(1) About wandering and travelling.
(1) About wandering and travelling.
Houses, as is known, and walls help. On foreign land and chih it is dangerous.
On what it is necessary to pay attention, concluding the contract from the insurance
The company if you are going to to go to foreign tour or
Travel across Russia?
Insurance of unforeseen medical expenses for the leaving
For limits of Russia though is formally voluntary, but
Today became practically obligatory. First, abreast
The states (for example, the countries of the Schengen agreement, the USA,
Canada) without the medical insurance entrance is closed - embassies
Simply do not give out the visa to the persons who do not have an insurance policy.
Secondly, the travel agencies sending Russians in
The countries which are not limiting entrance on the territory
Not insured tourists (Turkey, Cyprus, Egypt and so forth), today
The automatic machine switch on the policy of one of the insurance companies in turpaket
Together with the air ticket. Thus round cost increases all on
1 %.
Basically it is possible to refuse the insurance, but it will want to whom
To risk hundreds or even thousand dollars which it is necessary
To lay out in foreign clinic in case of a trauma or illness! After all
Even simple operation on removal of an appendix with the account
Stay in a hospital in the USA costs about $5 thousand.
May be, that in offered by travel company
To the insurance of the traveller will not arrange a set of services or volume
Responsibility (that is the sum in which limits will be
To be paid unforeseen medical expenses). Then from it
It is possible to refuse and independently to pick up to itself the policy in one them
The known insurance companies - for example, in "ICE CRUST",
The industrially-insurance and Military-insurance companies, National
To insurance Group.
Standards - not on a teeth.
The medical are usually paid for the standard policy
Expenses which can arise at the traveller in a case
Sudden illness or trauma.
It is payment of reception at the doctor, medicines if it is necessary -
Transportations spetstransportom in hospital or home, and also
A food, residing and treatment in medical institution and even a call of the doctor
By phone. Evacuation will be if necessary organised
Children who have remained without supervision as a result of illness of the owner
The policy, and repatriation of a body in case of death of the insured.
Thus by the insurance never become covered alcoholic and
Narcotic poisonings, the damage caused to health in
Result of military actions and national excitements (even if
Has casually got under bombardment).
In all without an exception cases the reference to the doctor abroad
Concerning chronic disease (an ischemia, an osteochondrosis,
Diabetes, urolithic illness etc.) any policy for tourists
Does not pay. But the insurer will always pay removal of a sharp pain,
The called chronic illness, or actions of physicians on rescue
Lives of the insured. It is considered, that the person with chronic
Disease, going to a trip, meaningly risks
To appear on a hospital cot. Nevertheless, if at it
There is an attack, the service company will organise the first
Medical aid and if the status of the patient was stabilised,
Provides its preschedule returning home. If patient not
It was possible to result in a stable status after an attack, it will be
To operate and treat.
The service company will co-ordinate all actions with the insurer, and
Therefore such treatment is spent at the expense of the insurance company.
Choosing the policy, it is useful to pay attention, whether it is paid on
To it the emergency stomatologic help. Stomatology
It is financed far not always and, as a rule, ogranichenno - in
Limits of $100 or $200. This sum usually suffices for removal
Sharp toothache and installation of an inexpensive seal.
The abrupt pays twice.
In general, the insurance sum written down in the policy, in limits
Which the company compensates expenses for emergency treatment for
Any can be a boundary and transportation, - as will wish
The traveller. But it should not be less than $5 thousand, differently
Means for treatment even in the countries with inexpensive medicine (the such
As Bulgaria, Poland, Turkey) can not suffice simply.
As practice shows, an insurance covering at visit in
The Baltic States should make at least $12 thousand,
South East Asia - $30 thousand. For the same sum are obliged
To make out the insurance visitors of the states of the Schengen agreement. Still
More expensive insurance is necessary to visitors of the USA and Canada - $50
Thousand. It is usually enough this money and on the first medical
The help at disease or accident, both on operation, and on
Transportation.
