Insurance in Thailand: which one to choose? All the pitfalls

What is the fundamental difference between a trip to a foreign country for a tour and an independent tour organization? In the first case, the tour already includes insurance, but in the second case the tourist will have to register independently. If there is an opportunity to visit such warm, but unusual for the Russian people countries, like, for example, Thailand, the topic of acquiring the policy should be paid in advance. What kind of insurance to choose for a trip to Thailand? Options where to buy, reviews about different companies are below.

Insurance company and assistant - what is more important?

With the concept of an insurance company (organization), many have known for a long time. But the definition of assistance (from English assistance) is still quite unusual. In fact, everything is extremely simple: the assistant is a kind of acting body of the insurance company, you might say, a branch. In case of an accident, this unit will deal with the injured (contact), that is, pay for the treatment of the tourist.

When choosing a particular company, it is worth to assess how strong the relationship of the parent organization and the above-mentioned unit. It is best to deal with those organizations that work in a well-coordinated way. Only then can we safely rely on a simple, understandable and prompt service in the event of an insurance situation.

In some cases, the assistant has the ability to make decisions independently and act without constant confirmation from the administration. Thus, only a few insurance companies work. However, not everything is so simple: for such freedom of action, the units have a limit of up to $ 1,000, while insurance cases that require high costs must necessarily be agreed directly with the parent company.

The rating of the best assistants includes the following units:

• Mondial Assistance.
• Euro-Centr (ERV).
• Axa assistance (AXA) and others.

In addition, when concluding an insurance contract it is necessary to take into account that not every hospital can cooperate with the chosen assistant. The problem also consists in the fact that such mishaps occur mostly in small towns, which are not particularly popular with tourists. Before choosing an assistant and signing an agreement, it is necessary to clarify the availability of hospitals (with which there is cooperation) at the destination.

Those tourists who have not yet decided whether they need insurance in Thailand, it is worth to find out what the climate and food products differ from Russian ones. After detailed acquaintance with such questions, all doubts will disappear. A health insurance policy for travel to Thailand is mandatory.

Where can I buy insurance: Internet service

Shopping on the Internet has long become commonplace. People buy a wide variety of goods on the Internet: from household appliances, electronics and furniture to food. In the vastness of the network, everything is sold, including insurance in Thailand, and to buy a policy, you do not even need to leave the house - just a few clicks.

The prices of policies on official websites of companies and aggregators vary significantly, so it's better to first look through all the options, and only then make the final choice. Insurance for travel to Thailand is a guarantee of obtaining medical care at an adequate level if necessary.

So, you can view the offers, choose and buy insurance on the following resources:

• "Comparison."
• Cherehapa.
• Tripinsurance.

The first option is equipped with a call center and a hot line, operators in real time can suggest the best options and help with the purchase. In addition, there is practically the widest choice of different types of insurance. The organization professionally accompanies the decision of all questions on a subject of the insurance up to reception of the policy on hands.

The second website offers customers not so many options, but has a more simple and intuitive interface. In addition, it is a ubiquitous resource that has long proved itself from the positive side in many countries.

The third option directly cooperates with one of the leading assistants - Mondial Assistance. The order and payment of the insurance policy of this company is carried out through the World Wide Web, and the documentation is prepared in the finished form by the customer by mail.

Which insurance companies are considered the best?

The list of insurance organizations is really impressive, so a tourist can think for a long time about what insurance to choose in Thailand. Below is a list of options for companies and their assistance. It is only necessary to take into account that the head organization and the division are not always directly connected.

Several options working in conjunction (head office - a specific unit):

1. ERV Travel (Euro-Centr). The leading division of the company is in Europe, so the service is appropriate: Euro-Centr is recognized as one of the best. Insurance in Thailand, drawn up in this organization, provides even such variants of incidents as a fall from a bike or a complication of pregnancy. The best choice is an order through the Cherehapa website: so you can save a significant amount of money by getting the same set of services. By the way, this option will cost even less than insurance in Thailand "Consent."
2. Tripinsurance (Mondial). In this case, the order and purchase of insurance is carried out through the company Tripinsurance itself. This organization has a wonderful assistant, with which nobody works in Russia now, which means that the offer is exclusive. The option has a lot of advantages: the company offers not only short-term service, but also the annual registration of insurance, additional facilities include the order of the policy after the flight to Thailand. Of course, such a contract will cost a little more, but medical insurance in Thailand will be formalized taking into account almost any of the possible accidents.
3. VTB (GVA). This option is considered the most budgetary possible. Although about the GVA assistant themselves tourists say not so much good, but still you can use it. Moreover, when choosing this particular unit, it is necessary to act through VTB, here the least amount of negative feedback is traced. Insurance in Thailand through such a bundle can be quite reliable.

