if the insurance is
We are all accustomed to the fact that with a trip to some exotic resort, travel agency must sell insurance. Many travelers insurance seems imposed and unnecessary service, and that it can help in a difficult situation and save a lot of money, the tourists remember the last time. And in vain.
The tourist season in tropical countries this year opened a tragic history. May 1 in Egypt on the road in Sharm el-Sheikh - Cairo overturned and burned sightseeing bus, in which there were 40 tourists from Russia, Ukraine, Canada, Italy and other countries. A total of 24 accident injured a citizen of Russia. As it turned out later, a trip to Cairo was not included in the permit, and so the insurers was a significant reason not to pay the medical expenses of its insured, because the tour was purchased as an additional service - out of contract with the tour operator. The rules of the insurance going abroad clearly specifies the cases in which the insurance company pays for medical treatment. "The insurance indemnity will be paid, have already said insurance companies that have written policies of the victims - said the deputy director of the insurance company" Mezhregiongarant "Alexander Varentsov. - But there are also cases of failure - and this is due to the fact that tourists often do not think about insurance and get policy, even without first looking into it. As a result, in the city-there are exceptions. " According to him, there is no fault of insurance companies - travel agents and ask for the most cut-down software cheap travel insurance, which limits liability of the insurance company is limited. "So we should not buy any insurance policy, just to let in the country, and take care of the full insurance protection, especially because it is cheap" - suggests the expert.
Cheap does not mean good
On the back of cheap insurance - its minimal covering all of the respondents said insurers Office magazine. "As a rule, the standard package includes a program that covers the minimum necessary risks" - explains the head of the travel insurance company "Alfa Insurance" Julia Kolysheva. It clarifies the Alexander Varentsov from "Mezhregionagaranta" do it, many tour operators in order to reduce the cost of a tour package and make it more attractive to customers. "However, in a cheap insurance policy as a whole range of services is small and there are a number of exceptions under which the payment of insurance compensation is not made," - he adds.
So if you're going to, for example, engage in active sports - diving, surfing or skiing - be sure to purchase "extended" coverage. Such a policy would cost 15-25% more expensive than standard, but the insurance company will refuse to pay medical expenses for injuries sustained in sports. In addition, it is useful to take care of insurance of civil liability to third parties, if you plan an active vacation, as they went downhill skiing can cause serious damage not only to themselves but also to health or property of others.
Not every travel agency has the opportunity to sell "extended" policy, but nothing prevents the tourist to purchase an insurance policy on their own. In this case, it will not only expand the list of services, but also increase the amount of liability insurance company. The standard sum insured for the trip to the country's public recreation such as Egypt and Turkey sostavlyaet15 thousand dollars, and the countries of the Schengen agreement - 30,000 euros. The largest amount of insurance is recommended for entry into the United States - 100 thousand dollars. At the same time for trip to Egypt and Turkey to the purchase of the policy is voluntary, but in the Schengen countries and the U.S. - mandatory. That, however, is not accidental. "In general, these requirements are reasonable and are based on the prices of medical services - says Managing Director complex insurance in the tourism group" Renaissance Insurance "Elena Skuratov. - For treatment of common cold in Europe will cost 200 - $ 400, and the cost of a consultation with a medical specialist in the U.S. and Canada may reach three thousand dollars. "
Rules of Conduct
Curiously, not all tourists are well aware, for which they need an insurance policy. Hence the not uncommon delusion that, say, the insurance company should pay compensation to the affected tourist on vacation in the amount of the sum insured (ie, in the case of Turkey or Egypt, 15,000 dollars, while in the Schengen area - 30 000 euros). In fact, insurance is going abroad involves only the payment of medical services and transportation costs associated with them. In most cases, the insurer negotiates directly with the clinic or doctor assistanskie through their company's place of stay. You must notify the insurance company's Russian office of the illness or injury. Insurers say that the most common mistake of tourists - to seek a doctor on their own instead of calling the telephone number listed in the policy. And such a violation of the rules may eventually lead to a denial of payment. "The procedure is very simple - explains the head of travel insurance insurance company" basis "Maria Chistyakov. - For emergency assistance to tourists should be immediately at the first opportunity to apply for service, contact phone numbers which are always placed in the insurance policy in the most accessible locations. Apply not only can the victim, but also any authorized person. " Then, you must carefully follow the instructions received from the coordinator of the service.
However, sometimes difficult to get through to Russia and to obtain instructions from the insurer. What to do if the delay is dangerous to health? "If for any reason, the tourist can not communicate with the insurer, you should contact the clinic on their own and pay for medical services, but as soon as possible, again, need to call the insurance company and report it - advises Alexander Varentsov. - You should ask the operator on the phone to tell about what registration number assigned to your treatment, and burn it. It should also be discharge from the hospital to request all documents which establish the cause of ailments, confirming the fact of treatment, all the bills, etc. "
It happens that in the hospital categorically insist on payment in cash. Experts advise in this situation soedinyat representative hospital with the insurer that they have solved their financial relationships, and only in extreme cases, you can pay the most, again do not forget to pick up all the bills and checks for payment of medical services.
