Travel insurance

Insurance - an integral part of a series of documents to travel abroad. But what makes the travel plan pays the average tourist attention for anything - aviation, hotel category, sandy beach, but no. This document is only intended as a tribute to tradition. They just before the contractual clauses, which are paid before you go? Well, if not claimed. However, in emergencies, the quality of the solutions and the possible loss of material under the conditions of the policy. StrahovkaEtot health insurance: the payment or other consideration and treatment of certain things related to it (ambulance, visiting relatives, she came home early, etc..) Most countries have a medical policy for the duration of stay is required for all visitors. Travel agents often face the issue formally in the package that contains the minimum coverage. Do you? What amount does not cover the possible risks? For example, in Russia for $ 1,000 you can get the royal treatment, and Turkey (not the most expensive country in terms of medical care) of this amount is sufficient for two days in the hospital. Do you? Decide for yourself ... By the way, do not include insurance claims in general insurance against disease in general. Some companies include an "accident" in the medical policy automatically, while others offer to pay for it separately. Procurement document, you should pay attention to the area of insurance. Often, the standard policy valid in the country of recovery, but not in those countries through which the traveler must pass. In other words, if your trip includes, for example, a bus transfer to Europe with the last stop on the coast of Italy, payment. More attention should be paid to the presence in certain of one thing such as payment of a franchise. This is the amount of insurance will not reimburse you (usually 20 to $ 50). The deductible is the conditional and unconditional. In the first case in which payment of the insurance claim worth more than the amount of deductible expenses in full. In the second case - minus the deductible. In Russia, most travel agencies to develop policies with a deductible, as it affects its value. Waiver policy is more expensive, but in theory can not give money for treatment (within the sum insured). We compare deals on health insurance from several companies. Terms of the following: age 25-65 years - countries-Germany, Turkey, USA, length of stay - 10 days, the sum insured - 15, 30, 50, 000. is (in the countries of the EU and € = 1 in the world -. $ 1). Political guarantees Rosgosstrakh: Medical expenses, medical transportation services, repatriation of mortal remains, to pay a visit to a family emergency, to return home early, the evacuation of the children of the secured payment for dental care emergency, and the opportunity to hire a lawyer, and the return of the expedition to turn a lost luggage, the transmission of urgent messages and help, the loss or theft of documents. "Alfa Insurance" (unconditional insurance with a deductible of 30 E.) the hedging policy: medical transportation, repatriation of mortal remains, medical expenses, emergency dental care, transportation costs (to pay for the evacuation of children once again after a prolonged stay in hospital), and timing of payment communications, transportation costs (temporary or early return visit to a third party in case of emergency, the cost of delay in the plans) to help with lost or stolen documents, legal advice. Ingosstrakh insurance if illness, accident, death of the insured. Sudden illness - a disease that occurs unexpectedly during the term of the insurance contract and requires immediate medical intervention. Accident - a sudden short-term external event, which resulted in injury. ROSNO insured event actually happened, the sudden, unexpected and unwanted, are introduced, injury or death of the insured. Those in as: acute sudden illness, traumatic injury of organs and tissues of an accident, severe toothache that has arisen as a result of an acute inflammation of the teeth and / or surrounding tissue or jaw injury suffered in an accident. An acute illness that occurs suddenly realized that the disease is urgent / emergency medical response required. Understanding the uptake by accident, short-term external event, resulting in a traumatic injury or death. RESO-Guarantee policy guarantees medical care, transport to hospital, transport and circulation (evacuation), the nearest international port country of residence, repatriation of mortal remains. In any case, the decision to evacuate and the choice of transport mode, a doctor of the insurer and the local doctor (returned without the consent of their views to the insurer without disposal costs). Insurance bagazhaDanny type of insurance in a kit with the primary (health) insurance offered separately or as a supplement. Baggage insurance for all companies is about the same - 500-2000. is the price of insurance depends on the host country, schedule and estimated cost of luggage. If this is not an inventory of the things that set a limit - and about 25. E per kilogram. In the case of lost luggage insurance and more to the insured person receives a claim with the company for over 20 years. U per kilogram (documents must provide the airport). Terms and conditions of payment of insurance benefits for most companies is almost similar to: - a total loss, total or partial loss of income is the amount of luggage on the actual prices of items, less the residual value damaged baggage, however, ensures that no more than the amount specified in the contract of insurance - in case of partial damage to luggage to pay repair costs. The insurance company also covers the costs of research articles, review, storage and shipment found to save and to set the property insured. Indirect costs (costs of accommodation, etc) will not be reimbursed. Features baggage insurance, money, jewelry, audio, video and other techniques are an exception to the claim. NevyezdaHotya procedure for issuing permits for entry into some countries in recent years by the Russians in no hurry to make the interference of these movements, or else secure complex (for example, could not have a visa). This service is offered only a few insurance companies. Experts worry that insurance companies are usually those who once were not able to go anywhere. Even the major tour operators to sell an average of two to four months of insurance, indicating the absence of product development. With the purchase of a policy, visitors can protect themselves in case of death in the family, owners of a sudden illness, and other acts of God. One of the reasons for the unpopularity of this type of insurance - the cost. The average price policy is 3% of the total cost of the tour with a maximum of two thousand dollars for a trip to Europe and secured 4 miles, the United States. For example, rates of RESO-guarantee in relation to travel costs and the range of 10 to 150 dollars (the sum insured - 5-5000). Ingosstrakh provides insurance, health insurance, an insurance policy on your own commitment, as an additional service (but not be profitable for the company). The prices here - 3-60 dollars, the sum insured - 200-3500. In addition, most companies provide a grace period of 15% of the sum insured. The characteristic of this type of insurance is that the contract be completed in two to three weeks before departure. Is it to prevent fraud when a customer gets sick, and then fear ... In addition, insurers collect various constraints in implementing these measures. For example, RESO-Guarantee, Ingosstrakh, "Alfa Insurance" and "Rio Grande do Sul capital" does not sell directly to individuals - travel agents who work with them in the contract. Insurance against non-receipt of visas include an insurance policy on his own participation as Ingosstrakh, RESO-Guarantee "Alfa Insurance" and "Rio Grande do Sul-Capital." (Many companies refuse to this point due to lack of statistical information without a visa). TravmatizmaV standard health insurance assets Sports are an exception. And no wonder - because they are more injuries. For these cases, special programs. So "GS Capital" provides citizens who travel abroad to participate in competitions or costs of professional sport or hobby. The costs calculated by the code A (payment of medical expenses, medical transport and repatriation of remains.) With the addition of 25,000 insured price - 1.5 (diving, aviation, automotive, missile simulation) to 7 and (boxing, wrestling, martial arts) per day .. Some companies offer a special program of comprehensive health insurance, in particular, there is a special product for divers ROSNO -. ". ROSNO-Diver" On average, the amount will 15-50000 there since. Host-country cost of insurance from February to June there. In the day. Finally, professional advice, always read the terms of the insurance policy! Tourism and Leisure