Cost of insurance

The cost of processing the policy varies, depending on the options included and the service company. At the same time, economy-variants are often somewhat more complicated than expensive ones. Insurance for a trip to Thailand is also calculated taking into account the age of the tourist. Some firms set an increased ratio for children, especially under the age of three, but it is not worth saving on the policy. For example, the same "Consent" issues a policy for a child up to a year worth more than the usual five times. That is why at the moment this insurer is not very popular with tourists, especially with children.

In addition, the number of days spent on rest is also taken into account. Insurance for travel to Thailand will also include additional options in the form of extreme sports or motorcycle rides. By the way, it is necessary to take into account that if the accident happened during the management of the bike, but the victim was drunk at that time, the costs for treatment are not covered. In general, lovers of outdoor activities it is better to take advantage of such option as tourist insurance in Thailand with the inclusion of additional services.

The average price policy among the proposals is as follows:

• 7 days: active rest - from 697 rubles, without adventure - from 568 rubles;
• 14 days: active rest - from 1394 rubles, without adventures - from 1137 rubles;
• 30 days: active rest - from 3967 rubles, without adventure - from 2436 rubles.

According to the specified data, coverage of insurance is 30 thousand dollars. The cost is per person.

Important nuances

Many companies may not issue insurance if the border has already been crossed. That is why acquiring a policy needs to worry in advance, or when selecting the item, select the item "I already travel" (if offered). In addition, when staying in Thailand for more than 30 days or permanent travels it will be easier to choose the "Annual policy" mark.

It is advisable to purchase an option of luggage insurance, because the situation is different, especially at airports. So, the insurance for a trip to Thailand with allowance for luggage can be very useful. By the cost, incidentally, this policy is slightly different from the standard.

It is necessary to take into account the desire to relax actively, in particular, riding a motorcycle. Riding without rights in Thailand is punishable, and if the victim was without rights and in a drunken state, the insurance company will not cover the costs of treatment.

Before signing a contract with the organization, you need to carefully read all the points.

Additional options - is there a need?

Undoubtedly, if a tourist is an adherent of a quiet and peaceful holiday, then additional services are useless. But if you want to get all the emotions from the resort, it is better to take care of purchasing a full package of services, which will protect the traveler as much as possible. By the way, for children it is still necessary to change the cost of insurance from $ 30 thousand to $ 50,000.

In addition, everyone who goes on holiday in Thailand, it is important to know that when alcoholic intoxication of the injured at the time of injury or other incident by the insurance company, medical care is not paid. Not so important, I drank a glass of beer or an impressive amount of spirits. Upon admission to the hospital, tests are performed, the results of which will show the doctors whether there is alcohol in the patient's blood.

The very medical insurance to Thailand from accidents involves payment already upon return to your country. The death of a tourist is paid in the amount of 100% of the insurance amount of coverage, but bruises and fractures usually amount to about 10-15%. The policy itself will not cover the medical costs when they are in Thailand.

What you need to pay attention to

There are some aspects that should not be left without attention. These include: insurance of the current day, the acquisition of a franchise, the number of insurance days and so on.

Not all organizations provide insurance with the current day. When filling out an order for a policy, many are faced with this. The policy begins to operate from the next day. This way the companies protect themselves from those who like to make out insurance, already being on a trip.

Be sure to carefully read the list of cases that will be recognized as insurance. The given step will allow at approach of an insurance case to not remain without medical service. For example, some organizations do not insure against overheating in the sun and food dermatitis.

We also need to agree on the issue of the franchise - the amount that is paid to the injured in the event of an insurance situation. Account over this amount of financial resources is paid by the company itself. Honey. Insurance in Thailand with a franchise is somewhat cheaper.

