Insurers Dumping

From 1 April this year, several insurance companies have proposed a number of actions and new products for car, making it possible for insurers to obtain savings. Thus, insurance companies, offering various discounts tend to attract those customers who previously used the services of their bankrupt competitors.

Thus, by "Rosno" anti-crisis program was launched, "Casco tale." This program, in which the applied deductible is 2% of the value of the car, but not less than 25,000 rubles, can insure a car worth up to 30 thousand dollars by almost 55% cheaper than it can with a full comprehensive insurance cover. Owners of vehicles valued at more than 30 thousand dollars, such a policy would cost 40% less expensive than a policy with full coverage. For Moscow, the tariff under the policy, "Casco Tale" is between 2.9% and for the regions of the tariff will be from 2.2%. This policy is aimed at vehicles whose age is less than nine years, and the cost - one hundred thousand dollars. For explanations of the Department Head of motor insurance ROSNO Dmitry Kuznetsov, for the calculation of these rates were taken statistics, and reduce the cost of tariffs allowed the optimization of business processes.


"RESO-Guarantee" as from 1 April launched a special program for the integrated vehicle insurance designed for those customers who, together with the CTP insurance policy will also draw up policies "RESOavto" at risk "theft", "RESOavto-aid" and DSAGO any limit. This kit will allow the policyholder to receive 30% savings, since individually all of these additional policies will cost more. As the deputy director "RESO-Guarantee" Igor Ivanov, the company would never have granted such discounts to Hull, and on each of these products, they represent a real loss-making, and may allow discounts on their comprehensive offer.

Company «Renaissance Insurance" on April 1, carried out campaign called "Careful Driver". As part of this action provides for 10% discount on renewal of the policy to each owner of the hull policy, regardless of which company he was insured, if the past year he had no more than one insured event. This discount is 10% comes from the price that the car owner can offer his insurance company. As the head of direct sales team, "Renaissance Insurance" Paul Baxter, they realize that in the current crisis, in addition to the relevance of protection against unforeseen expenses, are also relevant issues of the economy. What led to increased interest in purchasing policies directly, as well as to incorporate them in terms of the franchise, which allows to significantly reduce the cost of insurance.

According to general director of "Ingosstrakh" Alexander Grigoriev, offering the most professional of the three, which came into effect on April 1, is a program from the company "RESO-Guarantee". Alexander Grigoriev, also lamented the fact that many companies are now bankrupt or lose their financial stability, so that others are thinking about how to attract customers of these companies. But he did not want to see the company started with the dump.

Insurance scams for car loans

With the improvement in the credit markets and the growth of car sales on credit, insurance companies and banks meet new types of fraud in this area. Credit and insurance scammers improve their fraud scheme, he borrowed the gaps in the harmonization of insurance companies, traffic police and banks.

One of the most common types of fraud is to purchase credit for other people's documents. And if the acquisition of household appliances need only a passport, then, for the purchase of machinery, requires also a driver's license. However, their authenticity is checked by security police on the bank's database. If the document is in these databases does not appear, then the bank will immediately take the appropriate conclusions and denied a loan. Fraudsters turn up a way to circumvent this obstacle.

Through the registry office employees, they get a passport recently deceased person. Since information about the death of man in police computers come with a delay, the dead still for a long time was listed among the living. Photo paper in the glue. Then the scammers by "their" peace officers extract information of the deceased driver's license and making a fake copy. Now a contender for the loan without any problems will be a standardized test procedure. Because passport data and the document number are the real and present in all databases. The car has not been realized yet did not pay the loan customer, banks usually do not give a hand to PTAs. However, such interference can easily overcome by swindlers. They take a duplicate in the SAI, explaining that the technical data sheet on the car as if it were lost.

Then the car is removed from consideration in the traffic police, and quite legally sold not having any suspicion of the man. Complications with this car it will start later, when the bank's employees understand that they are trivial "threw". The car will be announced in the search, and honest buyer is in danger of losing it.

There are also more lightweight fraud scheme in which the role of victim advocates are not a bank and an insurer. This "commerce" are engaged in serious criminal gangs. When you buy a car on credit to insure mandatory, including a type of insurance as insurance against the risk of theft. Then the new owner surpasses its dealers and the police received a statement about the theft. From the middleman former owner of car gets up to 30 percent of the price of the car.

