How to make out medical insurance for traveling abroad

All the year round, Russians go somewhere to rest: they pick up packages that suit all the criteria, search for cheaper air tickets, book hotel rooms. But the design of health insurance, as a rule, only those who need it to apply for a visa are engaged. This approach, of course, is incorrect.

Why is medical insurance issued for traveling abroad

The conditions for entry into some countries require the processing of both a visa and a health insurance policy, which will provide assistance from professional medics abroad, if necessary, which, in turn, will help to avoid financial difficulties (sometimes very significant). We draw attention to the fact that it is not necessary to confuse the internal (Russian) medical policy with a special one intended for tourists. It should be drawn up in advance. And this is not difficult. In case you resort to the services of a tour operator, then there is nothing to worry about - medical insurance for traveling abroad will be provided by the agency.

LCA

There is another way. In particular, in most enterprises there are VHI, respectively, by contacting the insurance company-companion, you can draw up an insurance policy for them. It should be noted that there is a high probability that medical insurance for traveling abroad will cost in this case for free, in addition, the period of its validity will be a year, and not the time that you will spend in another country according to the vouchers. It remains only to call and find out the conditions, including the amount of coverage. The only thing if you are still on other issues are applying to a travel agency, you should warn them in advance about insurance and provide them with a issued policy.

Self-service policy

There is another option - to independently carry out travel insurance abroad. It's simple, cheap and most relevant, if you decide all the questions about the planned trip yourself. When applying to an insurance company you will need to provide a foreign passport and indicate the period for which you need a medical policy.

Cost of health insurance

In addition, it is necessary to clarify the amount of insurance coverage - this is very important for visiting some countries. For example, medical insurance for traveling abroad to EU countries, to Japan, the United Kingdom and the United States should have a cover amount of 30 thousand dollars or euros. In this case, the policy will cost 1-2 dollars or euros a day and will include the possibility of obtaining professional assistance in the event of an accident or sudden illness, as well as transportation to your home country, sometimes even dental services. If you are planning to go abroad for extreme sports (mountain skiing, diving, etc.), it is advisable to arrange an extended insurance policy. Of course, its price is higher - up to 2.5 USD or EUR per day, but it will include more possible services for medical assistance and even the possibility of evacuation by helicopter (for example, from a ski slope). If you are going to visit some CIS country, then the insurance cover is enough in the amount of 5 thousand US dollars or euro.

In conclusion, a few tips

• Do not forget to keep an insurance policy with you throughout the trip, and in case of an offense, God forbid, accidentally contact the insurance company at the numbers indicated in it.
• Just in case, you can make a copy of the policy.
• Pay attention to who is providing you medical care - if independent doctors, their services can not be compensated for.
• In detail and carefully learn the terms of insurance.