Medical insurance is the same mandatory attribute of an overseas trip, like a passport and money. Any travel involves a certain risk, and the cost of overseas medical care is rarely low. In addition, many foreign consulates do not issue visas without confirming that the tourist has insurance.
Types of travel insurance packages
There are three main types of travel health insurance packages. They are classified according to the variety of insurance options provided in them.
The cost of the insurance policy depends on the country of destination, the list of insured events, the duration and purpose of the trip, the age of the tourist. The insurance rate per 1 day of the stay is usually $ 0.5 - $ 2.
Type A is the simplest. It covers expenses up to 15 thousand euros. Only emergency medical care is provided, if necessary, transportation to the country of residence. Does not provide coverage for damages, compensation for moral damage, compensation for the failure of the tour or incompletely used rest days.
Type B - extended. It provides for the provision of services for the first package, plus the possibility of evacuating the insured's children, returning home ahead of time in case of illness, as well as a visit by a close relative during long-term treatment.
Type C is the most preferable because it includes the options of the first two types, as well as baggage insurance, legal advice, assistance in returning home in case of loss of documents and return tickets.
The most important nuances when making an insurance policy
Insurance companies offer contracts in the form of ready-made packages, which can include additional clauses. When choosing a policy, it is recommended to pay special attention to important details.
The amount of insurance coverage. Its minimum value is set by many states. In the Schengen countries it is 30 thousand euros, in Canada, the USA and Japan - 50 thousand dollars.
During the validity period of the insurance, it is better to have a day or two in reserve after the date of the end of the tour.
Availability of a franchise. This is the amount of damage or expense that the insurer does not pay. For example, if the deductible is $ 100, and the visit to the doctor cost $ 120, then only the difference of $ 20 is compensated. An insurance policy without a deductible is somewhat more expensive.
Activation of the option "active rest". Recommended for tourists-lovers of sports, attractions and entertainment.
The possibility of treatment with insurance of the consequences of sunburn and heatstroke, which is important for trips to hot countries.
The feasibility of including other dental services in the policy, except for the provision of emergency care.
The need for baggage insurance. The carrier is responsible for the things transported in the baggage compartments, but in case of loss, compensation is small. The most valuable items are best carried in carry-on baggage.
When drawing up an insurance contract, you must carefully read its text. It is imperative to find out the emergency phone numbers and the procedure for actions in case of an insured event. This information should be reflected in the document issued to the tourist.
