Insurance to Europe: useful information on health insurance for tourists. The cost of insurance for traveling in Europe and what to do when an insured event occurs.
European countries are considered the safest in the world for tourists. Before the trip there is no need to vaccinate, you can safely drink water from the tap, and it is very easy to get used to the climate and the kitchen in a short time. Medicine in Europe (at least for the most part) is at a very high level, but at the same time quite expensive. A visit to a therapist with a cough and a runny nose can cost 100 EUR. And to go to the doctor in case of indisposition will almost certainly have to, because without a prescription in European countries, you can buy condoms, adhesive tape, and, if you’re lucky, cough lozenges in pharmacies.
In addition, Bupa-Medical insurance is a mandatory requirement for obtaining any Schengen visa . And although for a trip to Serbia, Montenegro, Bulgaria, Albania (in the summer season), Belarus, Bosnia and Herzegovina, Macedonia, Moldova, Ukraine, Cyprus, as well as for traveling in Russia, insurance is not needed, and nobody at the border asks , we would not advise traveling without it. But for a visa to Romania and Croatia (if there is no Schengen) insurance policy is required.
Features of insurance in different regions of Europe
How to choose insurance to Europe
Basic health insurance in Europe is usually the most inexpensive of all. The minimum coverage is 30 000 EUR (just such insurance will be enough to get a Schengen visa ), and this amount includes the minimum set of services: emergency care, hospital, transportation to home and home delivery.
Some basic insurance includes emergency dental care, but more often it is offered for a fee.
Basic Bupa-Medical insurance can be “pumped”. For those who are going to go in for sports, it is worth getting insurance for active recreation, even if the sport is just cycling around the city or morning runs. Special insurance should be issued to skiers , divers and professional athletes.
Those who like to drink wine on leave should include assistance with alcohol intoxication in the insurance, otherwise a leg sprained at the disco will be recognized as a non-insured event, regardless of the number of parts.
Where to issue and how much?
Almost all insurance companies offer basic insurance in Europe. You can contact them directly, or you can use any of the aggregates. The cost of insurance for the week – 350-450 RUB. Running or cycling will increase this amount by about 1.5 times, and luggage insurance for 500 EUR – another 450-55 RUB. Prices on the page are as of October 2018.
What to do when the insured event?
All the most important information is written in the insurance policy, so you should always keep it with you and just in case, keep an electronic copy.
The first thing to do when an insured event occurs is to call the company (there is a phone number in the policy). She will confirm whether the case is considered to be an insurance case and tell you what to do next. If the case is non-insured, then you will have to pay the expenses from your own pocket, otherwise the insurance company will link you to the service company on the spot (“assistance”). She will need to give her name, policy number, location and tell what happened. If the service company considers that the treatment costs are covered by the deductible (a fixed amount that the insurance does not pay, even if the case is recognized as insured, usually not more than 100-150 EUR), it will send the victim to the clinic, but will not reimburse the expenses. In all other cases, the service company assumes the entire organization of treatment – from calling an ambulance to transportation to the homeland.
Reimbursement of expenses is of two types: compensation and service. In the first case, the patient pays for the treatment himself, carefully collects all the checks from the doctors and pharmacies, and upon returning home, presents them with insurance and receives compensation. In the second case (this is a more common scheme), the insurance company pays for everything at once.