When you are planning to travel abroad, do not forget about travel insurance . Why is it important to address the insurance? Tourist planning their trip as a time to which he devoted to rest and fill your memory bright and pleasant experiences. However, sometimes it happens that a holiday marred by illness or injury. As a result, the tourist is in hospital or just visiting a doctor and must leave a lot of money for medical services and medicines. Medicine is now quite expensive and, after illness or injury can have a rest much become empty wallet. To make this not happen to think over in advance of travel insurance to help pay for unexpected medical expenses.
In such cases, useful insurance policy that must be purchased in advance. Many countries, who need a visa, do not issue visas without health insurance.
Therefore, each traveler must make travel insurance . You should contact the organization that issued insurance policies of international importance. It is important that travel insurance for tourists pass by the insurance company that has access to international medical organizations. Typically, the insurance company enters into agreements with other international insurers, who will oversee the tourists abroad in the event of health problems. As a result of travel insurance not only provides payment for medical care, but also the organization of emergency care in trauma, accident or sudden illness.
The tourist, a contract on travel insurance should carefully review the terms and conditions set forth in the rules of insurance.
Going abroad, hardly anyone would think that with it something happens. Therefore, most of the tourists belong to the insurance as an unnecessary formality imposed by the embassies of the States and tourist companies. If there is a possibility - the tourists refuse this service, or choose travel insurance at the cheapest policy with the minimum amount of insurance coverage case, unaware that they can find something serious and they will be without adequate protection. Despite the fact that travel insurance and medical insurance is not a binding document upon departure from the country, many consulates require its presence for visa issuance.
The basic health insurance program includes payment of medical expenses that may arise in case of accident or sudden illness of a tourist. Insurance company in this case, the tourist pays coverage for physician services and issued medication. If a tourist is required hospitalization - insurance company pays the clinic stay and meals, as well as diagnosis, laboratory tests, surgery and intensive care. In the case of the death of a tourist insurance company will arrange delivery of the body home and the necessary funeral services. In addition to the above, payment of health insurance include the costs of emergency transportation to the clinic, including the special transport and medical aircraft, the organization of transportation from the hospital to the place of residence, including medical personnel as escorts.
In issuing the insurance policy must take into account that European countries have specific demands to the policy of insurance of tourists coming into their territory. This means that travel insurance should include the data required by the state set of services covered by insurance, as well as a certain amount of insurance coverage are not lower than the state. Some countries also require that the amount of payment of health insurance to meet certain sum for each type of service.
With regard to chronic diseases - that tourists should know that these diseases are not included in the basic insurance program and to treat them in case of aggravation abroad will not be paid. Therefore, tourists with chronic illnesses should consider in advance with your doctor possible aggravation when you stay abroad, and to avoid countries where the aggravation of the most possible.
Tourists often insure against accidents and partial loss of disability. This means that such insurance entitles him to payment of additional compensation.
In addition to health insurance can also protect yourself in case of unforeseen travel expenses for family members of the insured, and insure your luggage. Thus, we can understand what travel insurance is not just required a formality, but a necessity that will protect tourists during the trip.
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