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Insure or not insure

For Russian citizens, travel insurancethe border is a voluntary matter. In any case, there is no law obliging to insure one's health when traveling abroad. However, in practice, it turns out that insurance is often necessary, as the host requires it. For example, you can get a Schengen visa only if you have a policy of voluntary medical insurance for the duration of your stay in the European Union.

In cases with visa-free countries, for example,Turkey, there is always a possibility that you will want to check the availability of insurance at the border guard. And if you do not have it, then you have the right to refuse entry. And, of course, first of all you need insurance. It is better to validate it in order to successfully overcome all border procedures and in an emergency you were not provided with the will of the case, at the risk of being left without medical assistance. And, in the end, the policy of going abroad, like any other insurance policy, is an opportunity to manage risks.

What's Included

The first rule of insurance,that you yourself insure your health and loved ones. Therefore, it's up to you to decide which insurance coverage to choose. Take the "standard" or "minimal" option, without even having studied what it includes, will be the first step to trouble. You pay money for the service and should clearly understand what you are being offered in return. The principle of any insurance is a compensation to the client of losses, and the smaller the amount of insurance, so, accordingly, less money for your treatment will be compensated.

You can always choose insurance more expensively,carefully studying the benefits and relating them to their needs. When choosing insurance, keep in mind that the insurance coverage for which you pay, can be divided by types of medical services. Having studied the rules of the insurer, you will know exactly what you can expect from it, and insure yourself against unpleasant surprises.

Different policies

Separately, study that the insurance will beinsurance event, and what not. Any injury associated with a sports equipment, such as a volleyball or soccer ball, racket, etc., is beyond the coverage of your insurance. However, some companies offer extended insurance, where you can add active rest. Anyway, but on the domestic market of insurance companies you can always find the option that will suit you personally.

Do I Need a Franchise?

In health insurance of tourists sometimesapply a franchise. That is, this is the amount you pay for the treatment yourself. All other expenses are compensated by the insurance company. A franchise is one of the ways an insurance company can reduce its own expenses for outpatient treatment. However, it is worth considering that the cost of the policy in this case will be much lower. So, when choosing insurance coverage, carefully study this point.

Algorithm of actions

The first thing to do if the medicalyou need help abroad, - call the phone number specified in your insurance policy. If you contact a doctor on your own without having made a call to an insurance company, she can subsequently refuse to pay your expenses.