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In Russia, until the insurance is in its early formation, and therefore the question of what insurance is and why it is needed, the majority of our citizens to give an exhaustive answer probably will not. While abroad, especially in highly developed countries, where a variety of types of insurance are an integral part of everyday life, it can easily answer any student or housewife. Why not? It's not just the fact that in many countries, insurance is optional, with no insurance or do not sit behind the wheel, or a job not satisfied. More importantly, people here have long been accustomed to the fact that if anything ever have to pay, and pay such amounts, which are sometimes not "pull" the budget of even the most wealthy citizens. And one of the most wasteful spending categories can be treated every injury and illness, because medicine is always worth a lot of money (by the way, Russia in the sphere of prices in this area today is far from being in last place in the world). Treatment-related serious injury diving particularly costly because it requires the application of hyperbaric chambers, and this toy is very expensive, and free to work anywhere else will not. For example, in Egypt, her hour of work costs about $ 750, the Maldives - 2500, and in the more developed countries - and even more. If even mild forms of diving illnesses require several hours in a pressure chamber, the medium and heavy and may require several days, so that treatment can result in a pressure chamber in a very tidy sum, representing tens of thousands of dollars, and to hope that with your then- caution, you never, never, and did not happen, at least lightly. In some countries, excessive frivolity treat the fact that no special insurance is not even allowed to approach the water. In the other about the insurance does not even ask, and in which case you will be treated until cured, but when you will approach the hospital accountant and politely asks, "Sir, as you will pay here on this little account?" Counting zeros have waiting for a heart attack if not, then at least the severe nervous shock - it will have to pay the expense of the here and now, as long as payment is not made out of the country you will not be released ...
So the savings on a special diving insurance, which should minimize the cost of treatment can cost you too much - not only in foreign countries, but also in the former CIS. And the question that the diver insurance is needed, call the question should not. But insurance is different, and the choice of insurance company and type of insurance policy should pay special attention.
Many Russians are in a very sincere delusion that if they gave the money for insurance, that would be with them no matter what, at any time and anywhere in the world, they immediately run to the good uncle insurer organizes all " on the excellent "and fully pay for treatment ... And all this - for those penny that you pay for your insurance policy. But the insurance business - it is a business like any other, and businessmen do not like to spend the extra money. In real life, the rescue of drowning - the handiwork of drowning. Therefore, you should know and clearly prescribed in the contract responsibilities of your insurer, and all actions that have to do to get yourself listed in the contract services. In many situations, you have to prove that your case is insured, and you must compensate for the expenses incurred by you. As we know, ignorance of the law is no excuse, and if you break the rules prescribed by the insurance company, or simply do not know how to act in a particular situation, the insurance company will have the full right just do not pay you.
There are many "gotchas" to consider when buying diving insurance. Remember that when buying insurance, you are entering into a contractual relationship with the insurance company, and all your future relationships will be based solely on the basis of this agreement. So do not be lazy to read carefully the entire text of this overload of special terminology of the document, written, as a rule, have very small print. And if you do something in the text is unclear, feel free to pester your questions to the insurance company: it is better to spend a couple hours in advance at a very boring than to throw up your hands to no avail. After all, the complete lack of interest to the text of a document signed by the results in the fact that many of our citizens are getting from the typical travel company insurance policy, are in a completely sincere delusion about what is absolutely immune from everything. While this insurance policy includes a standard set of medical services and trauma received when doing active leisure activities, are not included.
Some travel companies consider diving activity with increased risk and, as agents of insurance companies, simply write out a policy for divers with a coefficient of 2. But if an accident occurs in water and in the insurance contract does not reflect this situation, you are denied payment for medical services at entirely lawful: in the contract are not spelled out situations that arise when diving under water.