The pace of life of modern people suggestspermanent movement not only through the territory of their country, but also travel to other states. And regardless of the place of stay with a person, unpleasant events can occur that are related to a violation of health status, loss of baggage, an emergency situation. Such events on the territory of their state are very often suffered by a person experiencing alone or with the help of friends. However, far from their native places, an insurance policy will come to his aid.
When traveling outside the country, each and every touristto arrange insurance for traveling abroad. Such requirements are due to the fact that in recent years the number of travelers has increased very much, and as a result, there are more people who urgently needed medical care. Previously, such issues were dealt with on the territory of other countries, representations and consulates of our state. Now the presence of honey. insurance for traveling abroad is compulsory if a person temporarily leaves the borders of his state.
Most European countries require a contractmedical insurance for an insured amount of at least thirty thousand euros. The insurance policy covers expenses that will be incurred by the insured person or the insured as a result of the need to receive qualified medical assistance. Medical insurance for traveling abroad guarantees the traveler the help of specialized doctors, if an accident occurs, a chronic illness will worsen. When drawing up the documents from the insurance company, you can additionally extend the action of the document in case of cancellation of the trip, loss of things, other additional expenses related to extraordinary events.
Making out insurance for traveling abroad,the insurer provides the client with information about the company that is responsible for the organization of work with medical institutions. Assistance - the so-called firms whose employees accompany the client of the insurance company in the event of an insured event. In the telephone mode, the employee listens to the problem, answers the questions that arise, directs them to a qualified specialist who is near the client's location, organizes the delivery to a medical institution and advises on all other situations.
Making insurance for traveling abroadcarry out insurance organizations that have a valid license for such an insurance product. There are situations when an insurance contract is issued together with a tourist permit. The insured should check whether this insurance company has the right to formalize such contracts in order to secure itself away from the motherland from unscrupulous insurers.
In the case of an insurance policyit is necessary to be engaged independently, it is necessary to find out all nuances of this kind of insurance at the worker of the insurance organization. It is necessary to pay attention to the contract, which gives an expanded list of insurance protection. At the conclusion of the contract it will be correct to specify truthful information about the type of rest, so that the insurance company does not have a desire to refuse compensation for the expenses incurred.
For registration of the contract it is necessary to have with youonly a foreign passport and cash. If there is no desire to get to the office of the insurance company, Sberbank's insurance for going abroad, designed in an electronic version, will save time and nerves.
The amount of insurance payments that will beit is necessary to transfer to the bank account of the insurance company, depends on many factors. First of all, the country where the insurance company's client is traveling and the amount of the insurance sum affects the price of insurance for traveling abroad. So, for travel through the Schengen countries, the minimum liability of the insurer is thirty thousand euros. At the same time, if a compatriot goes to the United States or Canada, then according to the agreement, the smallest amount of the insured amount under the contract is indicated in the amount of fifty thousand dollars.
The next item that affects the sizeinsurance premium, this is the number of days of insurance. After all, the contract can be issued for a few days, and for a whole year of insurance protection. The number of tourists, if this group trip, also affects the final cost of insurance for traveling abroad.
When drawing up a policy, you should pay attention toon the size of the deductible. It is clear that the higher its size, the cheaper insurance becomes. However, this is the factor that should not be saved. Choosing a franchise for one hundred two hundred euros, you can reduce the insurance payment by two to three euros. However, with an insurance event, as a rule, acute dental or ear pain, the amount of treatment costs is within two hundred euros.
The age of the insured person or the insured person also affects the final size of the insurance premium. After all, the older the person, the more likely that an insurance event can occur.
The standard contract includes the following items of the insurer's liability within the insured amount for the costs incurred in respect of such items:
When making insurance for traveling abroadinsurers offer not only health insurance, but also additional options of liability. Accident insurance can be added to medicine, this will allow not only to cover classical expenses, but also to receive financial assistance from the insurance company to restore health.
There are cases when on arrival in anotherthe traveler's state expects trouble with luggage: it can be lost or damaged. In this case, there is a separate item in the insurance contract, and if it is also noted, the frustration of the trip will be reduced by the possible amount of compensation for losses.
The insured, having addressed in the insurance company, also can issue an insurance policy in case the long-awaited trip will not take place for a number of reasons, namely:
In the cases listed, the insurance company compensates for the costs of purchasing tickets, paying for hotel rooms, and other related expenses.
It should be noted that when drawing up insurance fordeparture abroad, you must fill in, if any, special notes. Thus, foreign citizens are obliged to report that they are non-residents. In such cases, the insurance payment is calculated by another program.
If the insurance document is issued for a pregnant womanwoman, this feature should also be noted in the contract. This is due to the fact that during a period of stay in the territory of another state, a woman may begin premature birth or other complications. Having such an option, the client of the insurance company can not worry about the money side of the matter.
When preparing documents for departure to anothercountry to work or participate in sports competitions it is necessary to warn the insurer about this. Naturally, this will affect the final cost of the policy, but it will save the insured's budget in case of an insurance event. If you knowingly do not report this, the insurance organization has every right to refuse to insure the insured in compensating the money spent on treatment and restoring health.
Going on a trip on the transportmeans, it is necessary to think about the insurance contract and for the machine. Buying auto insurance for traveling abroad, check the points of the insurance contract, which specifies the liability of the insurer. There are cases when the insurance company does not compensate the cost of property damage if an accident or car theft occurred in the territory of another state. In addition to the insurance of the car itself, when crossing the border, the traveler must have a contract of compulsory civil liability insurance "Green Card". Without such a policy, the driver will not be able to enter the territory of another country.
Going on a trip, you should not saveon additional options. After all, it is these special attachments to the main contract that make you feel at home in any part of the world - calmly and confidently.
