What is the policy threatens the tourist

Until now, many tourists perceive insurance as a kind of voucher that allows you to cross the border. That is, if during a trip man gets into an accident, become ill or get injured, and who will pay for treatment, many people prefer not to think.
Hope for Traditional maybe - a characteristic feature of Russian tourists. The same German or a Frenchman, resting, for example, in Turkey or Egypt will never go on a trip to an unknown company that offers a ticket to two - three times cheaper than the operator. The point here is not that they do not want to save, on the contrary, the Europeans know how to count money and that is why, being on vacation, in contrast to the Russians who prefer not to indulge in all serious. They know that the insurance company will not pay for treatment for injuries received while intoxicated, will never compensate for the consequences of "wrong" scuba diving, if extreme sports are not included in the policy. Moreover, some European insurance companies do not reimburse the cost of medical services that are required as a result of injuries received in the sea. By the way, is why many foreigners prefer to swim in the pool and do not go into the sea, their insurance does not cover such risks. And it is not in satiety beach holiday. Unlike the Russians, accustomed from Soviet times to free medicine, they know how much it could cost treatment if his pay out of pocket. Meanwhile, the World Health Organization statistics, from 50% to 75% of the people, briefly leaving the tropics and subtropics, ill or injured. Of course that is not always resting seek medical help, but there are times when it can not do without.
In turn, some insurance companies are watching the tourists to neglect their health and offer a minimum set of services for health insurance. Their main advantage - low price, and many gladly save on your health. That's just to get a refund of such insurance can be very difficult. Despite the fact that the flow going on holiday abroad every year is growing at 20% - 30% of the market for travel insurance is increasing annually by only 10%. In the portfolios of insurance companies selling travel insurance policies rarely exceeds 5%. "However, the insurance culture is growing, and insured, despite the presence in the travel insurance package, treat yourself to the insurance company for additional services," - said the head of the management of insurance going abroad SC "Standard-Reserve» Eugene Boldovskaya.
Risky recreation
"Traveling abroad more often insure health and medical transportation costs, followed by insurance against accidents, and from his own recognizance," - said the spokesman "Ingosstrakh" Natalia Gorgidze. Also quite popular is the direction of liability insurance to third parties, adds Eugene Boldovskaya of IC "Standard-Reserve." At first glance, many of liability insurance is not such a relevant, but if we recall that the cost of the trip, such as a scooter, the owner of this vehicle is not laying the possible costs of its repair in the event of an accident, there is a logical question: Who will pay? Last year a few tourists from Russia, traveled to Thailand, felt on his own pocket, how expensive repairs of the water bike. Very often there are cases when, during the descent from the mountain skiers faced, and in case of serious bodily injury insurance company has paid the victim treatment are likely to try to collect money from the culprit, and if the latter do not have liability insurance, it will pay for the treatment victim of his wallet. Many market participants have noted that insurance cases during tourist trips occur much more frequently than consider yourself a rest, and hope to chance can be very costly for the tourists.
But even if the policy is purchased in a tourist company that does not mean that guests can relax on the plane already, as is customary among our compatriots like European insurance companies, our insurers do not cover the risks associated with obtaining injuries while intoxicated . Market participants are advised to carefully read the terms of insurance than many tourists ignored. In an insurance company, the policy which was granted "in package" travel company, can be mass exclusions. Some tourists are faced with the fact that a very large and reputable insurance company refused to refund based on the fact that, before the tourist asked for medical help, he was not informed the insurance company. And very few people care whether a person an opportunity to do so. For example, during the tourist season in the same Turkey to call the insurance company in Russia, sometimes it is very problematic.
"When you order tickets from a travel agent or tour operator tourist can make suggestions about the insurance. If he did not, then the tour operator will default insurance - a minimum mandatory health insurance for the visa and travel abroad, "- says the head of the department of insurance travel abroad Moscow Insurance Company (IIC), Alexander Kovalenko. As an additional service to tour operators can offer insurance against bail for 4% of the cost of the tour. Everything else is likely to have to buy is directly to the insurance company.
