Remember: on travel always carry an insurance policy with you, on any excursion and even for dinner in a city restaurant! Of course, you will always have an electronic option - but believe me, when an insurance event occurs, it will be much faster to show an existing paper policy than to download it from a phone or e-mail.
The first thing you need to do is call your insurance company for emergency numbers. Abroad, in partnership with Russian insurance companies, an intermediary (Assistance) usually works: it will change the reservation of your tickets, organize your visit to the clinic, look for a doctor, etc. The numbers of intermediary companies are also always indicated in the insurance policy, and the costs for telephone and roaming are also covered by the insurance amount of your policy.
Prepare to inform the operator on the line the following data:
- Your Name
- Number of personal insurance policy, validity period
- Your location
- What help do you need (the essence of the situation - what happened)
- Coordinates and contacts for feedback.
Be sure to coordinate with your specialist ALL of your actions: otherwise it may very well be that "unauthorized" expenses will not be covered - you will completely pay them out of your pocket.
Be sure to keep all checks and other documents, certificates and prescription forms: if you are refused to issue them for any reason - ask for an official refusal (in writing), this is useful when you receive insurance payments in your home country.