Registration of medical insurance for a trip abroad

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Traveling abroad today is no exception to the rule. Many residents of the country have already repeatedly visited different cities in Europe, Asia, America.

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Along with this, tourists are poorly guided in matters of life and property insurance, and in general this procedure is not considered mandatory.

Travel medical insurance - basic concepts

Medical insurance for traveling abroad is an insurance obligation towards a client to cover costs and provide quality medical care in another country.

It is extremely necessary, since the treatment abroad of even a banal cold or an appointment with a specialist costs a round sum.

Also, you can't do without a life insurance policy:

  • Because she is on the mandatory list for obtaining a visa to European countries;
  • Since the policy is a guarantor for visiting a medical institution abroad;
  • Insurance will cover or significantly reduce the cost of medical care abroad.

The importance of travel insurance

Medical insurance for a tourist is very important, because rest is the knowledge of something new and unknown, and this is where the policy comes in handy.

Standard insurance conditions include:

Why does a tourist need insurance?

Naturally, when going to the resort, we think only about the positive aspects of the upcoming trip: the gentle sun, gorgeous views and new impressions. Unfortunately, the trip is not always cloudless.

It is insurance that will guarantee the possibility of receiving assistance in the event of various kinds of unforeseen situations. Let's talk in more detail about what kinds of insurance are available and how to choose the best option for yourself in terms of price and range of services provided.

What services does the policy include?

Depending on how much money you are willing to spend to ensure yourself a carefree and comfortable stay, there will be significant differences in the list of insurance services.

Insurance against flight delays, accidents, non-departure and loss of baggage is much less in demand. Nevertheless, depending on the purpose of your trip and personal preferences, any of them may be necessary for you.

Types of medical insurance for travel abroad.

With all the seeming variety of health insurance options offered, they can all be divided into the following types:

  • Minimum (Level A). The most necessary list of services associated mainly with the provision of emergency assistance. Also includes the repatriation of remains in the event of the death of the insured.
  • Standard (Level B). offers a fairly wide range of possibilities for the protection of the tourist's health, including the possibility of hospitalization. Suitable for families with children.

Insurance and travel companies are actively promoting the following insurance packages:

It seems that there is no such person who would not like to travel. Travel almost always evokes positive emotions and a lot of vivid impressions in a person. But such a vacation, like any event, is associated with some risk. Some unforeseen situation can always happen to you. For example, you caught a virus, twisted your leg, had an accident, or your child fell ill. Such situations are unpleasant in themselves, but in addition to all this, they will still cost you quite a lot.

Abroad, the cost of medical care and medicines is several times more expensive than here in Ukraine, and in many countries abroad they refuse to provide assistance to tourists without medical insurance.

But how to provide assistance to a tourist who has encountered such problems? And what advice can you give tourists in such situations? What guarantees can a travel company offer to tourists so that "unforeseen situations" end quite safely, and most importantly, with the least possible losses.

In this article you can familiarize yourself with the most pressing insurance issues and situations related to them.

What types of insurance can the travel company offer tourists?

The following types of insurance are currently used in the travel business: accident, medical, travel cancellation insurance, transport delay insurance, personal property insurance, car travel insurance and a number of others.

The most important type of insurance in tourism is considered to be medical insurance, which covers the basic costs of emergency medical services, and this is the transportation of the patient, the cost of drugs, patient care, and in the event of a fatal accident, the transportation of the body of the deceased to homeland. Article 16 of the Law of Ukraine "On Tourism" states that insurance, which is medical insurance and accident insurance, is mandatory for all tourists, without exception, who travel abroad. Insurance is provided by the subjects of tourism activities on the basis of agreements with insurance companies.

Currently, health insurance is a prerequisite for obtaining a visa to any country in the world. The amount of the insurance premium depends on the country of destination and on the size of the minimum limit of insurance coverage, which is set in each country separately. So, according to the requirements of the consular services of European countries, for a trip to the Schengen countries, the minimum amount of insurance must be at least 30 thousand euros. For Australia, Canada, China, USA, Japan, this amount is already 50 thousand US dollars. When traveling to countries where there is no set limit for the sum insured, travel agencies themselves determine the amount of insurance coverage. So for Russia and the CIS countries, the amount of insurance coverage is 10 thousand US dollars, and for Egypt, the United Arab Emirates, Turkey, this amount is equal to 15 thousand US dollars.

Also, each tourist can independently issue an insurance policy, but in such a situation, he must warn the travel organization in advance about the existence of the concluded insurance contract.

What is an insured event and what does not apply to it?

The "suitcase" mood before the long-awaited trip abroad does not at all dispose to the seriousness of the paperwork, and you can understand this. Still, not so often we go to rest! However, when making a tour abroad, it is very important to choose the right insurance, and if you travel on your own, it will be useful to personally contact the insurer.