However, the sequence of actions - not only that we should learn a tourist. Individual attention, and exclusion from the insurance policy under which the insurer will not pay for treatment. For example, if the injury or illness caused by alcohol or drugs to pay for treatment can not count. Not covered by insurance and treatment of burns. If suddenly the rest you need dental care, will have to pay for it, as a rule, too, from his own pocket. It is worth paying attention to the fact that the insurance company does not compensate for medical expenses for the worsening of chronic diseases.
Not only health
Travel insurance in general terms - it is payment of medical and transportation costs. However, the policy can be expanded in two important additions. First, to insure against loss or damage to your luggage. Secondly - to insure the risk of cancellation of the trip. If the trip fell through due to objective reasons such as illness or death of relatives, as well as the denial of a visa, the insurance company will reimburse the cost. However, the insurance policy is usually set period of time (say, five days) during which to notify the insurance company that the trip is canceled.
Of course, in the case of visa denial insurance company can theoretically find fault, because the embassy does not motivate the refusal, but in fact, if a passport in order, that is not broken, do not expire, does not bounce, the insurer shall reimburse the cost of the permit. Insurance for a visa is not valid only if the tourist was refused a visa for his own fault if, for example, he incorrectly drawn up documents filed or to deliver them later. However, and here occur curiosities. In one of the forums talk about how she planned a trip to Italy, was refused a visa because of her travel agency has filed documents to the Embassy of Greece.
Western standards
It must be admitted that the insurance going abroad in Russia is developing very slowly. Because it is not surprising that so far there are initially laid down standards. Meanwhile, we can learn from Western countries. "At the present time, the Russian insurance largely falls short of those programs that are available in the arsenal of Western insurers - ranging from insurance premiums and ending amount of aid - said Julia Kolysheva. - In particular, they are paid and sunburn, and coronary artery bypass grafting, and, in principle, their program is broader and richer. " However, she said, and the price of these services are significantly higher than those offered by Russian insurers. "So, demand creates supply as soon as the Russian tourists would be willing to pay a slightly higher amount than that paid now and the program will be no worse than the West" - sums up her. According to Elena Skuratov, in Russia, the maximum sum insured - that's $ 100,000, while in Europe people are insured in the amount of $ 250,000. "This insurance is compulsory when traveling abroad. We have the same insurance - a requirement of the host countries, "- explains the expert. But to this there was a qualitative shift in the market, you need to assist tour operators, because the lion's share of insurance policies purchased through them. For travel agencies, such assistance, of course, will result in rising costs of permits. And to this they are not ready yet.
We are all accustomed to the fact that with a trip to some exotic resort, travel agency must sell insurance. Many travelers insurance seems imposed and unnecessary service, and that it can help in a difficult situation and save a lot of money, the tourists remember the last time. And in vain.
The tourist season in tropical countries this year opened a tragic history. May 1 in Egypt on the road in Sharm el-Sheikh - Cairo overturned and burned sightseeing bus, in which there were 40 tourists from Russia, Ukraine, Canada, Italy and other countries. A total of 24 accident injured a citizen of Russia. As it turned out later, a trip to Cairo was not included in the permit, and so the insurers was a significant reason not to pay the medical expenses of its insured, because the tour was purchased as an additional service - out of contract with the tour operator. The rules of the insurance going abroad clearly specifies the cases in which the insurance company pays for medical treatment. "The insurance indemnity will be paid, have already said insurance companies that have written policies of the victims - said the deputy director of the insurance company" Mezhregiongarant "Alexander Varentsov. - But there are also cases of failure - and this is due to the fact that tourists often do not think about insurance and get policy, even without first looking into it. As a result, in the city-there are exceptions. " According to him, there is no fault of insurance companies - travel agents and ask for the most cut-down software cheap travel insurance, which limits liability of the insurance company is limited. "So we should not buy any insurance policy, just to let in the country, and take care of the full insurance protection, especially because it is cheap" - suggests the expert.
Cheap does not mean good
On the back of cheap insurance - its minimal covering all of the respondents said insurers Office magazine. "As a rule, the standard package includes a program that covers the minimum necessary risks" - explains the head of the travel insurance company "Alfa Insurance" Julia Kolysheva. It clarifies the Alexander Varentsov from "Mezhregionagaranta" do it, many tour operators in order to reduce the cost of a tour package and make it more attractive to customers. "However, in a cheap insurance policy as a whole range of services is small and there are a number of exceptions under which the payment of insurance compensation is not made," - he adds.
So if you're going to, for example, engage in active sports - diving, surfing or skiing - be sure to purchase "extended" coverage. Such a policy would cost 15-25% more expensive than standard, but the insurance company will refuse to pay medical expenses for injuries sustained in sports. In addition, it is useful to take care of insurance of civil liability to third parties, if you plan an active vacation, as they went downhill skiing can cause serious damage not only to themselves but also to health or property of others.