The main requirement is that the owner owned the car two sets of keys that would confirm the fact that the car is stolen and not commandeered by the robbers. In this case, the insurance company for a reason to deny compensation insurance will be less. After receiving the money from criminals, the owner of the car also receives under a contract entered into with the bank, and a new car. Based on police statistics, it becomes clear that this kind of crime is extremely rare disclosed. Similar scams are forced banks to hold large enough interest and demand for consumer loans

How not to be mistaken with a choice of auto insurance program

Any bank issuing a large amount of car loan will certainly require the customer purchased car insurance. As a general rule, banks in these cases offer "their" insurers. It is possible that the bank encourages you the most stable and honest insurance company in the insurance market, but there is no guarantee that the program proposed by the insurer that does not prove absolutely extortionate. Therefore, before you enter into a contract with the recommended insurance company, you should at least know the experts on this insurer, or reviews of the company's work on the Internet.

Pay attention to the conditions of insurance. In other words, the manner in which and the conditions under which the insurer pays compensation. Take into account the interest rate on insurance. Is often the case that the purchasers of cars being deceived low interest rate car loan, pay very high interest rate on the program recommended by the Bank.

Before you sign the contract, it is better to turn to a lawyer with the request that he learned the terms of this agreement. If you prefer to do it yourself, then carefully read the contract, checking every comma in it. Be sure to pay attention to the fact that the pledge agreement reflects the real cost of the car and real time credit agreement. In determining any differences in the agreement with the actual rates, do not accept credit managers or employees of dealers trying to convince you that this is done for the convenience of tax or payment of the loan. Do not forget that even the differences in the very small amount can lead to serious consequences in the form of huge overpayments. In addition to comparing the data, you should also carefully read the paragraphs setting forth "the rights and obligations of the parties." Most importantly, under the responsibility of the borrower for theft or damage to a constructive vehicle insurance company had clearly stated its commitment and action. Also check the validity of your insurance contract - it should not be less than the loan term or installment payment.

Take into account the size of insurance premiums, which can not be constant throughout the loan period. Indeed, in the process of operation of the vehicle the cost is constantly decreasing, and the calculation of insurance premiums, as a rule, on the basis of its assessed value.

If you will treat contemptuously to the contract, do not check it carefully, it can happen, so that in full and at their own expense you will have to indemnify the bank. At the same time if the car was stolen, or in the heavily damaged, the beneficiary will be a credit institution, the account of which the insurance company and list insurance.

Every day, car loans are gaining in popularity. At the moment they are second only to loans for the purchase of household appliances. But unlike the home appliances, car itself acts as collateral and, therefore, banks have requirements for their compulsory insurance. And, recommending insurance programs of its partners, it is possible that such lenders take into account and its benefits.

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?

