Insurance on his own recognizance

In this part of the material on insurance of citizens traveling abroad is devoted to, alas, there are cases of failure of the trip for any reason. When the case is insured, and when not? This was announced today.
Thus, we consider now the situation relating to insurance risk, "Failure of the trip."
The insurer will pay you the amount due, if:
- Died either you or your close relative;
- Not earlier than 15 days prior to travel with your health (or your close relative), there was a sudden disorder;
- Not earlier than 15 days before the trip was seriously damaged your property as a result of:
* Fire, explosion;
* Natural disasters (earthquake, landslide, storm, hurricane, flood, hail or rain, etc.);
* Flooded with water from the tap water, sewage, heating and other systems;
* Illegal actions of third parties.
Attention: damage to property must be significant (killed at least 70% thereof), a significant impact on the welfare of the insured person (ie you). It is also recognized as a case of insurance, if required your presence is required at registration of the relevant market (due to the design described above);
- You are involved in the trial, and the decision came into force after the conclusion of a contract with an insurance company;
- You do not get a visa for the timely filing of all necessary documents and have been informed in advance about the possible motives of a broker failure consulate;
- Early return from a trip due to illness the death of a close relative (relatives).
It should be noted that reimbursement of the IC you get if you refused to visit:
- In case of planned hospitalization (this is for you is not exactly a surprise, because the date was spelled out in advance);
- In connection with a trip to a spa treatment;
- In the case of cosmetic surgery, plastic and reconstructive purposes;
- In connection with death, injury or illness as a result of suicide or attempted suicide;
- In case of injury in a state of alcoholic, narcotic or toxic intoxication, or when, you were responsible for the situation that led you to the hospital;
- If you are bringing a criminal charge or process in violation of criminal law;
- In connection with the transfer time out on the initiative or because of a travel company or transportation company (in this case will have to deal directly with these organizations);
- Due to the inability to travel abroad due to natural disasters, accidents, disasters, war, terrorist acts, strikes (first, you need to know where you are going - see Politreview, weather, etc., and secondly the disaster, people's anxiety, and other wonderful things seem unexpected only at first glance);
- Due to injury or poor health a close family member who can get along without your help.