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Types, value and the reasons for refusal to pay insurance.
Travel insurance of tourists in recent years has become one of the most needed services in the preparation of documents for the trip. In most of the uninsured simply can not be issued a visa, preventing the possible unforeseen expenditures of the state to provide services to foreign nationals.
In some countries with visa-free regime can go without insurance, but ultimately that decision may lead to irreparable consequences.
Note: Many tour operators include the design of insurance to the list of services. However, most data suggest insurance, only the most necessary standard of services at minimal cost to the insurance company. In case of need, and at the request of the tourist can arrange special individual insurance, the cost of which will be more expensive.
Note: In any case, advance carefully ask travel agent or insurance company - what services includes insurance, how they will be paid and how to get in touch with the insurance agency.
Important: Always on vacation have an insurance policy on hand. Separately, store and contact details of your insurance company. This will help avoid some problems.
Types of insurance
On hearing the tourists most often only health insurance. However, it should know that there are different types of insurance (including medical), which apply to their specific insurance cases and suggest their own actions in a situation of such cases.
Standard medical insurance
This type of insurance protects the traveler from the expenses caused by unexpected illness. Such insurance shall include, as a rule, the fees for emergency medical assistance and the work of doctors, hospitalization, purchase of necessary medicines, etc.
If necessary, the insurance company pays for the delivery of client's home after discharge from hospital.
Medical insurance may also include insurance against accidents (injuries, wounds, injury, etc.), which implies full compensation to the affected tourist (the insured amount is stipulated in the contract).
The victim in this situation, the tourist will be provided with timely medical care, after which it will, if necessary, sent home.
The cost of health insurance, usually depends on the time of tours, its type, and whether, to what country you're going to go, as there are seasons, types of tourism and the country with an increased risk of insurance claims.
Important: To obtain a visa in some countries requires a mandatory minimum amount of health insurance, you need to specify in advance. Typically, it ranges from 10 to 50 thousand euros.
Note: Health insurance is not paid in the following cases:
If the traveler went on vacation for the purpose of treatment, but did not specify it in the insurance contract
If the insured event has occurred due to radiation exposure
If insurance costs are associated with diseases already available to tourists for at least six months before the trip
If the insurance costs associated with the treatment of chronic diseases
If the insurance costs associated with mental illness, the results of congenital abnormalities, sexually transmitted diseases, AIDS, etc.
If the insurance costs associated with any kind of prosthesis, including dental
If treatment is carried out by relatives tourist abroad, even if they have a licensed physician
If insurance premiums caused by the operations of plastic or cosmetic surgery (unless it is caused by the result of injury)
Important: Do not perform medical interventions and procedures, not notifying your insurance company. Carefully keep all receipts paid by your health care.
Important: Do not engage in self-treatment. It threatens you refuse to pay the insurance.
Liability insurance
At present, a relatively rare type of insurance, providing assistance to the tourist, if he will be involved in litigation in a foreign country and the court will bear civil liability.
If you hurt someone else's property or health unintentionally, the insurance company will assume all costs.
If the offense is committed in a state of alcohol or drugs, the insurance does not apply.
Important: Prior to the representative of the insurance companies do not sign with the local authorities any documents, particularly the admission of guilt. This can greatly worsen your situation.
Luggage Insurance
This insurance provides indemnity for tourists in case of loss or damage to luggage during the trip. If baggage is lost through your fault, you will not get insurance.
The amount of compensation shall be appointed of the contract. The contract can be concluded for the whole trip, and only a trip to a place of rest. Significant role in the amount of insurance plays a form of transport.
Important: Some insurance companies will not agree on too large amounts of insurance. What's more - there are some things in your luggage (money, jewelry, antiques, etc.) the insurance may not cover, so it is better to take with you on the plane.
Insured event must be documented record of the carrier.
Insurance cancellation of the tour
This insurance provides for the immediate cancellation of the tour due to various circumstances.
Important: This insurance is not less than two weeks before the scheduled departure date.
Note: Refusal to issue a visa for tourist insurance accident insurance for this is not.
Insurance on his own recognizance
This insurance includes payment of the sum insured tourist, if he could not go on the trip because of the refusal of a visa or other force majeure circumstances (injury, sudden illness, death of family members and tourists, etc.) does not depend on the will of the insured .
Important: Please note that this type of insurance is the most expensive. The amount of this insurance can be as high as 10% of the cost of the tour, depending on which insurance claims are provided.
Important: This insurance does not pay the tourist, if he has previously denied a visa, and if the tourist has chronic illness, came under investigation and so on, that is, if in the opinion of the insurance agency, the case does not apply to the force majeure.
"Green Card" for motorists
This insurance is a kind of an international version of the CTP. It is vital when traveling abroad on their own car.
Note: Get this insurance can be directly on the border, but it's better to do it in the office of the insurance company. So it will be much cheaper.
The cost of this insurance depends on age and driving experience driver, the type and tehsostoyaniya car, as well as on the duration of the trip.
When accidents do not even need to call the insurance company, clearly enough to fix the crash in local law enforcement agencies. The culprit of the accident makes "green card" and gives it to the second segment of the victim. After returning home, you must immediately declare the accident.
Failure to pay insurance
It should be borne in mind that in addition to a number of other medical aspects of cases and does not provide insurance benefits:
Violation of tourist insurance rules
Exceeding the maximum amount of insurance as a result of damage suffered
Unmotivated refusal to carry out the instructions traveler insurance company in the insurance situation
If the insured event occurred because the tourists took part in the riots, hostilities, etc.
If the insured event has occurred because of the deliberate commission of unlawful acts of the tourist
If the traveler requires compensation for moral damages
If the insured event resulting alcohol or drug intoxication tourist.