Travel insurance - a guarantee of a relaxing holiday
When planning a vacation abroad, many people wonder whether it is worth taking out travel insurance. When preparing for a vacation in overseas countries, the last thing you want to think about is the troubles that can happen while away from home. However, the likelihood of such accidents is very high, so insurance is an important step towards a safe and enjoyable vacation. We asked a representative of the Hotline.Finance service about which insurance package is best to purchase and how to use it as competently as possible.
- What is travel insurance for?
“ Anything can happen during rest. Difficult acclimatization, viral infection, trauma - these are situations that require medical attention, and as we know, treatment abroad is much more expensive than in the CIS countries. Making an insurance policy will help a tourist to secure their vacation and avoid unnecessary waste. In the event of illness or accident, the insurance agency pays the costs of treatment.
- Is it a prerequisite for insurance for every tourist?
- The client has the right to decide for himself whether he needs a policy or not. It is important to take into account the fact that for traveling to countries with a visa regime (for example, to the United States of America, Australia and Canada), insurance will definitely be needed, since it is included in the list of documents required for obtaining a visa. In European countries, a visa-free regime is valid for Ukrainians, however, the presence of a medical policy can be checked by customs officers at the border. The purpose of such a check, as a rule, is to find out whether the tourist has enough funds to stay in the territory of the European Union.
- What services can a client who has taken out basic insurance expect?
- The basic insurance package is the cheapest and is ideal for those who plan to visit cultural monuments, get acquainted with national culinary masterpieces and take photographs of local attractions during the trip. Having issued such a policy, the tourist, in the event of unforeseen circumstances, has every right to:
- receiving emergency medical care;
- treatment in a hospital or outpatient clinic;
- dental care with a sharp toothache and the need for surgery;
- full payment for transportation to the medical center;
- obstetric services up to the twenty-eighth week of pregnancy;
- provision of medicines.
The policy even takes into account such a tragic scenario as a lethal outcome. In the event of the client's death, the costs of repatriation of the body will be paid by the insurance agency.
- In what situations may you need extended coverage?
- If a tourist's plans include engaging in extreme sports, for example, snowboarding, surfing or scuba diving, purchasing a policy with a large limit of insurance coverage definitely makes sense. Those who plan to travel to countries with expensive medicine should think about obtaining extended insurance. Do not forget that in Switzerland, Japan, China, Thailand and the United States of America, the cost of a medical consultation often reaches one and a half thousand dollars. In order to save money, it is much more profitable to pay for insurance once, since the treatment of injuries in these countries will cost several times more than the cost of the insurance package.
- Is it worth taking out health insurance for a child?
- Most of the insurance situations happen precisely with children, therefore, obtaining a policy is not only a desirable precautionary measure, but also an urgent need. In the event of unforeseen troubles on vacation, parents who have taken out child insurance can be sure that:
- their child has the right to rely on medical care for sudden illnesses and injuries, as well as on the provision of emergency dental services related to the treatment of dental inflammations;
- in case of urgent need an ambulance will arrive at the scene of an emergency;
- if for a serious reason the child is left without adult supervision, he will be evacuated home at the expense of the insurance agency.
- Does the cost of the policy for children differ from the cost of adult insurance?
- An insurance package for children (especially preschool age) can cost two or even three times more than the policy for adults. This is due to the fact that children are more susceptible to various infections and are more likely to be injured, which leads to an increase in insurance rates. Be that as it may, caring parents are definitely not worth saving on the health and safety of the child.
- Is it better to issue the policy at the office of the insurance company or online?
- Online insurance has a number of advantages over conventional insurance, as:
- for its registration, you do not need to sign a lot of papers and knock the thresholds of insurance agencies;
- the policy is a legally active official document, drawn up in a few minutes and immediately sent to the client by email;
- the insurance package is always at hand, as it is stored in the phone;
- allows you to save up to 20% of the cost of the policy, as it eliminates the cost of printing a document and "gratitude" to the insurance agent.
- On which website can you get online insurance?
You can apply for travel insurance online directly on our website Hotline.finance. The advantages of our service include:
- the ability to pay by card and receive an insurance package by e-mail;
- no additional commission;
- correction of errors in the contract and refund in case of trip cancellation;
- official cooperation with the largest insurance agencies;
- the ability to compare offers from the country's leading insurance companies.
- How, if necessary, can you use the issued policy?
- A person who finds himself in an emergency should call the hotline of the service center, inform the date of signing and the validity period of the insurance package, give his contact details and briefly describe the problem situation. Next, you need to follow the instructions of the insurance agent. As a rule, the representative of the insurance company will soon contact the medical institution or take other measures to provide the necessary assistance to the victim. It is important to keep all medical records and receipts, as after returning home they will need to be presented to the insurance company in order to receive reimbursement of expenses.
- How laborious is the process of obtaining compensation from an insurance company?
- If a client who has documentary evidence of all his expenses, within fifteen days after returning home, contacts the insurance company, then there should be no difficulties in obtaining reimbursement of expenses. The cost of medicines purchased on their own, but as prescribed by a doctor, is also reimbursed. It is not profitable for the agency to sponsor scammers who want to improve their health at the expense of the policy and get advice from European specialists. In this regard, before paying compensation, the insurance company carefully checks the legality of all financial transactions.
Insurance is an important part of a good rest. In order not to overpay for treatment abroad, it is better to pay once for the policy, thanks to which the rest will become as safe as possible.