Medical insurance in the package of documents is a prerequisite for obtaining a visa to the Schengen countries, the USA, Australia, Japan and a number of others. But for visa-free countries for Russians, the design of insurance is at the discretion of tourists.
But to get insurance is not only for the permission to visit the desired country.
What does insurance go abroad (VZR)?
TCD insurance gives the insured person (child, adult) the right to receive emergency medical and other assistance (transport, legal, administrative, etc.) in the event of an insured event. All that is provided by the insurance program within the limits of the insurance amount.
All necessary assistance in overseas territory is organized by employees of the company’s Assistance (hereinafter referred to as the Service Center). It is an intermediary between the insured, the insurance company and various local organizations (medical, transportation, etc.). That is, having insurance, parents will thereby protect themselves from searching for specialists, medical institutions, etc. in an emergency situation.
It will only be necessary to call the Service Center (phone numbers are in the insurance) and follow the instructions of the employees.
The insurance company pays bills for services rendered to the insured (within the insured amount). Thus, parents pay only once when they buy insurance (insurance premium). Moreover, the amount of the sum insured is many times greater than the size of the insurance premium.
That is, parents thereby protect themselves from unforeseen large-scale spending of money in a foreign country, if help is urgently needed.
Thus, insurance gives you a sense of security, peace of mind for yourself and your loved ones. The absence of disturbing thoughts will allow you to fully concentrate on getting positive emotions.
Why actually we go on vacation.
Where can I buy insurance?
Through the tour operator when buying a voucher (already included in the tour price). Such an insurance covers only a minimum list of expenses, within the minimum insurance amount, which may then be insufficient to pay for expensive treatment or emergency surgery.
In addition, tour operators charge a commission for intermediary services. Parents have the right to refuse insurance from a tour operator in order to subsequently purchase personal insurance directly from the insurance company.
This waiver must be recorded in writing.
Directly in the office of the insurance company you can get insurance depending on your individual needs and travel goals. Such insurance will cost more than the tour operator, but it will also benefit more.
Through the Internet online on the official website of the insurance company. It will be necessary to fill in the form (enter your full name, date of birth, passport number, e-mail and phone number), select the appropriate insurance program for TCD, indicate the details of the trip (country of residence, duration of the trip and the desired amount of insurance).
Further, you should confirm that you are familiar with the rules of using informational legal support and internal insurance rules, which, in essence, is a contract, and allow the insurer to process your personal data. Then you should make an online payment of the insurance policy in the way that is convenient for you (by credit card, electronic money or SMS payment). Ready policy and accompanying documents will be sent to your e-mail (at the address specified in the questionnaire), and a copy of it on your smartphone.
The authenticity of the policy is confirmed by a digital signature. The policy should be printed and put your signature on it.
If necessary, a paper policy with a blue print can be obtained at any office of the insurance company.
Electronic insurance policies are accepted at all consulates and embassies. Another advantage of the electronic policy is that it can not be lost and can be printed at any time.
Tip: Purchase a policy only on the official websites of well-known insurance companies (they have a streamlined, safe and convenient process for selling insurance online).
Attention! If you are already in another country, then it is impossible to purchase insurance online.
Going abroad with a big family
A very common and natural question: how to get insurance for a large family leaving (parents, three children, grandmother, grandfather). Does this mean that the insurance contract will be general, or for each family member?
How is the sum insured – one, or for each separately? Can I count on discounts?
You can issue a general insurance contract for the whole family (with a list of family members attached). Then all the insurance conditions specified in the contract (insurance amount, terms of insurance, risks, etc.) will be equally applied to each person inscribed in the insurance.
You can enter into individual insurance contracts for each family member separately. And the sum insured for each insured is different.
By the way, some parents insure their children for a greater amount than themselves.
As for discounts, some insurance companies make them only with simultaneous insurance of a group of 10 or more people.
What else can you insure when going abroad?
