What you should know about going abroad, but were afraid to ask

Going abroad on holiday, it should be remembered not only for the cream to tan, beach slippers, and quotes prices on fur coats. It should keep in mind that you are traveling to a country with (mostly) different climate, different culture in general and food in particular.
Many of us abroad are doing things about which to place of residence and not thinking: camel races, visits to places of dubious microflora (the tomb, for example), skydiving, and without him ... I'm not talking about the uncontrolled use of alcoholic beverages, excessive even for our mighty country.
In general, even without a lot of the above factors, which may be due to a situation where medical consultation is necessary.
Accordingly, the acquisition zagranputevki should take care of the medical insurance policy for traveling abroad.
Today the first part of the material, we consider the main factors to consider when purchasing such an instrument.
Let's start with the main
Often when buying tickets, smiling tour operator offers you to purchase insurance conditional insurance company "XXX", he says, they are such good conditions offer the customer - right everyone who bought a policy, unspeakably happy.
Our advice: take a pause for reflection, because the issue is very important. If, God forbid, there will be a situation in which to do without a visit to the doctor does not need to be confident in the reliability of the IC.
Look for reviews on the Internet, call your insurance representative to a country where going to go. Take a tube, and if you take as you seek - shakes into their heads, even if the operator speaks Javanese dialect of Indonesian language.
However, we caution you select only one IC does not end there, but only the beginning. In the minds of many Russians, alas, there was the concept that the insurer must pay for everything, always. Therefore, in the minds of our population is growing confidence that with the IC "is something you can always peel" and "she did all of us should."
But this is not the case. The insurance company, or rather its services, we need in case of emergency, and "something tear" with her only in the case of insurance. The fact that this is NOT the most case, see below.
What you should not count on when traveling abroad
It is always useful to read the contract with the insurance. Do this at least 2 times a day, and your hair will be strong and silky. Treaty - a document that spelled out your relationship with the SC. Now we will focus on those cases in which the money you will not receive, as well as free treatment.
- You are a little bit or even mnozhko pregnant. Sorry, insurance, first of all, provides you with emergency treatment, the discharge of which the pregnancy is not included. There can be such that you are going to leave, not knowing that you produce a baby over a period of time, and then rrraz! - And here is the fight.
However, it should be remembered, and the following:
- If you are at the time of serious health problems were in the influence of alcohol, drugs or toxic, for free medicine or reimbursement of expenses should not count;
- A case of suicide, and intentional harm to the health of the insured person's own or others as a result of prior agreement with the victim - as the insurance is not recognized;
- If you decide to steer an airplane or another pilot, not having the appropriate qualifications, you decided to ride, in case (God forbid) the crash of a state of emergency physicians have to pay out of pocket. However, if you were a passenger aircraft of civil aviation, managed a professional pilot, then the case, in which you get an injury, may be recognized as insurance;
- By the way, if you are injured, trying to take the purse from the world champion in karate or zanimalisdrugoy illegal activities in a foreign country, too, will have to be treated;
- As mentioned above, many people abroad do so, as the territory of our country are engaged in a mighty rare. So, the standard insurance of persons traveling abroad should not expect to recover expenses for medical treatment resulting from flight to flight motorless vehicles (balloons, gliders, ultralight aircraft, etc.) If you dream of extreme sports abroad, purchase a special insurance policy for those who like such amusements;
- Are injured while playing football or doing another sport at the professional or amateur level - are treated at their own expense. If you are going abroad to chase a ball or ride horses, as in the previous case, purchase a special insurance;
- Insurance is also generally will not reimburse expenses for medical treatment to those who worked in another state hazardous activities (construction workers, electricians, miners), or was on duty. On the appropriate policy should take care of that organization, under which you are going to harm the health abroad;
- In case of injury resulting from an accident, the insurance can also deny you compensation or free treatment if you have driven vehicle without a driver's license, passing a vehicle in the management of a person without a driver's license or in case of traffic violations;
- Also not on the help of insurance, if nothing special is not specific and are sick, have not received any injuries and just want to take a preventive course at a local hospital with a TV in the room and pretty nurses. You do not get a SC turputevku in a boarding house - you insure for any unforeseen;
- But it's one of my favorite moments: before going abroad, check and treat your teeth. In their treatment not covered by insurance. It is difficult to prove a dentist or insurance that dental caries had developed suddenly during a vacation or a few long stay in a foreign country. At a minimum, you should have on hand the documents from your doctor confirming the absence of problems with teeth and gums at the time of departure.
Do you want to take care of your teeth? Get a special policy.
However, if you experience severe pain, then you need to help;
- It is worth noting the very important point for those who have chronic diseases. It's not your fault and your problem, however, as mentioned above, SC does not pay for a trip to the waters in Baden-Baden, and treatment as a result of accidents or attacks of acute pain when the patient's life on the edge of life and death.
This means that if you are sick for a long time, local doctors are working under a contract with your SC, will treat you for your same account, but the SC, as a rule, pay docking is an acute condition;
- With regard to fungal diseases and illnesses, sexually transmitted diseases, they have to be treated at their own expense;
- Seizure disorder, depression and mental illness as a standard insurance policy is not included in the list of insurance claims. The same applies to the treatment of sunburn and other skin changes caused by exposure to ultraviolet radiation. Exception - children under 5 years old ...