The holiday season is in full swing. Rostov went abroad, considering the health insurance as a mere formality, limited minimum cover - 15 thousand dollars. However, in practice, this is not sufficient
The vast majority of tour operators already has cooperation agreements with the insurance companies and the cost of the policy previously laid in the tour package. In this case, standard policy provides, as a rule, only the minimum insurance coverage set by the country. So, for most European countries - is 30,000 euros, and for the same in Turkey and Egypt, where the need for travel insurance is not fixed by law, the recommended amount is 15 thousand dollars. In trivial situations the minimum coverage of 15 thousand dollars is enough. The most common insurance claims - gastroenteritis, ear infections, minor injuries. More than 70% of the cases - the disease of children, whose bodies perform worse with the change of climate, water and so on.
Basic coverage, most insurers provide, above all, emergency medical care, essential drugs, medical evacuation and repatriation in case of death. However, these funds may not be enough to return home seriously ill traveler, dental care, costly diagnosis and treatment. As practice shows, the minimum insurance must be not less than 30 thousand dollars. For smaller amounts of coverage in case of adverse events likely that the victim will have to pay for medical services is high. In some cases, insurers insist on even more surfaces: to travel to the United States, Canada, Australia and New Zealand, where medical services are very expensive. Such as medical consultation can cost up to 1500 dollars, the insurance The recommended amount is 100 thousand dollars.
In this insurance with extended list of risks is not essential to appreciate the policy. Thus, the minimum insurance coverage for Egypt and Turkey, would cost $ 0.5 per day, for the EU - about 1 euro per day. The inclusion of additional options will increase the policy cost by 20-30%. In other words, the rise in the cost of insurance is calculated only tens of rubles. But this difference turns serious advantages. To basic health services added and visit relatives, and early return, and legal assistance, and, if necessary, the proper treatment until they are cured.
In any case, the cost of travel insurance is influenced by a range of factors: the amount of insurance coverage, trip duration, age of the insured, type of holiday, the situation in the country, the price tura.Kastati on these points is expanded all your future holidays to see what nuances to reflect insurance.
The insurance amount is compared with the level of prices for medical services in the host country. Understandably, for Turkey and 30 thousand dollars will suffice, but for 100,000 U.S. dollars - at least. It is important that all the days of your holiday are included in the policy, including the day of departure and the day of arrival. If a tourist is more than 65 - in the policy must be provided to the items that will cover treatment of exerbations of chronic or sudden ill health and surgery. If rest is associated with an active sport (skiing, scuba diving, camels, water parks, and so on) - is required to consider when applying for insurance. Otherwise, a broken arm in the water slide will not be considered an accident. Risk of tsunamis, earthquakes, volcanic eruptions, revolutions and so on should also be reflected in the document. And the cost of the tour will help you estimate how much your insurance will cost. Usually a medical policy from 2% to 6% of the tour price, plus 20-30% for advanced options.
As for the use of the policy, the main mistake that the majority of Russian tourists, the so-called violation of the "rules of the first call." When a tourist does not go to the service company immediately, and initially causes a local doctor. As a result, the insurer has the right to withhold payment of treatment because not all insurers are allowed to treat yourself to a doctor or negotiated maximum amount of the bill for the consultation of doctor.
The vast majority of tour operators already has cooperation agreements with the insurance companies and the cost of the policy previously laid in the tour package. In this case, standard policy provides, as a rule, only the minimum insurance coverage set by the country. So, for most European countries - is 30,000 euros, and for the same in Turkey and Egypt, where the need for travel insurance is not fixed by law, the recommended amount is 15 thousand dollars. In trivial situations the minimum coverage of 15 thousand dollars is enough. The most common insurance claims - gastroenteritis, ear infections, minor injuries. More than 70% of the cases - the disease of children, whose bodies perform worse with the change of climate, water and so on.
Basic coverage, most insurers provide, above all, emergency medical care, essential drugs, medical evacuation and repatriation in case of death. However, these funds may not be enough to return home seriously ill traveler, dental care, costly diagnosis and treatment. As practice shows, the minimum insurance must be not less than 30 thousand dollars. For smaller amounts of coverage in case of adverse events likely that the victim will have to pay for medical services is high. In some cases, insurers insist on even more surfaces: to travel to the United States, Canada, Australia and New Zealand, where medical services are very expensive. Such as medical consultation can cost up to 1500 dollars, the insurance The recommended amount is 100 thousand dollars.
In this insurance with extended list of risks is not essential to appreciate the policy. Thus, the minimum insurance coverage for Egypt and Turkey, would cost $ 0.5 per day, for the EU - about 1 euro per day. The inclusion of additional options will increase the policy cost by 20-30%. In other words, the rise in the cost of insurance is calculated only tens of rubles. But this difference turns serious advantages. To basic health services added and visit relatives, and early return, and legal assistance, and, if necessary, the proper treatment until they are cured.
In any case, the cost of travel insurance is influenced by a range of factors: the amount of insurance coverage, trip duration, age of the insured, type of holiday, the situation in the country, the price tura.Kastati on these points is expanded all your future holidays to see what nuances to reflect insurance.
The insurance amount is compared with the level of prices for medical services in the host country. Understandably, for Turkey and 30 thousand dollars will suffice, but for 100,000 U.S. dollars - at least. It is important that all the days of your holiday are included in the policy, including the day of departure and the day of arrival. If a tourist is more than 65 - in the policy must be provided to the items that will cover treatment of exerbations of chronic or sudden ill health and surgery. If rest is associated with an active sport (skiing, scuba diving, camels, water parks, and so on) - is required to consider when applying for insurance. Otherwise, a broken arm in the water slide will not be considered an accident. Risk of tsunamis, earthquakes, volcanic eruptions, revolutions and so on should also be reflected in the document. And the cost of the tour will help you estimate how much your insurance will cost. Usually a medical policy from 2% to 6% of the tour price, plus 20-30% for advanced options.
As for the use of the policy, the main mistake that the majority of Russian tourists, the so-called violation of the "rules of the first call." When a tourist does not go to the service company immediately, and initially causes a local doctor. As a result, the insurer has the right to withhold payment of treatment because not all insurers are allowed to treat yourself to a doctor or negotiated maximum amount of the bill for the consultation of doctor.
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