In the base case, TCD insurance is medical insurance, which guarantees the provision of qualified medical care for various diseases. However, if desired, the client can add the following insurance products to his insurance package:
- accident insurance;
- insurance in case of cancellation of a trip or change of terms of stay abroad;
- non-departure insurance;
- baggage insurance;
- third party liability insurance;
- apartment insurance during the trip;
- liability insurance to neighbors at the time of the trip.
What is the insured amount to enter into a TCD insurance contract?
The amount of the sum insured (i.e., the amount to which the insurer will be obliged to indemnify the expenses incurred) depends on the requirements of the country that the insured is planning to visit. So, for the countries of the Shegen agreement, the insured amount should be at least 30,000 cu per person. For the countries of the Middle East (including Egypt, Israel, the United Arab Emirates) – not less than 30,000 cu.
For the countries of Southeast Asia (including Thailand, China) – not less than 50,000 cu
However, if you want to make insurance not “for show”, then insurers recommend to issue insurance for a larger amount. A smaller sum insured may not be enough to cover all expenses in the event of a serious illness or prolonged hospitalization.
Another argument – the cost of medical services is constantly increasing.
From 2016, all insurance contracts for TCDs must be concluded in an amount of not less than two million rubles (at the official rate of the Bank of Russia as of the date of the conclusion of the insurance contract). This requirement came into force in accordance with the new Federal Law of June 29, 2015 No. 155-ФЗ “On Amendments to Certain Legislative Acts of the Russian Federation”.
In case of refusal to apply for such insurance, the tourist (or his relatives) will bear all medical expenses independently.
What influences the cost of insurance?
The cost of insurance is individual and depends on many factors. The main components of the cost of insurance TCD:
- insurance territory (how expensive medical services are in the country);
- terms of insurance;
- type of recreation (entertainment, sports, beach, tourism, etc.);
- the amount of the sum insured (within which the insurance company will pay the bills) (the larger it is, the more expensive the insurance);
- availability of a deductible (the amount that the client undertakes to pay independently) (insurance with a deductible will cost less, although you can enter into an insurance contract without a franchise);
- a set of risks taken on insurance (insurance claims);
- the number of services provided;
- age (for children (up to 7 years of age) and elderly people (after 65 years of age) use increasing coefficients from 2.0 to 5.0).
When does an insurance contract come into force and end?
Elina Melik-Pashayeva, Head of the Department of Personal Insurance and Insurance in Tourism, RESO-Garantia SPAO: “The contract takes effect from the moment the insured crossed the border of the Russian Federation, but not earlier than the date specified in the insurance policy as the beginning of the insurance period, and ends action from the moment of crossing the border of the Russian Federation, but no later than the date specified in the policy as the expiration date of the insurance contract. ”
It means that the road to the airport and waiting at the airport are not the responsibility of the insurance company. Therefore, be sure to take the OMS policy with you.
What to do if you need medical care abroad?
It is important not only to arrange insurance, but also to be able to use it.
First of all, the insured (or his representative) is obliged to inform employees of the Service Center about the incident. To do this, call (at the phone number indicated in the insurance) and report the following: Full name of the insured; insurance fox number; complaints, circumstances, nature of the required medical and other assistance; the exact location of the insured (address, hotel name, room number, contact numbers).
The employee of the Center, as a rule, will discuss all questions in Russian, find the necessary doctor, medical facility, arrange transportation if necessary, and provide all necessary assistance. Parents must strictly follow all instructions of the Center employee.
Tip! Be sure to record the details of the employee of the Service Center with whom you will communicate by phone, as well as the registration number assigned to the insured event.
The process of interaction on the insurance case may take a long time. Therefore, report the number not only of a mobile phone (which can be discharged or on which money can run out), but also of a landline (for example, at the reception of the hotel). In addition, it is better to leave the phone numbers of relatives, skype, e-mail and other information so that the staff of the Service Center can contact you at any time.
Since the insurance provides for reimbursement of telephone charges, then take a printout of your phone calls.
If there is a serious threat to life, what to do first of all: call an ambulance or call the Service Center?
