Insurance “Travel assistance abroad”, “Health insurance”, “Medical insurance”, “Protection when traveling abroad”, “Travel insurance” – all of these are names of one and the same thing.
What exactly is it?
Today, there is no insurance company that does not offer it to its clients, but no matter how much is discussed, it is still unknown what exactly the policy includes and why do we need it so much. In short, the insurance aims to cover the costs of inpatient and outpatient treatment in the event that the traveler has an accident or is in urgent need of medical care and / or medication abroad. This insurance is offered in two varieties – with included assistance / providing assistance and covering expenses abroad / and without assistance / payment on the spot and covering the expenses after returning home /.
In addition to covering the costs incurred for treatment abroad, depending on the complexity of the situation, the so-called “separate return” or repatriation to the country of residence can be provided. It may be necessary to cover the travel expenses of a family member to pick up an injured person or to transport the remains in the event of death. Other costs that may be covered are for emergency dental care or search and rescue operations.
This may also include costs incurred in the event of theft, delayed delivery or damage to luggage, legal fees and other additional coverage. All these conditions are determined by the insurance company or the client can choose what to include his insurance.
The costs covered by a standard insurance are for hospital and outpatient treatment, emergency dental care and repatriation. The price varies widely – from a few pennies per person per day to several tens of levs, depending on the chosen number of coverages, age of the traveler, range and duration of the trip. It is important to take into account previous illnesses and disabilities, practiced sports (if any) and others.