Insurance of citizens traveling abroad
It is a cumulative type of insurance of citizens (tourists). This is a combination insurance. In this type of insurance, the components of property, medical and accident insurance are combined and present.
The essence is to provide payments for medical costs that can occur during a trip abroad, due to a sudden illness or an accident. This type of insurance has its own peculiarities and consists in the difference of the territorial effect of the policy (the country of direct residence of the insured)
When the policy of insurance of citizens traveling abroad is received, the reimbursement of funds extends to foreign states and has no legal force in the territory of the state of direct residence of the insured.
This type of insurance may also include certain other guarantees that are not included in the rules of personal insurance. For example: providing technical assistance on the road or providing legal assistance. Although these guarantees are of a private nature, their availability makes the insurance of citizens traveling abroad a complex one. Under insured events is meant
Provision of paid medical assistance if: there was an accident, an acute illness. And also exacerbation of a chronic disease with serious health threats leading to the death of the insured
Unexpected severe disability
Loss of luggage, funds, documents not according to the misconduct of the insured
Unplanned expenses, the cause of which is civil and civil liability
For objective reasons, the abdication from using tickets and possibly from a trip
Failure to comply with the obligations of the tourist agreement or the travel agent itself
There are two types of insurance for citizens traveling abroad. Compensation view and service view.
In the compensation form of insurance, emergency care is not available. The insured, who is abroad on a trip, organizes and independently pays for medical services. After returning to the country where he (the insured) lives permanently, on the basis of the available documents (extracts from the medical history, prescriptions, accounts.) Receives from the insurance company the payment of those costs that were included in the terms of the insurance coverage agreement.
The service form of insurance for citizens traveling abroad is very common and popular. This form has the advantage, judging by this, from the client. Immediately before the trip, the client signs an insurance contract (insurance) with the insurance company, that the company undertakes to reimburse the agreed medical expenses, as well as the related services provided. In the document (agreement) of the insurance policy, contact phone numbers of the service centers are indicated, according to which the client undertakes to inform about the occurrence of a case of illness or accident. After that, the insured person, on rendering and payment of the help, incurs only the service center. From now on, the organization and payment of assistance, insured to the subject, is exclusively handled by the operational center.
For the safe operation of the system, certain conditions are necessary.
1) Uninterrupted communication with the operational center should be available 365 days a year, 7 days a week and 24 hours a day
2) The operational center should be branched and with a well-established network of providers providing the necessary services existing in the territory of numerous countries and capable of providing the insured client with the whole range of services from the moment of primary hospitalization to returning to the country of permanent residence
The insurance rate for the insurance of citizens traveling abroad, differs from other risky types of insurance of citizens. The feature is expressed in the total (absolute) payment of the insurance premium at the rate of one day trip.
Factors affecting the cost of the tariff:
Age of the recipient of the insurance policy
Territory of the trip
Duration of the trip
Intent of travel
Limitation of liability of the insurer
Use of limits and deductibles