All year round, Russians go somewhere on vacation: they select vouchers that suit all criteria, look for cheaper air tickets, book hotel rooms. But as a rule, only those who need it to apply for a visa are engaged in issuing medical insurance. This approach, of course, is wrong.
Why get he alth insurance for traveling abroad
Entry to some countries requires both a visa and a he alth insurance policy, which will ensure, if necessary, assistance abroad by professional doctors, which, in turn, will help to avoid financial difficulties (sometimes very significant). Please note that you should not confuse an internal (Russian) medical policy with a special one intended for tourists. It should be done in advance. And this is not difficult. If you resort to the services of a tour operator, then there is nothing to worry about - medical insurance fortravel abroad will be provided by the agency.
VHI
There is another way. In particular, in most enterprises there is a voluntary medical insurance, respectively, by contacting an insurance partner company, you can issue an insurance policy with them. It should be noted that there is a high probability that medical insurance for traveling abroad will cost in this case free of charge, moreover, its validity period will be a year, and not the time that you will spend in another country according to the permits. It remains only to call and find out the conditions, including the amount of coverage. The only thing is, if you still contact a travel agency for other issues, you should warn them in advance about insurance and provide them with a completed policy.
Self-issuance of the policy
There is another option - to take out travel insurance on your own. It is simple, cheap and most relevant if you decide all the questions regarding the planned trip yourself. When contacting an insurance company, you will need to provide a foreign passport and indicate the period for which a medical policy is required.
Cost of he alth insurance
In addition, you should clarify the amount of insurance coverage - this is very important for visiting some countries. For example, medical insurance for traveling abroad to the EU countries, Japan, the UK and the USA should have a coverage amount of 30 thousand dollars or euros. In this case, the policy will cost 1-2 dollars or eurosper day and will include the possibility of receiving professional assistance in case of an accident or sudden illness, as well as transportation to the home country, sometimes even dental services. If you plan to engage in extreme sports abroad (alpine skiing, diving, etc.), it is advisable to take out an extended insurance policy. Of course, its price is higher - up to 2.5 US dollars or euros per day, but it will include more possible medical services and even the possibility of evacuation by helicopter (for example, from a ski slope). If you are going to visit any CIS country, then the insurance coverage is sufficient in the amount of 5 thousand US dollars or euros.
A few tips in conclusion
- Do not forget to keep your insurance policy with you throughout the trip, and in the event of an accident, God forbid, immediately contact the insurance company at the numbers indicated in it.
- Just in case, you can make a copy of the policy.
- Pay attention to who provides you with medical care - if independent doctors, then their services may not compensate you.
- Find out the terms and conditions of insurance in detail and carefully.