Travel Insurance

It would seem that travel insurance with us is voluntary, except for those cases when the host country requires insurance without fail - this is what the federal law says. However, travel agencies are now entrusted with a great responsibility for tourists, so the manager, most likely, will not even ask your opinion on this matter.

  • All travel agencies conclude an agreement with the insurance company in advance and, together with the tours, also promote its services. In fact, this is not a bad thing.
  • What is wrong is that tourists are often unconscious and recklessly sign insurance contracts.
Travel insurance

What is insurance

Often the set of services of the basic package of compulsory health insurance (MHI), to put it mildly, leaves much to be desired. In the event of an insured event - illness or, God forbid, death - you will be provided with only the most basic medical assistance or repatriation to your homeland will be provided. Even inpatient treatment and payment for medicines are not always included in the basic package.

The price of such a package per day is about $ 1, while if an insured event occurs, the amount of compensation will be 15-30 thousand dollars. If you choose an extended package of voluntary health insurance, you will pay about $ 2 a day, but the insurance benefit in this case will already be $ 50 thousand.

In addition, all activities that may be needed in case of illness will be included here:

  • Doctor's appointment and examination;
  • Purchase of prescribed drugs;
  • Payment for inpatient treatment or hospital stay;
  • Repatriation of children to their homeland, if you are delayed in the hospital;
  • Payment for a round trip ticket for relatives wishing to visit you abroad;
  • Repatriation of you to your homeland: if there is evidence - accompanied by a doctor.

It is worth considering only that the treatment of chronic, mental and diseases caused by alcoholism or drug addiction is not included in the insurance. Therefore, if you are going abroad already feeling unwell, then you will hardly have to rely on insurance if you get worse on vacation.

Insurance types

Two dollars per day is the approximate cost of insurance: it may be higher for older tourists and for those planning to engage in extreme sports on vacation. In the latter case, it is recommended to include accident insurance in the voluntary insurance as well, because this option is not included in the medical policy. It is also important to know that accident insurance, in contrast to health insurance, is compensatory, not service.

Policy OMS gives confidence in free high-level medical care only to those who have never sick. All the others, contacting the medical institution, can not only not improve their health, but also spoil even the happiest moments of their lives.

Read in this article: <

  • What is a DMS
  • how does the DMS system run
  • what is included in the DMS
  • how much is the policy of the DMS <
  • for what is needed by DMS
  • why DMS is more profitable for paid reception
  • tourist insurance against the Russian Federation
  • in vain hopes for OMS
  • Who needs a tourist policy
  • Do I need to insure
<

Medicine in Russia is free and guaranteed by the Constitution of the Russian Federation (part. Art. 41). Each citizen has a policy of compulsory health insurance (OMS). According to him, the state provides the same medical care package in all points of our country. That is, both in Uryupinsk, and in Nakhodka, and in Moscow, patients with the same diseases should receive the same diagnosis and treatment.

It seems that nothing to worry about. But in fact everything is somewhat different.

Mikhail Kenegezov, whose wife was injured a week before the trip to the wedding trip, faced another reality of free medicine. Newlyweds appealed at night Fridays in a traumatical point at the place of residence. It installed the equipment of the old sample. By a shot, the doctor could not accurately diagnose. To exclude a fracture, he could not and put the young gypsum with a spouse, like when a fracture. For repeated reception, the patient was invited in ten (!) Days, saying that it would be possible to make an x-ray and put the correct diagnosis. The tickets were bought in advance, and the wedding trip to the sea with the hipged foot was not the limit of the dreams of newlyweds. And would sit on them, like pensioners, at home, but the situation saved the PMC policy.

The next day, the newlyweds turned to a private medical center to which Mikhail's spouse on the DMS was attached. The doctor with the help of new equipment was able to exclude a fracture. He discovered the crack in the bone. After that, the gypsum was removed and recommended riding a vacation, taking with me crutches. The honeymoon was saved, and Kenegez planned the acquisition of the DMS program for himself.

What is DMS

Voluntary Medical Insurance (DMS) - the type of insurance in which the insurer (insurance company) pays medical assistance to the insured during injury or illness.

VHI is an additional package of services to the MHI that you can choose yourself, taking into account your health status

It allows you to receive modern and high-quality service even in those private clinics that do not work under compulsory medical insurance. Mikhail Kenegesov highly appreciated the capabilities of the VHI:

Voluntary health insurance in terms of the volume of services may coincide with the compulsory medical insurance, but such assistance will be provided in accordance with the standards.

The VHI system saves people, but more often it allows you to provide medical assistance in such a way that it will not be brought to a life-threatening condition. If dysbacteriosis has begun in an infant, then in the district clinic, according to personal experience, he will receive a coupon for sowing feces in 2-3 weeks. The results will be received by the local pediatrician in 8-10 days. That is, adequate treatment for an infant will be prescribed only after 3-5 weeks. Just imagine how the baby and his parents will feel. And with weakened immunity, the situation can be complicated by gastroenterocolitis and even sepsis.

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