However, to be frightened so considerable sums it is not necessary. After all
To pay under the contract to the traveller it is necessary much less. At
Visiting of Egypt, Turkey, Cyprus cost of the policy with a covering in
The size of $5-10 thousand with a standard set of services makes
$0,5-0,7 for day of stay, countries of Western Europe - $0,7-1,4 in
Day at an insurance covering in $30 thousand.
The insurance for the sum of $50 thousand for the USA or Canada manages in
$1,5-3 in day.
The the trip will long last, the there will be an insurance in more cheaply
Calculation for one day. For constantly migrating people, those who
It is compelled regularly, several times in a year, to go in
zagranpoezdki or official journeys, the insurance companies
"ICE CRUST", PSK and others have developed annual policies for the leaving
Abroad. They operate in territory of all world, behind an exception
Permanent addresses insured (in one policies it
The country, in others - a hundred-kilometre zone round borders occupied
Point). Policies switch on all spectrum of services which use
Owners of the standard insurance for travellers, - from payment
Treatments of unexpected illness to the organisation of emergency evacuation
Home or visit of relatives to the patient. Cost of the such
Policies with volume of a covering from $30 thousand to $100 thousand makes
Only $50-150 in a year.
If on a trip the traveller plans to jump with a parachute,
To dive with an aqualung, to soar on a hang-glider or to go for a drive on the mountain
Skis, risk of a trauma for it incomparably above, than for people,
Conducting a quiet way of life. Therefore and the insurance for fans
Extreme entertainments will cost in 2-3 times more expensively. About the
Intention they should inform the insurer at policy purchase. In
Opposite case the insurance company can give up in payment
Compensation if the trauma is received at driving on the mountain
Skis, parachute jumps, etc.
Under the Hamburg bill.
In most cases insurance of health for tourists, to
To happiness, mere formality. However happens, that during time
Rest or business trip to services of doctors to resort all the same
It is necessary. What in that case to do?
Let's notice, that the insurance company writing out the policy renders
The services listed in him not independently, and with the help
Special international or national service services (so
The named companies assistansa). They completely will organise
Health service of tourists in the concrete country, direct them on
Emergency treatment, monetary calculations between physicians carry out and
The insurance company.
Telephone number of dispatching service service is specified in
Each policy. The dispatcher will inform, in what medical institution or
To what doctor it is necessary to go behind the help, or will call
"First aid". If you under own initiative begin to search
The doctor, most likely, it is necessary to pay its services from
Own pocket. The service service can recommend
To address to the doctor in hotel - then to pay off with the doctor
Cash it is not necessary. Financial calculations will be spent by the service
The centre at the expense of the insurer.
Actually some policies suppose payment
Medical services directly insured with the subsequent
Indemnification of expenses in Russia. But only at presence it is correct
The issued bills for treatment and a medicine. Wholly to receive
From the insurance company compensation, is necessary, being abroad,
To receive at the attending physician of an abacus. It is filled on the special
The form with requisites of the doctor, number of its licence, the personal press
And the signature. In him are necessarily specified date of the reference to the doctor,
Name, date of birth, the country of constant residing of the patient. Except
That, the bill should contain the diagnosis, the list of all executed
The doctor of procedures with instructions of cost of each of them. Separate
In the line the document joins the given out medicines. If preparations
Were got in a drugstore, it is necessary to save originals of recipes of the doctor
And chemist's checks with names and the prices of each medicine in
Separateness. Only in the presence of all these documents the insurance
The company will pay contingencies for treatment abroad.
Local narcosis.
Recently even more often people address for the insurance not
Only for trips abroad, but also going to travel on
Territories of Russia.
Cost of insurance of medical expenses at trips on
To our country much more low, than in a case zagranpoezdki. On the average
It manages in $0,3-0,6 in day. However and in Russia there are kinds
Rest which demand very expensive insurance. For example,
The insurance for the traveller going by the helicopter
To fish on mountain lake, will manage in $10 for a day.
