When going on a trip abroad, many people have many questions about insurance. For example, how to choose the right insurance policy so as not to face medical difficulties while traveling? And is he needed at all?
To insure or not to insure
For Russian citizens, travel insurance is voluntary. In any case, there is no law that prescribes mandatory health insurance when traveling abroad. However, in practice, it turns out that insurance is most often necessary, as required by the host. So, for example, you can get a Schengen visa only if you have a voluntary health insurance policy for the entire period of your stay in the European Union.
In cases with visa-free countries, for example, with Turkey, there is always a possibility that the border guard will want to check your insurance. And if you do not have it, then you have the right to refuse entry. And, of course, first of all you need insurance. It is better to really issue it in order to successfully overcome all border procedures and in an emergency situation you are not left to chance, at the risk of being left without medical assistance. And, in the end, a travel policy, like any other insurance policy, is an opportunity to manage risks.
What's included
The first rule of insurance is that you yourself insure your health and loved ones. Therefore, it is up to you to decide which insurance coverage to choose. Taking the "standard" or "minimal" option, without even studying what it includes, will be the first step to trouble. You pay money for the service and must clearly understand what is being offered to you in return. The principle of any insurance is to reimburse the client for losses, and the less the amount of insurance, the correspondingly less funds for your treatment will be compensated.
You can always choose the most expensive insurance by carefully examining the benefits and matching them to your needs. When choosing coverage, keep in mind that the coverage you pay for can be categorized by type of health care. By studying the rules of the insurer, you will know exactly what to expect from him and insure yourself against unpleasant surprises.
Different policies
Study separately what the insurance will be an insured event and what will not. Any injury related to a sports equipment, such as a volleyball, soccer ball, racket, etc., is not covered by your insurance. However, some companies offer extended coverage where you can add outdoor activities. One way or another, but in the domestic market of insurance companies, you can always find the option that suits you personally.
Do I need a franchise
A deductible is sometimes used in travel health insurance. That is, this is the amount that you will pay during the treatment yourself. All other expenses are covered by the insurance company. Deductible is one of the ways an insurance company can reduce its own costs for outpatient visits. However, it should be borne in mind that the cost of the policy in this case will be much lower. So, when choosing insurance coverage, carefully consider this point.
Algorithm of actions
The first thing to do if you still need medical assistance abroad is to call the phone number specified in your insurance policy. If you go to your doctor yourself without making a call to the insurance company, then they may later refuse to pay your costs.