Choice. Plastic and insurance

He has designed a plastic card - get insurance. Some of the banks as a bonus to its "plasticity," offer a variety of free insurance policies. What are the advantages and disadvantages inherent in the product "two in one", and which of the banks offering the best content on it, figured D.
Free insurance on the cards - a bonus that increases customer loyalty.
Free "sewn" in the card is not insurance, many banks. Of those who offer them, along with the most "plastic" give the customer travel policy. Some, though not limited to travel insurance, and at his own expense to protect against the risks of fraud kartholderov. His generosity of banks are usually the owners of gold card holders as "plastic" at a lower level of insurance is offered on a fee basis.
Information blockade
Map with insurance from the usual "plastic" in terms of functionality is not different, because its action is not tied to insurance. Simply by getting "plastic" will give you for free also an insurance policy against the company - a partner bank. With all the issues and challenges for the insurance of the owner will have to apply not to the bank, but directly to the insurer. In this case the insurance cost for the customer pays the bank, and they are driven at the same time, of course, not patronage motives. "Each bank is to attract customers offering any bonuses. Free insurance on the cards - it is an extra service that increases customer loyalty," - explains the reasons bankers love Kukina, head of the deposit and payment products retail business of the Bank of Moscow. Banks with a bonus, like, on every street corner would have to shout about it a market advantage. However, in practice, everything is exactly the opposite: his "charity" does not bankers prefer to advertise. Convinced by personal experience: not yet pointeresueshsya availability of insurance, Consultant, painted your pros "plastic" of the bank, nothing about this to say. Some banks on the sites and did nothing about the insurance card. It is unclear how the client should know all about the existence of this service.
Even if you accidentally found out that a bank card tied to the policy, then what is the "fruit" will not be easy to find. The bank reported only the most superficial information: what is insured and for what amount of detail is advised to contact the insurer. In the insurance companies (IC), the answer is even more "comprehensive": "When you have a policy, it will read everything." The second most popular phrase: "Ask the bank, they will tell you everything." It happens that the insurance companies do not even know about the availability of programs with the banks. For example, in the company "Sogaz" I have ten minutes to no avail trying to prove to the consultant that Gazprombank issue cards to holders of their insurance policies. When the representative of the insurer said: "I finally can not understand Nitsche, it is human" - had to admit defeat and hang up. So, if you want to find out beforehand what risks you are free to insure the map will have to spend a lot of time, effort and nerves, and without any guarantee results. I collect the most information about the "plastic" city-states could no longer as an ordinary customer, but as a journalist, after a formal request to the banks and Insurance.
As an entry-level cards Visa Electron, MasterCard Maestro gives no insurance for Visa Classic and MasterCard Standard "polis" bonus offer, but the most common practice of awarding the holders of "VIP-plastic". "Charge" plastic "Gold and Platinum categories is much higher than that of nepremialnyh cards, so the bank has the ability of these funds to pay for insurance. Also provide insurance on conventional cards unprofitable, for it would have to pay more than we would receive from a client , "- says one banker. Some of the banks 'Freestuff' insurance only distribute to holders of debit cards (Bank of Moscow), and some, on the contrary, only "kreditchikam" (Citibank). Banks with free card-insurances can be suspected that in their "plastic" they are set above market rates. But no - the cost of insurance card to fit in completely average.
Travel Bonus
The main form of free "card" insurance, which is pushing banks - protection when traveling abroad, which includes payment of medical and transportation expenses during sudden illness or accident. This is the basic insurance, it is present in virtually all the "card" programs. As a rule, issued kartholderam not standard and specially designed by the insurance company for a particular bank's policy. This does not mean that it will be worse than the usual product of the same IC, often just the opposite. "We have insurance cardholders, except for the risks included in the standard insurance for citizens traveling abroad involves additional risks such as theft of baggage, delayed baggage arrival and departure, legal assistance when an accident involving the insured," - explains the benefits of insurance card his company, Oleg Shtynda, head of travel insurance Insurance "Consent". "We offer comprehensive insurance, it reflects all the risks. If a person individually purchased insurance for these risks, he would have to pay a pretty decent amount, but when you make a map of such a policy, he gets free," - says Larissa Antonova, head of the department sales and customer base development control travel insurance company "Ingosstrakh". The fact that banks, providing a certain stream of customers, SC sell policies at prices ten times less than the retail tariffs. A set of risks and the amount of coverage in the travel insurance policy depends on the card status to which it is issued: the status of the above, the insurance is better. Thus, the cards Visa Classic and MasterCard Standard, the Bank of Moscow, Rosbank, Master of the bank, "KIT Finance" (as in SB-Bank, even a gold card) under the insurance coverage falls short of 30 thousand needed to obtain a Schengen visa. If you want a "classic" card with free insurance for not buying a separate turpolis, the choice of one - the bank "Russian capital" (RC). For debit cards Classic and Standard had relied insurance policy to cover the $ 50 thousand
In terms of card has a nasty caveat - the Commission (0.1% in rubles, 1% in dollars) for cash withdrawals at ATMs of their own. And credit card will not be able to issue (the bank does not release them).