Vasily Glukhov, director of the Department of Insurance going abroad, CAO ERGO: “When we talk about urgent medical care, the bill can go for a minute or the insured can be taken to the hospital unconscious. In this case, it is necessary to accept help from someone who can provide it at the moment, to call “Ambulance” on their own (this can be done by relatives or friends). In this case, be sure to notify (yourself or ask someone) the Service Center about the incident (who helped you, which medical institution, with what symptoms), so that the Center staff could guarantee payment of medical and other services to the medical institution.
If you had to pay your expenses yourself, then upon arrival in Russia, contact all medical and financial documents received at the medical institution in the office of the insurance company to receive compensation for your expenses. If the case is recognized as insurance, then you will be reimbursed for the expenses you incurred. ”
If an employee of the Service Center reported that the case is not an insurance case, what should be done?
In this situation, be sure to contact the office of the insurance company. Perhaps the information is erroneous, since the Service Center works with several insurance companies and their conditions differ.
If the refusal to provide the service is confirmed by the insurance company, then medical expenses will have to be paid independently.
Tip! Always take a reserve amount of money to pay for medical services, as not every case can be considered insurance.
Be sure to keep all checks and documents, especially if you do not agree with the refusal. After returning, you can try to resolve the issue in a complaint or court.
If the case is not covered by the insurance, anyway, explain the situation to the Service Center employee and ask for help. You can help orient, advise qualified assistance for reasonable money.
You will have to pay, but you will know that competent people take care of you.
If our family is delayed abroad, then how should we deal with insurance (can it be extended)?
It is impossible to extend the insurance or purchase a new one, already being abroad. It should be framed only before traveling abroad. Therefore, it is better to issue a policy “with a reserve” before the trip, for a longer period than the trip itself.
Otherwise, any change in the schedule of staying abroad will automatically deprive you of insurance protection.
How will events develop if by the end of the trip (and, accordingly, insurance), the return of the insured will be impossible due to hospitalization caused by the insured event?
Elina Melik-Pashayeva, Head of the Department of Personal Insurance and Insurance in Tourism, RESO-Garantia SPAO: “If the sum insured is not exhausted, the insurance company will take measures to transport the insured to the place of permanent residence. If it is impossible to do this immediately for medical reasons, the transportation will be organized as soon as possible (that is, when the doctors give permission).
This will be done despite the end of the insurance contract.
If an insured child under 3 years old is hospitalized with the parent, the insurance company’s obligations apply to the parent. In this case, the insurance company will pay the costs associated with living one parent for the period of the child’s illness (within 100 USD per day), as well as transportation costs for returning them to their place of permanent residence. ”
Who will pay for the treatment of the insured if the sum insured is already exhausted? Is it possible to pay for medical care from the insurance amount of someone from our family?
Vasily Glukhov, Director of the Insurance Department for Traveling Abroad, CAO ERGO: “If the sum insured is exhausted, then further treatment must be paid for at the expense of the insured person himself (his representatives, relatives). In insurance, there is no such practice as “transferring” the insurance amount from one insured to another. ”
I and the child have chronic diseases. Is it possible to provide in the insurance payment of medical expenses in case of their exacerbation?
Cases of exacerbation of chronic diseases (known at the time of the conclusion of the insurance contract) are the standard exception from insurance coverage. This means that if it is established that the health problems that have arisen are a result of a chronic disease, then treatment will be denied, you will have to pay yourself.
However, in the event of a life threat, some insurers are willing to pay the costs of emergency medical care until the threat to life is eliminated. And not completely, but within a certain amount (for example, up to 1000 cu for the entire insurance period).
This is quite logical, since the essence of insurance is protection against risks, the occurrence of which is difficult to predict in advance. If a person with a chronic disease goes to rest in another country, the responsibility for his own health should lie with him, and not with the insurance company.
Therefore, firstly, before traveling abroad, it makes sense to correct in advance the existing health problems. Secondly, we recommend taking all the necessary medicines with you, since in many countries, even the simplest drugs are sold only by prescription, and to get it, you need to consult a doctor.
Doctors do not have the right to give a prescription without conducting an examination, which may cost more than 1000.e. Insurance does not cover these expenses.