Certainly, under the policy of obligatory medical insurance
(OMS) to the citizen of Russia should render the emergency medical
The help both in capital, and in Uryupinsk. However quality of service,
And presence of bandage and the elementary medicines in the provincial is simple
To clinic anybody to guarantee today not undertakes. At times
To the injured traveller at all has no sense to be treated in
Region, and it is better to come back home, where at it, probably, is available
The policy of voluntary medical insurance on service in
The best clinics.
Therefore many insurers offer driving about on Russia
To citizens the policies which are switching on only the organisation of the emergency
Returnings from a trip and knocking over of a sharp pain. Such insurance
Costs only $0,1-0,15 in day.
Rules nevyezda.
As carefully prepare for a trip as try
To provide all unexpectedness, all the same sometimes it is necessary
To postpone or at all to cancel departure. On the eve of a trip has risen
Temperature at the child, has broken through a pipe in apartment, have subpoenaed.
Worst of all in this situation it is necessary those who goes for
Boundary. Under contracts with travel companies refusal of a trip for
Two weeks means loss of half of money given for the tour.
If you change the decision less than for 5 days, money will be gone
Practically completely.
Meanwhile the insurance companies have thought up several years ago
Also have offered travellers policies on an impossibility case
To make the planned trip. Recently this product
Began to use in Russia the raised demand - partly thanking
To actions of employees of embassies of the western countries in Moscow, which
Refuse in issue of visas during the latest moment (a fresh example -
The action of embassy of the Belgium which have suspended on two weeks
Delivery of exit visas to the Russian citizens). As a result on
Today about every twentieth the inhabitant of Russia,
Driving off abroad, it is insured on a case nevyezda. And it
Despite relative dearness of such insurance. The price
The policy "not eligible to travel abroad" makes 4-8 % of cost of round.
The policy on an impossibility case to make a trip it is made out not
Less than 15-20 days prior to departure. If voyage breaks on
Valid from the point of view of insurers to the reason, not taken place
To the traveller compensate round cost, avia-or
Railway tickets and even consular gathering for the visa.
As good reasons at the insurance companies are considered death or
Hospitalisation insured or its near relations (to
It children, parents, the spouse or the spouse), participation concern in
Proceeding during a trip, the summons in a military registration and enlistment office,
Fire in the house, and also refusal in entry visa delivery.
Protect things!
The policy on an impossibility case to make a trip - not
Unique product to which the insurance companies advise
To supplement the medical insurance. Besides illnesses, the person,
Going abroad, can wait and other troubles,
Capable fairly to spoil mood on all holiday. For example,
Luggage loss on a way to vacation spot or personal things in the country
Stay.
Airlines-carriers only partially compensate loss
Luggage. It is considered, that handed over in a luggage space of the plane of a thing
Are insured. If they are gone or will be lost, airline
Will pay to the passenger indemnification from calculation of $20 for weight kg
Luggage (such is the general practice of air carriers), that sometimes
It is much less than cost of things which fly with you to a place
Rest. And the things stolen in hotel, most likely, will not pay
Anybody.
Therefore the insurance companies offer travelling on Russia
And to the world insurance of luggage and personal things for the fixed sum
($1000, $2000 or $5000) from theft, loss, damage - on all
Term of a trip or only for the period of flights and moving. In the list
The insured things it is possible to switch on clothes, footwear, furs and even
Jewelry, and here money, documents, manuscripts - are not present. However,
Such insurance is not paid, if things have suffered or
Were gone on a negligence insured - for example, when a bag
Or a cellular telephone have been thrown on a beach without supervision.
If things have been stolen from the car or locked
Hotel room, it is necessary to inform on it in police or
Hotel administration.
To the victim should give out the police report or the inquiry
From hotel. They will serve as documentary acknowledgement of loss
And the basis for payment of insurance compensation. If things have disappeared
During moving, the insurance will be paid after a presentation
The client of the inquiry from service of search of luggage of the airport.
It is necessary to pay for the policy of assurance of luggage and personal things
From calculation $0,4-2 in day depending on the insurance sum.
