The avaricious pays twice if tries to save on insurance.
The avaricious pays twice if tries to save on insurance.
The insurance companies cover sphere of the tourist more and more
Business, offering a wide spectrum of services for the people going
In summer holidays.
Everything, beginning from fear ovanija is offered to a life and finishing
Responsibility insurance turis ticheskih the companies. However in
The most insurance business similar services while occupy far not
In the lead positions. It speaks as shortage
Corresponding information at tourists, and huge risks
Insurers. Nevertheless with improvement of well-being of citizens
Demand for tourist insurance will quickly grow.
Productive leisure, besides positive emotions and bright
Impressions, it is closely interfaced to the raised danger of reception of traumas,
Illnesses. Especially sharp this problem becomes, if your rest
Proceeds abroad. Remove it the voluntary can only
Medical insurance of tourists. In the West insurance of tourists
For a long time already became necessary, it do not stint
Having a rest, travel agencies. In Russia the given service
It is developed there is not enough, though the Russian legislation obliges
Travel agencies to insure driving off. It is necessary to specify,
What is the insurance going abroad today
Carries more likely a binding character. In the majority of the countries of the distant
Abroad presence of the policy of medical insurance is one
From obligatory conditions otkryti I visas. An exception make
The countries with the simplified system of entrance, such as Cyprus, Turkey,
The United Arab Emirates. However in them the majority of Russians also has a rest. Before
In total it is connected with low well-being of the Russian citizens.
Trying to reduce the price of rest, they first of all save on
To the insurance. However it is too frequent in the given cases works
The rule "the avaricious pays twice". In need of the emergency
Medical aid foreign clinics simply do not become it
To render in the absence of an insurance policy. There is a choice: or
To pay for it from the pocket, or to count on a miracle.
Insurers not so willingly render similar services
Because of the big risks. So, the employee of the Samara branch
Insurance group "Alpha insurance" recognised, that insurance
Cases on medical insurance of tourists come enough
More often, and payments on them can reach 70 % from the collected award.
To clients, including to tour agencies to choose the "" insurer
And to designate insurance cases difficult enough. As a rule, it
Four standard insurance programs (DMS, life insurance,
Luggage, various risks). Has added to insurers of job recently
The come into force law on licensing of separate kinds
Activity on which travel agencies are obliged
To insure own responsibility. Actual becomes and
Insurance from nevyezda on which the claims connected with are insured
Impossibility not because of the tourist to make zaplanirovanoe
Travel. However insurers do not hurry yet to leave on this
The market. According to the deputy director on insurance of the Samara
Branch of the insurance company "Spassky gate" of Olga Aleksejchuk,
Its company simply is not engaged in this kind of insurance because of
Huge risks.
Considering degree of development of our business of rest and
Entertainments, a transport network, the hotels, similar job
It will appear to itself at a loss. Under its data, in Samara are engaged
Insurance from nevyezda only two companies.
Insurance policy presence at a foreign trip gives two
The advantage cores. First of all, with it it is possible without special
Problems to drive on territory of the chosen state and it is free
To move on neighbouring countries. In consular department of any
Embassies at registration of the visa will necessarily demand the policy. At
It an important role plays, in which company you it
Have received. As a rule, in the list "authorised" by embassy
The companies the leading insurers who have gained trust enter
Foreigners. Among them - "ROSNO", "RESO-GUARANTEE", "ZHASO", SG
"Spassky gate", "the Military-insurance company", "AFES", SG
"Alpha insurance", that is the largest federal insurance
The companies. Names of regional insurers in this list
Meet seldom.
The second positive moment is connected with that fact, that the tourist
Receives thanks to the policy certain degree of protection and can
To be assured, that in case of emergency to it it will be rendered
Necessary medical aid.
Before departure it is abroad important not only the fact of acquisition
The policy. It is necessary to find out also, which protection and from what
Particularly cases he guarantees. At occurrence of the insurance
Case (disease or a trauma) for the victim it is necessary
The out-patient or stationary help, transportation to
The medical centre, purchase of medicines. It is necessary, that all it
It has been stipulated. As a rule, the insurance extends on
Emergency medical aid. Therefore any planned treatment
It is necessary to pay from the personal budget.
At approach of an insurance case there is a question who will be
To watch performance of all conditions of the insurance. Usually employees
The companies do not leave to the client abroad though it is possible
And such variant. For the decision of similar problems it is abroad developed
Network of the specialised service companies (assistance). With them
Domestic insurers conclude dogovory on service.
Interests of clients of the Samara insurers abroad
Represent service services "Tim-Assistans", CORIS Int,
International SOS and AEA Company, "RusAssist" (the Russian
Division French Europп Assistance). They are responsible
"Technical" part of job, in particular, for a call of the doctor, selection
Clinics, settlement of financial questions between the medical
Establishment and the company, transportation of the patient land,
Sea or air transport.
Practice of job of the insurance companies provides two
Variant of payment of compensation. It is possible to pay medical services
Independently, and after returning to Russia to receive compensation
Expenses in the insurance company. The second variant - non-cash
Calculations directly between the service company and physicians.
Basically the insurance companies offer policies for the sums from 10
Thousand to 100 thousand dollars. Insurance for the smaller sums can
Not to defray real expenses on treatment, and the big sizes simply
Are senseless. Tariffs of insurance leaving abroad directly
Depend on risks covered with the policy and contract period of validity.
The insurance can manage to its owner from 27 cents to 1,5 dollars
A day. Here the system of privileges and discounts is widely applied. At
Increase in term of insurance there is a decrease in the base
The daily tariff.
Reduced rates usually start to operate after
Seven-fifteen days of stay abroad, and the discount can
To reach 30 %. Except discounts there are also various extra charges,
Established in case of insurance of older persons,
Prospective professional and amateur playing sports.
Except the risks connected with health, exists still mnozhest
In other quite probable risks, such as uterja documents and
Luggage, and also its damage to a course of transportation,
Impossibility to make the planned foreign trip on
To the various reasons. These risks usually join in policies
Medical insurance leaving abroad in quality
Additional services.
Last widespread group of the risks arising in a course
Foreign trips, it is connected with tresspass possibility
Lives, to health or property of the third parties (insurance grazh
danskoj responsibility). Especially it is actual at
Travel by the car. It is for this purpose applied
So-called "the green
Map "(green card). The Russian companies cannot give out
To citizens the "green maps" that Russia in this
System does not enter, but can quite give out policies of the foreign
Insurers that is authorised the Russian law on insurance.
Novel AVRUSIN.
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//* an information Source: the Samara review, 15.04.02
//* Reg. Nom. - 1120400040.65-------------------------------------------
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