Some insurers effect of the policy is tied to the use of the card. For example, the terms "AIG Insurance and Reinsurance Company", the insurance will take effect only if you pay part of the trip "plastic." Most banks insurance covers the same for all the cards life journey, but also found a differential approach. For example, the "Absolut Bank" on the gold card policy covers the 92-day journey, and for platinum - is 125 days. The very policy is issued, usually either at the time of the card, or a year. Some other features of a "card" turstrahovok not. The process of recovery for them is no different from the procedure of filing and payment, valid for ordinary policyholders. Therefore, you should carefully read the terms of the contract of insurance, especially the section devoted to the deductible, that is, the amounts that the insurer will not pay under any circumstances. Best of all, if the contract you do not find the word franchise, but there will be points of accident insurance, liability, payment of legal services and the provision of collateral in case of accident, payment machines in the repair of accident compensation trip cancellation, flight delays, lost or delayed baggage. The presence of these risks suggests that to your card you received a free full-insurance policy.
If the policy is valid not only abroad but also in Russia, is ideal. Such insurance shall be issued to the two credit card bank VTB 24 - "Gold Card" (Visa Gold, MasterCard Gold) and "map travel" (Visa Gold, MasterCard Gold). Attached to them the policy is impressive by the fact that all risks are covered abroad, fully compensated, and when you travel to Russia. In other "pro" card programs (SDM-Bank, "Globex", SC) cut in the first place, a set of risks, and secondly, the amount of payouts. And the maps themselves VTB 24 offers interesting. Credit cards are combined, it is possible to park their money, use the card as a debit. For the use of "plastic" to pay at a rate of 18% per annum in rubles, but only after the expiry of the grace period (50 days). The advantages include low and the commission for the withdrawal of borrowed money - 1% (in the debit option fee for cash withdrawals not). Annual service "Gold Card" would cost three thousand rubles. "Map travel" is more expensive - five thousand rubles., But it has an option in the form of round the clock concierge service. So, on set, and insurance, and highly plastic "merit" these cards can be regarded as the best among the gold of the family, with free travel insurance policies. It is worth noting another coverage for "Gold" in Raiffeisenbank, installed on it is impressive the amount of compensation - $ 500 thousand
In the platinum sector - also taking into account the overall evaluation, and plastic, and insurance conditions - a clear leader is difficult to identify the most suitable for this role, perhaps the Russian Development Bank (RDB) and SB-bank. In the first Visa Platinum credit card is issued as a, but on it you can keep the money and personal. The cost of maintenance is small - seven thousand rubles., But not required security deposit (money that can not be removed from the card), as some competitors, and there is no fee for cash withdrawals, even credit. As regards insurance, the "foreign" policy with coverage of $ 100 thousand is filled with all the necessary risks, except for one - there is no insurance against accidents. This item is present in the insurance program supplied with the Visa Platinum for SB-bank. In addition, its "foreign" insurance policy set is the largest among the "platinum" the maximum amount of insurance reimbursement - $ 150 thousand
Protection money
In addition to "travel" policy, banks are free to its customers only make out insurance against card fraud. Under the financial protection does not fall all the risks associated with the use of "plastic". Covered only cases where the money from the card you began to disappear after it is lost or stolen. In compensation, you can also qualify if you are robbed while withdrawing cash from an ATM, or within two hours after that. However, this risk is present, not all insurance (the "plastic" Rosbank RK and it is not). Claims, insurers are considering only if you have blocked card no later than 48 hours of lost or stolen cards. To receive a copy of the application submitted will need to provide statements to the police (the police) that after the loss or theft of the "plastic" you have lost money from the account. If you are robbed at the time of withdrawing cash from an ATM, will also have to go to the police for help. Such insurance is valid not only in Russia but also in any other country in the world.
Given that the "fraudulent" insurance, most banks partner with AIG, the amount of protective coatings on the program in almost all the same: the cards Classic, Standard a year pay 30 thousand rubles. On Gold - 60 thousand, and in Platinum - 90 thousand rubles. Moreover, offset by only two insurance cases per year, that is, if you run out of cash limit at one time, and in the same year occurred the following incident, you get nothing. Alone among the partners of AIG holds RBR, it limits some reason, much less: Classic - $ 500, Gold - $ 1000, Platinum - $ 2000. The plan also allocated the maximum possible compensation Rosbank, who works not with AIG, but with the "consent". He had the cards Platinum upper limit is set at $ 5 thousand, however, do card terms of service do not look particularly attractive: the platinum is "plastic" $ 300 per year, the fee for cash withdrawals (0.8%), and in addition, $ 9 5 thousand will always keep on deposit insurance.
The best platinum "plastic" with a free program antivorovskoy today probably have Orgresbank. As leaders of his presence brings reimbursement to restore the documents that are lost or stolen, along with the card. Service Card at the bank for "platinum" standards is cheap - five thousand rubles. As for the gold credit cards, Citibank stands out here, he also uses the services of AIG, but with a maximum of "Golda," he did not have 60 thousand and 75 thousand rubles. Annual fee for the card - 2950 rubles., The rate - 28% per annum, however, have a grace period (50 days). By debit gold "plastic" is to recognize the best new Orgresbank.
And here is the classic card is difficult to identify clear winner, each bidder has disadvantages. "Plastic" RDB all good, but the coating on it two times less than the other, while the RK and Orgresbank for Classic and Standard are not insured risks robbery in collecting cash from the ATM, in addition, there are fees for cash withdrawals. If the banks, insuring the risks of fraud for free, you do not suit you, you can insure at his own expense. This option Raiffeisen Bank, Citibank and "Renaissance Credit" offer of credit cards and bank "Societe Generale Vostok" - on debit cards

