All year round, Russians go somewhere on vacation: they select tours that suit all criteria, look for cheaper flights, book hotel rooms. But as a rule, only those who need it to apply for a visa are involved in obtaining health insurance. This approach, of course, is wrong.
Why do you need medical insurance for traveling abroad?
According to the conditions of entry to some countries, both a visa and a medical insurance policy are required, which will ensure, if necessary, the provision of professional medical assistance abroad, which, in turn, will help to avoid financial difficulties (sometimes very significant). Please note that you should not confuse the internal (Russian) medical policy with a special one intended for tourists. It should be drawn up in advance. And it does not make any difficulties. If you resort to the services of a tour operator, then there is nothing to worry about - medical insurance for traveling abroad will be provided by the agency.
VHI
There is another way. In particular, in most enterprises there is VHI; accordingly, by contacting a companion insurance company, you can draw up an insurance policy with them. It should be noted the high probability that medical insurance for traveling abroad will cost in this case free of charge, in addition, its validity period will be a year, and not the time that you spend in another country according to the vouchers. It remains only to call and find out the conditions, including the amount of coverage. The only thing is that if you still contact the travel agency for other issues, you should warn them in advance about insurance and provide them with a policy.
Self-registration of the policy
There is another option - to self-insure travel abroad. It is simple, cheap and most relevant if you decide all the questions regarding your planned trip yourself. When contacting an insurance company, you will need to provide a passport and inform the period for which a medical policy is required.
Health Insurance Cost
In addition, the amount of insurance coverage should be clarified - this is very important for visiting some countries. For example, medical
insurance for traveling abroad to
EU countries, Japan, the UK and the United States must have a coverage amount of 30 thousand dollars or euros. In this case, the policy will cost 1-2 dollars or euros per day and will include the possibility of obtaining professional assistance in case of an accident or sudden illness, as well as transportation to your home country, sometimes even a dentist. If you plan to go in for extreme sports abroad (skiing, diving, etc.), it is advisable to get 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 care services and even the possibility of helicopter evacuation (for example, from a ski slope). If you are going to visit some CIS country, then insurance coverage is sufficient in the amount of 5 thousand US dollars or euros.
In conclusion, some tips
- Do not forget to keep your insurance policy with you throughout the trip, and when an accident occurs, 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, their services may not compensate you.
- Learn in detail and carefully the terms of insurance.