Everyone knows that a tourist needs medical insurance. But sometimes it happens that the insurance was issued, but there was still not enough money for treatment. How to correctly issue a policy for a tourist in order to be truly insured against any event?
How much to insure
If a Russian travels around the country, it is enough to take a compulsory health insurance policy with you. This is a guarantee of receiving assistance in any medical facility in Russia - from the Golden Ring to Sochi.
But abroad, this policy is not valid and insurance is required. Even a visa will not be opened to the Schengen countries if there is no insurance for at least 30,000 euros. This amount is the minimum, according to experts, that is needed for an operation or transportation of a seriously ill patient to Russia. Better more - 50,000 euros. The policy will cost an average of 1-1, 5 euros per day of stay abroad. So it's not that much money for your own peace of mind, health and even life.
Turkey, Egypt, Thailand - these countries are not so sensitive about the health of arriving tourists. Here, insurance policy is not a prerequisite. Minimum insurance is included in the price of the tour. But usually this amount does not exceed 15,000 euros. Therefore, it is strongly recommended to buy additional insurance from the travel company or arrange it yourself.
What is included in the standard insurance package
Emergency medical care (including dental) and transportation to the hospital. If assistance is provided in a hospital, you will have to pay for the medicines yourself. They will definitely help with colds, injuries, burns, poisoning and other diseases, except for the exacerbation of chronic ailments. Here, only the first aid will be provided, and then you will have to complete the treatment at your own expense.
This is a standard package, so an advanced package is recommended. Yes, it is 30% more expensive, but it includes not only all types of assistance, including when doing extreme sports, but also, for example, tickets and hotel payments for relatives who flew to a sick tourist, or sending children home, parents who got sick and are in the hospital.
Who will not receive medical assistance
In different insurance companies, the conditions and the list of services are different. It is worth reading the contract carefully. But basically all companies are unanimous in that they do not provide medical assistance to tourists who injured or otherwise harm their health while intoxicated.
In the event of an insured event, it is enough to call the phone number specified in the policy. They will answer in Russian and give instructions on how to act in this situation. The insurance agent will contact the required medical facility himself.
