Travel with a policy! VTB travel insurance

Sports insurance: pros and cons ????

Any type of insurance in VTB Insurance is issued in accordance with the legislation of the Russian Federation, since the company is regulated by the Central Bank of Russia and has a license from this organization. For those who often go on a trip, a policy is a necessary document, since no one is immune from unforeseen situations. The VTB Travel Insurance program will become a reliable assistant and protection during a trip.

Travel policy

A certificate of insurance is as important a document as tickets and passport. Regardless of the purpose for which the trip is planned, no one can be insured against surprises or health problems.

The program is designed for any type of travel: business trip, outdoor activities, extreme tourism, travel abroad, for health, sports or religious purposes. Persons who travel more than 100 km from their place of residence are subject to insurance.

VTB offers two insurance programs:

  • "Economy" includes medical services, transportation to a medical institution, and in the event of the death of the insured person - repatriation to their homeland.
  • "Standard" means a wider range of services. This is the return of people who own the policy and minors home, reimbursement of expenses to relatives whose departure is required to take care of the victim.

The policy will also come in handy in case of loss or damage to luggage, trip cancellation or flight delays. Protection is provided for pregnant women at any time, but the insurance does not apply to the management of pregnancy and childbirth.

The leader of European insurance Global Voyager Assistance (GVA), a partner company of VTB, renders services abroad.

How to get a policy?

You can go to the branch of the company (the list and location of offices is available on the website), write an application and receive a document. But it is much easier and faster to fill out an application on the official website of VTB Insurance. To do this, go to the "Travel abroad insurance" tab, study the program description, documentation. After that, go to the "Buy online" window.

In this tab you must fill in the fields for calculating the cost:

Sport is not only a noble, pleasant and exciting business, but also very dangerous. No one is insured against injuries, while an athlete has a risk of serious injury several times higher than that of an ordinary person. Therefore, in this case, the registration of sports insurance is a matter of prime necessity.

What sports insurance does

Sports insurance is a special “cash cushion” that will come to the rescue in case of an accident. Any injury requires treatment, often costly and time-consuming, in addition, there is a dropout from the training schedule, which entails a loss of skills and strength of the athlete. The average person can afford to just lie down using standard techniques, but this is not enough for a professional athlete. In this case, insurance can help - it covers all (or most) of the costs of drugs and medical services, allowing you to choose the most effective procedures and drugs.

Types and features of sports insurance

There are two options for obtaining sports insurance:

  • In the first case, the policy is valid for a certain period, which is chosen by the buyer. It can be 90 days, 6 months, or one year. You can activate the document at any time.
  • The second option provides insurance for a specific event, for example, a specific competition or a trip to another country. It can be a simple workout or outdoor activity.

As a general rule, the amount of payments is greater, the higher the risk group. There are three of them:

  • Sports in which the risk of injury is minimal. These are aerobics, biathlon, chess, swimming, table tennis, billiards, gymnastics and others.
  • Sports with a higher risk - sports tourism, volleyball, rowing, basketball, dance sports, weightlifting, pentathlon.
  • Extreme sports, which are characterized by a high degree of injury. This includes rock climbing, mountaineering, skiing and equestrian sports, acrobatics, martial arts, snowboarding and skating, shooting, motorsport

If a person has connected his life with extreme sports, he can either purchase a simple medical policy that will cover the payment for the treatment of injuries sustained during classes, or choose insurance from the National Assembly, which includes additional insurance in case of disability or death during execution of the exercise. The cost of the service will depend on the level of training.

You can insure not only life, but also a separate part of the body, for example, a leg or an arm

What is included in the sports insurance program

If you have bought travel insurance at least once in your life, you wondered: will it really help if necessary? Prices and coverage vary from company to company, and the terms and conditions of insurance are sometimes very confusing.

To make it easier for you to understand the intricacies of cruise insurance, we have prepared this material with answers to the most common questions.

If you had to cancel the cruise - return the cost

It happens that troubles come even before the start of the cruise, and you are forced to cancel your vacation. Agree that it is better to lose an extra couple of thousand rubles of insurance than a couple of thousand Euros of the cost of a cruise?

But not all insurance companies offer the option of travel cancellation insurance, in addition, the maximum amounts of coverage and the reasons for cancellation may vary from company to company.

Alcohol and insurance (not a couple, not a couple, not a couple ...)

Insurance companies, like dogs, don't like drunk people. Therefore, if you went over and, deciding to show your valiant prowess, shouting "Banzai", banged your head on the side of the pool, iodine, bandages and plaster of Paris you will pay from your pocket.

The same applies to an accident: if you have an accident with a rented car, being “under the fly”, get ready to compensate for the losses yourself.

Insurance and Medical Tourism

If you decide to inject yourself with Botox on a cruise, it would be better for you to change your mind: “Payment of the sum insured will be denied if the insured event occurred during a tourist trip, the purpose of which was medical treatment”.

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