Insurance for travelers abroad: documents for registration and reviews of insurance companies

Going on a journey wherever it is, not everyone of us thinks about the possible turmoil that may happen to us. Here we mean not small domestic issues, but health problems, legal complications, loss of luggage and long delays in flights.

Help to cope with all the difficulties called for insurance going abroad, which is strongly recommended for all those who travel abroad, regardless of the length of stay. However, before you make out a policy, you need to learn a few very important things.

Do I need to sign a contract?

"Do you really need insurance?" - many such people who are going to go abroad are asked this question. I must say, they have certain reasons for this, but they are based only on the belief that if everything was good before, nothing will happen on the next trip.

Nobody is going to scare anyone, but think about what will happen if you suddenly need urgent medical help - after all, not only in the West, but also in many countries of Asia, medicine is paid and at the same time very expensive, And nobody will treat you there free of charge. And what if you are in a situation where you have to pay the damage to third parties? And it's good if there is an opportunity to pay a considerable sum. Yes, even if it will be - who is pleased to part with their blood?

Going to a foreign land, it is strongly recommended to arrange insurance for those traveling abroad. Even if it is not required to obtain a visa - the "airbag" is primarily needed by you.

What can include a policy

Standard traveler's insurance can provide for the reimbursement of costs for:

• Emergency medical care;
• A dentist;
• Civil liability to third parties;
• accident;
• Cancellation / delay of flight;
• Loss of luggage.

Please note: it is mandatory for any policy to be the first item covering costs in the event that you urgently needed treatment. All the other items are somehow additional and may not be on the list. In addition, other options offered by a specific company are possible, for example, insurance of pregnant women traveling abroad. To determine which costs are to be reimbursed, carefully read the contract.

By the way, it is especially worth mentioning the item not mentioned here, usually called the "Active Sports" companies. The essence of this risk is that if you have it in your insurance contract, you can safely engage in traumatic sports (skiing, snowboarding, surfing, riding a bike, etc.), being sure that you will be reimbursed For treatment, if suddenly you get damage as a result of these exercises. Therefore, if you are an advocate of active rest, be sure to include this item in your insurance!

Insurance policy in the tourist package

When you make a tour through a travel agency, you will surely be offered such a service as "Insurance of tourists traveling abroad." Even more, its cost will be included in the tour by default, especially if it's a trip to the country, for entry into which the availability of the policy is mandatory.

However, the quality of this insurance can not always be considered satisfactory. In addition, usually it is formalized only for the sake of formalities, and the amount of compensation specified in the contract may be too small.

That's why we can give you advice - if you have the opportunity, get a second insurance, already "for yourself."

Scheme of work

In order to better understand how health insurance goes abroad, you should remember the axiom once and for all: the company you are contracting with is not engaged in treatment, negotiating with clinics and doctors, and in general will not in any way keep with you Communication after the occurrence of the contract provided for by the treaty.

Insurance company - only an intermediary between you and the service company (assistant). In fact, it sells you assistance services. Assistance, in turn, is an intermediary between you and the hospital or doctor. It is he who will be in touch in case of what and send it to a medical institution in the host country if you need medical help.

Select a company

In a word, to consider in itself only an insurance company in isolation from the assistance will be fundamentally wrong and even dangerous. As could be understood from all of the above, the role of the first violin in the offensive will be played by the second intermediary. So when choosing an insurance company, first of all, find out what kind of assistance they work with.

Note that firms tend to change partners from time to time, so make sure that the information you get is up-to-date. They can also work with two or more assistants at the same time, in this case, when drafting the contract, you should make sure that you will be served by the particular intermediary that you wanted.

Nevertheless, the insurance does not cease to play the important role of the "first link", establishing contact between its client and assistance, and often inciting the latter to a positive decision in favor of his customer. That is why it is worth mentioning the companies, according to clients' opinions, which deserve trust. These are "Accord", "Medexpress", VSK, "Liberty", Allianz, "Renaissance". For each of them one way or another you will find negative feedback, but this is true for any company - even the best.

A little bit about the assistance

The most famous and authoritative in this area are International-SOS, Mondial, Class, AXA, Coris. Each of them can be traditionally strong in this or that region of the world, besides, everyone can have their own peculiarities in work.

Studying such a question as insurance going abroad, you will find that International-SOS is the most reliable assistant, it is he who has the highest percentage of positive feedback on cooperation. Of course, the price of this intermediary is slightly higher, but, in any case, this is a reasonable price for peace of mind.

The rest of the listed service companies also operate at a high level, and they can be relied on if you follow all the rules outlined in the contract.

It would be superfluous to mention the GVA assistance. He is very popular with insurance companies - many companies cooperate with him, but the reviews are the most negative. However, some compatriots choose this option because of its cheapness.

Amount of coverage

Almost any insurance contract implies the payment of a certain amount in the event of an insured event within a limited range. The more expensive your policy, the more reimbursement will be from the company. Try to insure yourself for as much as possible!

The visa rules of a specific country may allow for an insurance policy in the amount of 20-30 thousand dollars (it is a question of the amount of coverage for medical assistance). However, if you want to make insurance for yourself, and not "for a tick", it is recommended to insure yourself for a large amount - at least 50 thousand dollars or more. Especially it concerns trips to the countries of Europe and the USA where treatment can be very, very expensive.

Also try to choose insurance without a franchise - that is, without the condition of self-payment of small expenses that do not exceed a certain amount established by the contract.

Model rules of insurance for travelers abroad

Of course, all companies have their own conditions and insurance features, and, of course, all these features will need to be studied before signing. However, there are several typical conditions applicable to almost all contracts.

The first concerns chronic diseases. No insurance of citizens traveling abroad, does not provide for the treatment of your old and old "sores". If it is determined that the health problems that have arisen are a consequence of your chronic illness, you will be refused payment of the treatment.

Further - a complete ban on the use of alcohol, as well as psychotropic substances. If it is determined that at the time of the occurrence of the insured event in your blood there was at least a little alcohol or prohibited substances - you will also be denied reimbursement.

Another important nuance is the need to collect documents (police reports, case histories, checks) related to an insurance event. This is especially important, because far from always the insurance of travelers going abroad implies a cost recovery at the time of their incurring - sometimes you can get what is due only upon your return to your home country, attaching the above papers as evidence.

Documents for insurance

For registration of an insurance policy, as a rule, no special documents are required - almost all companies make out it only on a foreign passport. In this case, it is far from necessary to provide its original - for example, many firms offer policy processing through the Internet, which is very convenient, since it saves time and effort. Here you can recommend a very convenient service Cherehapa.ru, which will offer a choice on request, several companies in which you can apply for a policy on the site online.

The result

So, we decided that insurance is still needed. In this regard, here are some tips that can be given to any person going abroad.

First - carefully choose the insurance company and assistance, when preparing the policy, carefully read all the points. Do not spare the time to read carefully, so that later there are no unpleasant incidents and misunderstandings!

Secondly, try to avoid classes that are not stipulated by your contract.

Third - if the specified case does come, immediately contact insurance or assistance. In advance, take a picture of your travel insurance policy.

The implementation of these simple rules will help you get out of difficult situations with the least financial loss. Good luck on your travels, and be healthy!