Not every travel agency has the opportunity to sell "extended" policy, but nothing prevents the tourist to purchase an insurance policy on their own. In this case, it will not only expand the list of services, but also increase the amount of liability insurance company. The standard sum insured for the trip to the country's public recreation such as Egypt and Turkey sostavlyaet15 thousand dollars, and the countries of the Schengen agreement - 30,000 euros. The largest amount of insurance is recommended for entry into the United States - 100 thousand dollars. At the same time for trip to Egypt and Turkey to the purchase of the policy is voluntary, but in the Schengen countries and the U.S. - mandatory. That, however, is not accidental. "In general, these requirements are reasonable and are based on the prices of medical services - says Managing Director complex insurance in the tourism group" Renaissance Insurance "Elena Skuratov. - For treatment of common cold in Europe will cost 200 - $ 400, and the cost of a consultation with a medical specialist in the U.S. and Canada may reach three thousand dollars. "
Rules of Conduct
Curiously, not all tourists are well aware, for which they need an insurance policy. Hence the not uncommon delusion that, say, the insurance company should pay compensation to the affected tourist on vacation in the amount of the sum insured (ie, in the case of Turkey or Egypt, 15,000 dollars, while in the Schengen area - 30 000 euros). In fact, insurance is going abroad involves only the payment of medical services and transportation costs associated with them. In most cases, the insurer negotiates directly with the clinic or doctor assistanskie through their company's place of stay. You must notify the insurance company's Russian office of the illness or injury. Insurers say that the most common mistake of tourists - to seek a doctor on their own instead of calling the telephone number listed in the policy. And such a violation of the rules may eventually lead to a denial of payment. "The procedure is very simple - explains the head of travel insurance insurance company" basis "Maria Chistyakov. - For emergency assistance to tourists should be immediately at the first opportunity to apply for service, contact phone numbers which are always placed in the insurance policy in the most accessible locations. Apply not only can the victim, but also any authorized person. " Then, you must carefully follow the instructions received from the coordinator of the service.
However, sometimes difficult to get through to Russia and to obtain instructions from the insurer. What to do if the delay is dangerous to health? "If for any reason, the tourist can not communicate with the insurer, you should contact the clinic on their own and pay for medical services, but as soon as possible, again, need to call the insurance company and report it - advises Alexander Varentsov. - You should ask the operator on the phone to tell about what registration number assigned to your treatment, and burn it. It should also be discharge from the hospital to request all documents which establish the cause of ailments, confirming the fact of treatment, all the bills, etc. "
It happens that in the hospital categorically insist on payment in cash. Experts advise in this situation soedinyat representative hospital with the insurer that they have solved their financial relationships, and only in extreme cases, you can pay the most, again do not forget to pick up all the bills and checks for payment of medical services.
However, the sequence of actions - not only that we should learn a tourist. Individual attention, and exclusion from the insurance policy under which the insurer will not pay for treatment. For example, if the injury or illness caused by alcohol or drugs to pay for treatment can not count. Not covered by insurance and treatment of burns. If suddenly the rest you need dental care, will have to pay for it, as a rule, too, from his own pocket. It is worth paying attention to the fact that the insurance company does not compensate for medical expenses for the worsening of chronic diseases.
Not only health
Travel insurance in general terms - it is payment of medical and transportation costs. However, the policy can be expanded in two important additions. First, to insure against loss or damage to your luggage. Secondly - to insure the risk of cancellation of the trip. If the trip fell through due to objective reasons such as illness or death of relatives, as well as the denial of a visa, the insurance company will reimburse the cost. However, the insurance policy is usually set period of time (say, five days) during which to notify the insurance company that the trip is canceled.
Of course, in the case of visa denial insurance company can theoretically find fault, because the embassy does not motivate the refusal, but in fact, if a passport in order, that is not broken, do not expire, does not bounce, the insurer shall reimburse the cost of the permit. Insurance for a visa is not valid only if the tourist was refused a visa for his own fault if, for example, he incorrectly drawn up documents filed or to deliver them later. However, and here occur curiosities. In one of the forums talk about how she planned a trip to Italy, was refused a visa because of her travel agency has filed documents to the Embassy of Greece.
Western standards
It must be admitted that the insurance going abroad in Russia is developing very slowly. Because it is not surprising that so far there are initially laid down standards. Meanwhile, we can learn from Western countries. "At the present time, the Russian insurance largely falls short of those programs that are available in the arsenal of Western insurers - ranging from insurance premiums and ending amount of aid - said Julia Kolysheva. - In particular, they are paid and sunburn, and coronary artery bypass grafting, and, in principle, their program is broader and richer. " However, she said, and the price of these services are significantly higher than those offered by Russian insurers. "So, demand creates supply as soon as the Russian tourists would be willing to pay a slightly higher amount than that paid now and the program will be no worse than the West" - sums up her. According to Elena Skuratov, in Russia, the maximum sum insured - that's $ 100,000, while in Europe people are insured in the amount of $ 250,000. "This insurance is compulsory when traveling abroad. We have the same insurance - a requirement of the host countries, "- explains the expert. But to this there was a qualitative shift in the market, you need to assist tour operators, because the lion's share of insurance policies purchased through them. For travel agencies, such assistance, of course, will result in rising costs of permits. And to this they are not ready yet.
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