asia usually move on mopeds. Most insurance companies riding on a moped and a motorcycle is an exception to the standard coating. Do not forget to include this option in the insurance: moped - traumatic vehicle.
What is insurance for pregnant women?
Additional insurance for pregnant women - a policy with which the expectant mother, if he feels ill be able to consult a gynecologist, undergo ultrasound and other necessary procedure. It may also be paid for medical care for premature birth and newborn care.
In Russia, the risks associated with pregnancy, do not cover all the insurance company. Some hedge up to 12 weeks of pregnancy, others - up to 24, rarely - up to 31 weeks. On cherehapa.ru enough tick "insurance in case of pregnancy complications," to see what company and under what conditions the expectant mother can buy insurance.
Is insurance necessary to travel to Russia?
Yes. Rest in the country creates a false impression of security, "What can happen to me? I'm at home. " However, our system of compulsory health insurance is not intended to pay many expenses that are covered by insurance for travelers. In particular, payment of prescription drugs, certain types of diagnostics, medical transportation or repatriation.
But travel insurance policies provide more variety and more options. For example, the compensation for the purchase of a new ticket if the client is in-patient treatment and can not return home on an existing ticket.
Also important psychological moment. In an emergency situation it is difficult to navigate: what to do? where to go? If there is travel insurance all the organizational issues (search for clinics, transportation, etc.) will take on the insurance company.
Insurance traveling to Russia begins to act at an average distance of 100 km from the place of residence or registration of the client. It should be much cheaper abroad: from 450 rubles per policy for two weeks when the insured amount of $ 30,000.
How to act when the insured event?
When there is any trouble, it is easy to panic. Sometimes customers are running headlong into the clinic, and in turn Assistance only when they impose expense. This is wrong: at this stage, the service company can no longer connect to the payment.
In the insurance case it is important to adhere to the established order.
- Call the telephone number listed in the policy: the call center service company. When buying a policy be sure to check the correctness of the data: policy number, phone number assistance services. Without them, you may experience difficulties in receiving medical care.
- Describe operator call center their symptoms. Based on these and other data, Assistance will refer you to the clinic and to send letters of guarantee to pay for diagnosis and treatment.
- If more likely your case is not insurance, offers to pay for appointment with a doctor on their own. Once diagnosed you may find that the case is still part of the insurance coverage. Then, after returning home, you will be able to apply for reimbursement.
Remember: a relaxing stay without unexpected costs begins with the purchase of health insurance. Therefore, if you check your bags and settle down a cat, be sure to check out the cherehapa.ru.