Tourists, reinsurers
Additional insurance is a must, if a tourist wants to be more secure, and even more so, if he intends to do on vacation extreme sports: ride a mountain or water skiing, scuba diving, mountain climbing, horse riding or sailing, ski jumping, biathlon, water polo, athletics, hunting, and fishing. In any of these outdoor activities is assumed to issue insurance with step-up factor of 1.5 - 5. At the same time skating on the "banana", trampolining and cycling are not included in the list of extremes - all from the category of a beach holiday and the potential for this medraskhody covered by standard insurance. "If the tourist refused insurance included in the permit, and he decided to protect yourself by contacting the office of the insurance company, he alone can decide which insurance risks it requires, - says head of the department of insurance travel abroad insurance company of Moscow, Alexander Kovalenko. - Our company offers to insure citizens traveling abroad, accident, arrest, loss of baggage, as well as civil liability to third parties. But these tourists a little bit - about 3%. " Ironically, recognize market participants, one of the least popular types of travel insurance is insurance of baggage, considering how his throw porters at airports, and what percentage of its losses. "Baggage insurance is almost no demand. We are actively engaged in insurance-divers as well as equipment for diving is decent money, baggage insurance dive trip at the time of purchase, but also perfectly in small amounts - less than 5% of the total number of customers "- says the head of management of insurance going abroad SC "Standard-Reserve» Eugene Boldovskaya. "This product is not enough demand, because insurers set insurance limits and deductibles (in the CMC for each lost, damaged or spoiled piece of luggage policyholder will receive $ 250 for the insurance limit of $ 1,000 and $ 100 an unconditional franchise)," - confirms Alexander Kovalenko of the MSC. "Baggage insurance, Russians are not particularly popular in Europe, it is second only to cancel the trip, while for comparison, the health risks - at last," - says CEO of insurance company "European Travel Insurance" Michael Kamalov. In the first place in European countries is trip cancellation insurance - more than 50% of premiums on fees and payment of insurance compensation.
Tips departing
At the request of "Co" Insurers have given some tips on how to avoid problems with obtaining refunds.
"We recommend that you carefully review the insurance rules and procedures of applying for medical assistance. Do not attempt to advise on their own to get treatment, because it is fraught with poor quality of health services with all its consequences, lack of necessary funds to pay the bills, as well as the insurer's refusal to compensate you with the costs incurred as inconsistent, "- says a spokesperson for" Ingosstrakh "Natalia Gorgidze. "In general denials of compensation are extremely rare. However, the insurance company may refuse payment if the conditions are violated by insurance or the insurance company recognizes the case of non-insurance (ie, subject to exclusion from insurance coverage), or if the insurance company discovered fraud by the insured, "- adds the head of the Insurance Department traveling abroad SC "Standard-Reserve» Eugene Boldovskaya.
Insurers are reminded that if a tourist paid for treatment on his own and intends to continue to collect money from his insurance company, you must obtain a detailed account of the doctors with the details and the medical statement signed and sealed with an indication of the diagnosis, treatment and cost of services. Preferably, the hospital confirmed that the client is enrolled in a critical condition and call the insurance company could not. At the same time, make a call, you must write to the insurance of the operator with whom the victim was talking, the conversation and registration number of the insured event. Unfortunately, sometimes it happens that a representative of an insurance company, wanting to minimize costs, argues that the customer did not call. Interviewees "To" market participants noted that the practice of travel insurance in Russia is gradually approaching European standards. But to revise its approach to this segment of the market must not only operators but also their clients: more and more tourists traveling abroad, using the so-called extended insurance, which includes a much larger list of insurance claims for which compensation is carried out. Is it worth not much more expensive, but allows you to feel much more confident. Of course, we can proceed following the example of the Italians or the Germans, who do not bathe in the sea, and outside the hotel do not go. But is it worth the savings of $ 10 - 20?