Thus, perhaps, the only thing from what while it is impossible
To be insured for the period of holiday - from bad weather on a resort.
But, probably, and it becomes fast possible - at least, on
The West such kind of the insurance already is. However, even there the similar
The insurance do not give for all life. And it is a pity.
Insurance leaving abroad became business ordinary. And here
Whether are ready to offer the companies the products to the people travelling
Across Russia and the near abroad countries?
Nikolay Nikolenko, the vice-president Industrially-insurance
The companies (PSK):
"Still three years ago only units of travellers across Russia and
To the near abroad countries concluded dogovory insurance. Now
Such people of thousand. Besides, to us address "kruiznye"
Travel agencies, agencies, organizujushchie one-and
Two-day trips, groups of hunters and fishers. Has increased
Number of the commercial organisations expressing desire to insure
The employees for the period of business trips.
Private persons quite often ask to insure now themselves for a while
Trips on territory of Russia, Ukraine, Belarus bus,
Railway, by air. In a word, at the population
There passes belief in "free" medicine, that in any city
To them will help disinterestedly and for nothing.
Policies of the Industrially-insurance company for travelling on
To Russia and the CIS countries switch on all possible risks connected with
Health, luggage, and also on a case of the compelled refusal from
Trips or flight delays. Depending on size of the insurance
Covering which can reach $25 thousand, their cost
Makes $0,3-1,0 in day ".
Evgenie Pavlenko, the deputy director on insurance SOAO
"National Insurance Group":
"SOAO" the National Insurance Group "offers two variants
Insurance of medical and other expenses of citizens at trips on
Territories of the Russian Federation and the CIS countries (except for Baltic). The first variant
The policy switches on only the organisation and payment of the medical
Transportations and repatriations of a body in case of death
The insured. By the second kind of policies besides the specified services
The insurance company pays emergency medical aid and
Expenses on treatment of the insured. Clients of the company can
To get policies with various limits of responsibility
The insurer. Services for the sum of $5 thousand under the first program
Will manage in $0,35 for day of a trip, and on the second - $0,85. At
Increase in responsibility to $30 thousand cost of policies in
Calculation per day will make $0,55 and $1 accordingly.
The national Insurance Group plans to expand a spectrum
Services given on given policies by insurance of luggage and
The help on roads with transport granting - if the car
The client has broken in a way ".
Tamara Yerokhin, the head of department of insurance of tourists
The military-insurance company (VSK):
"That who is intended to make travel or to have a rest in Russia
And the CIS countries, the Military-insurance company offers policies
Insurance of medical and other contingencies of citizens
At trips on territory of these states. Period of validity of the such
The policy of for choice insured can make from 1 to 365
Days. A standard set for travelling on territory of Russia and
The CIS countries switches on the organisation of emergency medical aid
Insured, payment of medical expenses, the organisation and
Payment of medical transportation (including means
Sanitary air transport) and - in case of need -
Body repatriation.
To citizens of Russia VSK offers policies with volume
Responsibility from 50 thousand roubles to $30 thousand. Minimum
Cost of policies makes 5 roubles a day (under such document
Services only medical transportation are rendered and
Body repatriations).
Citizens of the foreign states can conclude the insurance
dogovory for the sum from $1000 to $30 000. Standard policies with
Covering in $30 thousand will manage to foreigners in $0,7 a day ".
Natalia Kucherova, the director of department of insurance of the leaving
Abroad SK "ICE CRUSTS":
Russian three "insurance group" ICE CRUST "gives"policy"
Possibility to receive in case of emergency necessity the full
Complex of free medical aid in any point of Russia,
Ukraine, Belarus, Kazakhstan, Moldova. Besides,
All expenses on medical transportation, visit are defrayed
Near relations to the patient, the stomatologic help,
Repatriation of remains in case of б destruction of the insured. The policy
"Russian three" switches on also insurance on a case of death or
Physical inability receptions, insurance of cancellation of a trip.
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//* an information Source: the Profile, 11.06.01
//* Reg. Nom. - 1110600258.35-------------------------------------------
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