The amount of covering the insurance for the child should be from 50 thousand dollars. In the event of an injury or severe deterioration in the state of health, the baby is urgently transported to a good hospital and will be treated accordingly.

It is always necessary to specify the number of safety days. The insurance can be confirmed for a year, but only 30/60/90 days are allowed in the country. In this way, insurance for bank cards is especially famous.

As a rule, insurance in Thailand can begin to act not immediately after the acquisition, but after a certain time. Such a measure is applied by insurance companies against unscrupulous customers who purchase the policy immediately after the occurrence of the insured event.

Is it possible to purchase insurance locally?

Of course, the option of acquiring an insurance policy on arrival in Thailand is possible, but it is worth considering that the insurance will come into force only on the fifth day. That is why it is better to solve the issue with insurance in advance.

Service for already traveling has a lot of inconvenience. On the same day, no one insures the tourist , and some sites and companies do not even inform about the terms of the entry into their rights of the policy if it was purchased already after the start of the trip.

Insurance directly from Thai organizations has many nuances. The main disadvantage is a higher tariff than Russian companies. In addition, the acquisition of a Thai policy is only meaningful if you plan to stay in the country for more than a year. The insurance plan of Thai companies is often divided into outpatient and inpatient treatment. There are also restrictions on the supply of medicines and the provision of a separate ward.

The fact that such a treaty enters into full force after 30 days from the date of signing refers to the shortcomings. Until that time, there is only accident insurance.

What to do in case of an insured event?

Before contacting the hospital, you need to inform the organization itself, in which the policy was drawn up. For this purpose, the document itself indicates emergency telephone numbers. It should be as accurate as possible to describe to the operator what exactly happened. Employees will also give the address of the nearest hospital that cooperates with the insurance company.

In addition, operators sometimes try to dissuade the client from visiting the doctor, so often have to report that the situation is critical and the expectation can turn out to be very unpleasant consequences.

To visit the doctor you will need a passport and a previously printed policy.

Insurance rating by reference

Before making a choice, it is better to review reviews about insurance companies. Medical insurance for travel to Thailand should be selected taking into account all factors.

Rating reviews are as follows:

• Tripinsurance takes the honorable first place. Many tourists choose this company every year. Mondial Assistance is the best insurance in Thailand, reviews about the unit are exceptionally positive. The representative structure of the firm is available in many travel agencies, the solution of problems with insurance fits in the shortest possible time.
• ERV is in second place (assistant - Euro-Center). Most positive reviews leave no doubt about the reliability and integrity of the company in relation to customers. However, there is such a nuance as compulsory registration of the policy only from your country of residence. This insurance in Thailand (reviews confirm this fact) is relatively expensive, but the stability of the organization allows you to choose the best quality.
• "Consent" takes the third position of the rating. In Russia, this is almost the most popular insurance in Thailand, and reviews in general are more positive than many other organizations. In 2016, the company entered into a cooperation agreement with Balt Assistance.

Many families, going on vacation in Thailand, often conclude an agreement with various insurance companies for themselves and children. This is because in some organizations there is an opportunity to call a doctor at home, which can be extremely necessary in case of a child's illness. For an adult, there is usually enough policy without this option.

Clients describe many cases when on vacation in Thailand a small child was ill with a family. Mother and baby are first taken to the local hospital, if the child's condition does not improve, the family is transported to Bangkok to the best specialists on the plane. Undoubtedly, such reviews increase the degree of customer confidence in insurance companies.

Some large organizations have their own Internet forums, where anyone can ask the question of interest. Employees of companies constantly monitor forums and answer questions of potential and existing clients. Including reports on controversial situations are also provided.

Finally

As can be seen from the ratings and reviews of tourists on the forums, the best insurance for Thailand is represented by several companies, the list of which is listed above. Every traveler can choose the conditions that will best meet his requirements for cost, leisure activity and other criteria.

Before rushing into the pool, it is desirable to allocate time for the study of proposals, monitoring reviews and forums about specific options. Only after studying all the necessary documents and finding out the nuances is it worth making final conclusions about which insurance is better.