Insurance of tourists traveling abroad is quite simple in the design process, and the policy is able to save you a lot of strength and nerves in case of unforeseen situations. In order to buy travel or medical insurance for travelers abroad, you will need:
If you are planning to spend a vacation abroad or go on a long training course - do not forget to issue an insurance policy! This applies even to trips to a visa-free country or traveling in Russia - an insurance policy will help you relax calmly and comfortably, feel confident and secure. Having issued insurance (and today you can also arrange medical and travel insurance online), you can get help in any country of the world wherever you are, which will greatly enhance your enjoyment of travel and save time, energy and money in case of an unforeseen situation. It is especially convenient that today the insurance policy can be obtained online, you do not need to travel anywhere and stand in lines - just get it on your email.
Tourist medical insurance will be required in the following cases:
As a result of the survey, which was attended by more than 1,200 people, constantly traveling around Russia and the world, we realized that for travelers one of the main principles is to be sure of their safety. People want to know that they will definitely receive qualified help in any stressful situation - flight cancellation, loss of baggage or document theft, accident or illness. Insurance for travelers abroad in this situation will become a real savior, and not just a formal document for obtaining a visa. Advantages and advantages of an insurance policy can be summarized as follows:
Insurance policies for students traveling to study abroad - a measure very useful and popular, about which Parents and family members are always worried. It is very important for relatives to know that their child will be safe, and even when they can not help him at a distance, the student will receive qualified medical care and care in any force majeure situations. Insurance protects in the event of injuries, diseases caused by acclimatization (after all, the student visits a new country with an unfamiliar climate, kitchen, environmental situation), allows you to use the necessary medicines, provide inpatient care and even use the services of dentists. To buy travel and medical insurance for a student traveling abroad is to take care of him and protect him from the negative influence of any unforeseen situations.
This type of insurance covers almost all types of expenses that will be needed when providing medical care to a child in another country:
As soon as the insurance accident occurred (the student fell ill or was injured, became the victim of an accident ), Immediately contact the service center of the insurance company, where the employee in Russian will describe in detail your further actions and will undertake the organization of the necessary activities: search, transportation, treatment and examination, appointment of a doctor, etc. The service center works in a 24/7 mode, without holidays or weekends - you can be sure that you will get prompt, qualified help absolutely at any moment. To call a service center employee, be prepared to state your full name, location, insurance policy number, contact number, briefly and describe in detail what happened.
The service center will help you if you have legal problems - for example, you have stolen documents or lost luggage. Do not settle for suggestions of dubious agents abroad, promising to solve your problems quickly and cheaply! Contact the insurance company where you were helped to make out an insurance policy, by a 24-hour service number - only this option will give you the opportunity to get a qualified, professional, legal help from a doctor or lawyer.
Medical insurance students can not only save your time and nerves, but also significantly limit financial spending. Let us give one example, taken from the story of an eyewitness.
A student who did not have medical insurance on a football training session and hit his hip, suspecting a fracture in the femur or rib. At the reception the doctor prescribed only standard medications to him, after examining the site of the damage - there was no x-ray, no bandages, no prescription of painkillers, and a check for 200 dollars was issued for this reception!
The cost of medical and travel insurance for students always depends on several factors:
Some countries set a different cost of medical care even depending on the institution in which the student is studying
Many countries for students Under 22 years old, who receive the first higher education (usually bachelor's programs), set a discount of 20%
The longer students plan to study abroad - the longer the insurance policy is drawn up for a longer period. If the training course is designed for several years, a standard annual insurance is issued, which is subsequently reissued the required number of times. Some insurance companies provide policies for a period of 2 years, and the longer the term of the policy, the more profitable its cost.
Many insurance agencies provide a special discount for students who travel as part of a training group of 15 people.
Typically, the amount of student insurance varies from 15 to 100 thousand dollars, from 60 cents to 2 dollars per night in a foreign country.
In any case, even when making the most expensive insurance policy, its value repeatedly pays off in the event of an insurance event, the elimination of the consequences of which will cost significantly more.
