Insurance Policy Which Take a trip? Whereto find it?
Issue to take or not to take a trip insurance policy simplydoes not exist. Insurance of course you need to take. All are healthy; no one
plans to get sick and injured. I do not believe that a broken collarbone in the
Austrian Kitzbühel, the doctor from the local krankenhausa (hospital) several
times had to repeat it, demonstrating a clear X-ray. That's why you need to do
three true steps: buy a policy, put in your backpack and forget about the
problem.
If you do not work for an insurance company, the choice of
insurance will certainly cause embarrassment. Insurance is the most complicated
aspect of the preparation of the trip. All insurance companies are invited to
consult the list of conditions written in small italics on multiple pages. Very
much, very small and everything is very important. Understand these volumes
chicanery professional lawyers, financiers easy. But we can do it.
For our convenience, we take only those companies that
offer to buy a policy online. We will not deal with the reliability ratings of
insurance companies and different plans of insurance coverage, it is important,
but not the goal. The idea that would offer an alternative to Russian insurers,slightly
different approaches to compare the insurance and in general to understand how
to choose.
The Russian insurance market many different large and small
players offering policies online: Ingosstrakh, Renaissance Alliance, Alfa
Insurance, FAC, Liberty, VTB Insurance ... Visit the website of the insurer,
who do you trust and choose the appropriate policy. If you have any do not
trust, you can use the electronic broker Cherehapa.ru. You will receive a
comparison of the different tariffs and conditions and cost of the policy will
be the same as when you make a right on the website of the insurer. Service is
very helpful in choosing.
Cost of Russian insurance one day from $ 1. If you plan to
take to hire a moped, motorcycle, if you plan to leisure, sports - take it into
account in insurance. You do not go skiing, just in the summer with his family
to the beach. Well, maybe to dive off the beach, even without scuba gear. Well,
maybe go on a tour in Turkey, such as white-water rafting. Keep this in mind.
When is it best to use the Russian insurers?
In visits to tourist-developed regions, without gettinginto the jungle. In "our" many advantages: cheaper telephone support
in Russian, settlement of disputes clearer. Minus two, but long - lame quality
and reliability fragile.
A good alternative - a direct appeal to the western Russian
insurer without an intermediary, such as a US company HCC Insurance Services
(hccmis.com).
Insurance coverage - from $ 50,000 to $ 1,000,000.
Insurance premium - $ 03.02
a day. Franchise - floating from 0 to $ 500, you can
choose your own. If the coating is $ 1,000,000, the conditions are as follows:
Medical evacuation - $ 500,000 (including land and air
ways, depending on the circumstances)
Evacuation for political reasons - $ 10,000
Terrorism - $ 50,000 (payable only medical expenses)
Covering an exacerbation of chronic diseases - $ 15,000 for
treatment and $ 25,000 for emergency evacuation.
When is it best to use the policy HCC Insurance
Services?
Insurance is possible to go hiking in the mountains to a
height of 7,000 meters, it is suitable for tracks in the Himalayas. Since the
limit for the transportation of huge, you can count on a helicopter or seaplane
and in the most remote corners of the planet and on the middle of the ocean
liner. Insurance also covers baggage, electronic gadgets, canceled trips and
much more.
Even more advanced electronic insurance policy is available
on the website of the Danish company WorldNomads.com.
The company offers astronomical limits of liability of $ 5
million to infinity, the main advantage of transportation policy - whopping
expenses are covered up to $ 500,000. Insurance covers and dentist and
chiropractor and osteopath. Insurance covers even cash out of pocket expenses
during hospitalization. Insured baggage, loss of documents, late for a
connecting flight, etc. Electronics and gadgets are insured separately by name.
The cost of $ 04.05 per day. Deductible - $ 100 (except for
emergency evacuation).
When is the best policy to use World Nomads?
If you are planning a trip to the remote region, where it
may be necessary to the hospital road transport, such as the highlands of Nepal
or the islands of Micronesia.
If you plan to do or what kind of extreme. Insurance allows
many things: parachuting, freeride - Heliski and heliboarding, free diving,
kitesurfing + huge list - almost everything that man has invented to tickle
your nerves. Almost, but not all, of the policy are off paragliding and
climbing.
A few tips
No insurance is not valid than ever, if the insured event
occurred in a state of alcohol or drugs.
Insurance card with the number of policy is best laminate
and take with you. Especially if you dive somewhere, climb, jump or move out.
After all, if she can come in handy. If, God forbid, something happens, your
partner will be able to contact the insurer.
Not all insurance policies are in case of injury. Walking,
fell woke up - gypsum, closed fracture. A policy that is only valid in case of
illness. Check twice.
If you plan to take the vehicle, pay attention to the
policy on third party liability.
Russian insurance companies to use more convenient andeasier. With them and to sue and convenient payment receive. But just try to
talk to them about emergency transportation by helicopter from slozhnodostupnyh
regions, and it is clear that in such cases need someone else. Fortunately, get
insurance Western company by paying its plastic and printed, it became easier
than going to the grocery store around the corner.