Rest does not matter

 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.

Policy for the extremal

The number of insurance claims with the skiers and snowboarders on the steep slopes is impressive: one in ten manages to get injured while on vacation. The price of the policy for those who like driving fast, traveling for a week in the mountains, less than one thousand rubles. Saving it is not: are not insured against injury, even experienced athletes
The cost of the policy to the basic insurance coverage (€ 30 thousand) for a trip to a ski resort in Europe for eight days will be 350-850 rubles. depending on the company (MSC were asked, "Alfa Insurance"
«Standard-Reserve», «VTB-insurance" and "Uralsib"). But it is better to look not at the price, but on the content of the policy. For example, some companies in the base rate includes the service organization to return the child home in case of serious injury the parent (IC "Uralsib"), others do not have this option. Meanwhile, this caveat is certainly worth consideration if you go on a trip with the kids. A situation where a parent received injury requires emergency surgery, and child in this case should be sent home, there often. Having decided on the matter of returning to their homeland, the injured parent can miss out on the time required for successful treatment. One caveat: some companies of the policy only applies to driving on marked tracks ("Alfa Insurance", MSC), in others there is no such restriction ("Standard-reserve"). "Standard-reserve" and guarantees payment of the first visit to the doctor, even if later the case and will be recognized as non-insurance.
Police skier or snowboarder must include the organization of health and transportation assistance, and adequate means of transport, according to the company "VTB-insurance." It should cover not only the cost of outpatient treatment for an occurrence, but also the costs of hospitalization, surgery, emergency dental care, as well as spending on prescription drugs. It often happens that the insurer pays for medical advice, a prescription for prescription drugs paid by the insured himself. Upon arrival, he must within one month to apply to the SC for the reimbursement of their expenses, but not everyone is at this time. It is better to resolve this issue once on-site doctor can give yourself medicine and include their cost in the bill, which pays the insurer. One caveat: the service company must send you in one clinic where a doctor will do it.
A full policy provides search and rescue operations, including helicopter evacuation from the stricken mountain skier. "Another thing is that no one will guarantee waiting time of arrival of the aid itself - says Natalia Kucherov, head of travel insurance IC" Uralsib ". - The fact that any resort is only one helicopter, and if at some point will need assistance to multiple skiers, someone will have to wait for their turn. " And in the case of less serious injuries to the rapid assistance is not always necessary to count, he said. First have to dial up the service center, his phone number listed in the policy (which is why you should always keep it to yourself), then get to the place of their own admission the doctor, who tells the operator, but there still may have to sit in a queue, waiting for admission.
Having defined a set of risk and insurance services medraskhodov, skiers should be insured by the same insurance policy against accidents, as well as to insure their civil liability. Police traveling with the civil liability of $ 15-30 thousand, medraskhodov $ 40 thousand, as well as the accident would cost $ 5-10 thousand for the eight round about 1.2-1.3 thousand rubles. If desired, also in the policy can provide protection from flight delays and cancellation of the trip.