Thirdly, take on a trip some reserve amount of money to pay for medical services in case of exacerbation of chronic diseases.
Is it possible to buy insurance for which pregnancy expenses will be paid?
Most insurance companies deny insurance to pregnant women. Other companies agree to insure a pregnant woman, but with reservations. For example, the gestation period should be up to 28 obstetric weeks on the date of the end of the insurance period (different terms may be indicated in different companies).
But the main thing is added that insurance coverage covers applications that are not related to pregnancy or childbirth. This means that the insurer will not pay the costs associated with consultations, examinations, treatment of any complications of pregnancy, obstetric assistance (including cesarean section), the postpartum period and care for the newborn.
If the future mother has any health problems that are not related to pregnancy (for example, trauma, ARVI), then medical care will be paid.
Only a few insurance companies include the additional risk “Pregnancy” (for an additional fee).
Our family plans to ski abroad and snowboard. What kind of insurance do we need to buy?
You need individual insurance with the extension “Sport Risk Insurance”. As a rule, this extension includes reimbursement of expenses for search and rescue operations (including expenses for air search), transportation accompanied by medical personnel to a medical institution, emergency medical care, the provision of various types of research and diagnostics, and payment for medical preparations.
In addition, in the case of a fatal outcome, transportation of the body to the Motherland.
We also recommend to insure your civil liability in case of damage to life, health, property of third parties. This extra service is inexpensive, especially if you count the costs in the event of a collision with another skier or snoopard.
Be sure to pay attention to the sum insured – it should be more than $ 50,000. Be prepared that the cost of such insurance will be several times more expensive than conventional medical insurance (the multiplying factor can reach 5.0, depending on the extreme sports).
In the insurance must be spelled out the types of extreme rest, which you plan to do.
And finally, if you want the insurance to work, you will need to follow basic safety rules and have special protective equipment (helmet, etc.). In addition, most insurance companies allow skiing only under the guidance of an instructor.
Otherwise, the insurance company will refuse to pay you even on the most expensive insurance.
Vasily Glukhov, Director of the Department of Insurance going abroad, CAO ERGO: “If you have purchased a general policy for the whole family for active recreation, then the conditions of this policy apply to everyone who is listed in it. Therefore, if a family with young children who are not yet able to engage in active sports, for example, goes skiing, it is advisable to make a separate policy for children, since they are unlikely to need that extended range of services, which includes a policy for sports “.
We plan to go on a winter vacation with the whole family to one of the African countries. What kind of insurance should we choose?
Marina Daryushkina, Director of Underwriting and Mass Insurance Methodologies, Renaissance Insurance Group: “As for travel insurance to exotic countries, it is important to study the requirements of the consulate for necessary vaccinations and be sure to comply with it. In this case, there will be no exemption from insurance coverage if the disease caused the vaccine. ”
When planning a trip to exotic countries in Africa, South America and Asia, it is imperative to study which infections and diseases are most common in a given country. When purchasing insurance, take care that your insurance covers the cost of their treatment.
Also, see the list of exclusions from insurance coverage. For example, insurance companies often add dermatitis, urticaria, allergic reactions, non-poisonous insect bites to the list of exclusions, except when emergency medical care is needed to save lives.
As a rule, insurance does not provide for the treatment of deterioration of health due to exposure to solar radiation, which led to sunburn or heat stroke.
For travel to exotic countries, it is desirable to increase the insurance amount. This is explained by the fact that in places remote from the infrastructure, the organization of assistance will be difficult, medical air evacuation may be required, therefore, the costs can be significant.
Be prepared that insurance will cost more than European countries, for example. Depending on the exotic country, a multiplying factor of 2.0 – 4.0 is used.
You must understand that insurance is not able to reduce the likelihood of any trouble or illness. Insurance only compensates for the cost of treatment.
Therefore, travelers need to follow basic safety rules. For example, during a trip it is necessary to use only bottled water, carefully follow all hygiene procedures.
In addition to prevention, experts advise to take with you a personal first-aid kit, adjusted for the specifics of threatening diseases and dangers.