In a special form, select the countries and dates of the proposed trip - the system will make the necessary calculations within a minute and will generate for you possible Options for insurance from Russian companies, indicating all prices. If necessary, in the next step you can supplement the insurance with necessary details (for example, tick the special box if you are planning to engage in extreme sports), and the cost will be automatically recalculated.
On this page of our site you can arrange insurance for people traveling abroad, buy an insurance policy in just a few minutes. To do this, just enter your data and compare prices from several insurance companies and agents - we select the most optimal prices for you so that you can choose the best offer. Our service will allow you to compare the prices of insurance policies from the following reliable companies: ERV, Alfa Insurance, Rosgosstrakh, Ingosstrakh, Liberty Insurance, Consent, Support, VTB Insurance, Zetta, Renaissance Insurance, Russian Standard Insurance, RESO, VSK and others.
If a student is insured and injured in a foreign country as a result of an accident, after returning to the country he will receive monetary compensation, directly depending on the severity of the received Injury. This will be very useful, since usually a lot of drugs are needed for recovery, physiotherapy, medical supervision, etc.
The cost of accident insurance varies from 1 to 10 thousand dollars: depending on the severity of the injury received, 30% to 100% of the sum insured is paid. On average, the accident insurance for a week is $ 0.1, for a year - $ 153.3 (if the insurance cover is the minimum amount of $ 1000). If you can use the discount for young students (up to 22 years old, first-time university graduates), your expenses will be reduced by another 20%.
Like any type of insurance, medical or travel insurance for students (and also other types) has its limitations, under which the insured amount is not paid:
Regarding the last point, we give an example. For example, training is conducted in a warm country with the possibility of beach recreation, and for this you can use common urban and municipal beaches. And the student, arriving at the coast, discovers on the shore a red flag, signaling that bathing is strictly forbidden. If you ignore this warning, you can become a victim of sharks, jellyfish or other marine predators, and the insurance company will not pay insurance in this case, even if the student found it necessary to arrange medical insurance, as the student deliberately neglected the rules of conduct and official warnings.
It is quite logical that tourists and students are extremely sensitive to their luggage, especially students traveling abroad for a long time - and the loss of luggage becomes very unpleasant and disorganizing factor. Baggage insurance will help you in this case: it will be enough to produce documents and a statement confirming the incident (usually they can be obtained at the airport or the carrier's transport company) and you will receive compensation at the full cost of the baggage (only 15% ). You can get a similar luggage insurance policy for the entire trip period, or you can choose insurance only for the time spent on the way - the cost of the policy thus varies from 250 to 5000 dollars. Carriers usually pay only part of the lost or damaged baggage, while the insurance agent pays the remaining cost.
Unfortunately, in any country in the world at any time, this situation may happen that you unintentionally and accidentally damaged someone else's property or caused harm to another person, or you lose all documents , Including the passport. It will be especially difficult to solve such a problem in a foreign country where you do not know the language and legislation, do not have familiar lawyers or lawyers that you could turn to - in this case, the program of liability insurance will be indispensable. In this situation, you will be provided with a professional lawyer who will represent your interests and visit the courts, participate in the proceedings. Insurance coverage of this order is from 10 to 50 dollars, and costs about 182 dollars a year. We recommend that you buy such insurance for travelers abroad, if you are not sure about your level of a foreign language - it's very, very difficult to explain yourself in a critical situation with authorities and victims.
If you have already completed a study program abroad and bought tickets, but suddenly there were unforeseen circumstances of great strength (drafting an army or summons to the court, the death of a close relative) , The appropriate type of insurance policy will help you get back the money you paid for the tickets. The costs are returned in full (usually a sum of $ 200-3500), excluding only overhead (15%). The cost of such an insurance policy is 4% of the selected amount of coverage.
If you have already gone to another country, go through training and at this moment receive news of the death of a close relative - the agent pays for you tickets to your home country for a few days, plus tickets back to the country of training (flight in economy- Class).
Registration of a Schengen visa will require you to arrange an insurance policy for a traveler abroad for the duration of the trip - this can be TZD or an insurance policy for travelers abroad (you can buy it and At online registration of the visa). The whole area of the Schengen agreement is established by the territory, and the amount of insurance coverage starts from 30 thousand euros. A similar insurance policy covers the following potential costs: