If you like to travel or often leave on business trips in the country and abroad, the travel insurance policy - this is what you need. The insurance policy will help you avoid unexpected expenses that may arise during the trip due to sudden health problems, unexpected situation or other trouble.
Insurance
Moreover, the existence of an insurance policy - a requirement consulates of many countries in the visa, be it a guest, business or leisure. Typically, such a procedure for issuing visas is governed by the laws of the host country.
What is reimbursed by the insurance policy?
The insurance policy provides the insured person protection against unexpected expenses associated with the provision of medical, legal, administrative and other assistance abroad, including in sporting activities (which should be specified in the contract).
According to the insurance policy shall be reimbursed for the following expenses:
- Medical expenses for inpatient and outpatient treatment;
- the cost of transportation and repatriation;
- costs for travel restrictions in the planned trip;
- costs for loss of luggage;
- expenses with the emergence of the civil liability to third parties.
What determines the value of the policy?
The cost of insurance is determined by the country of temporary stay, the insurance amount, the number of days spent outside the permanent place of residence, the chosen program of insurance and the availability of the franchise.
Insurance risks:
- pocket medical expenses,
- transportation costs (including the evacuation of children, returning after hospitalization)
- medical transportation,
- Repatriation in case of death,
- Payment urgent messages.
- It includes sport risks (At busy professional or amateur sports to - the basic cost raising factors are applied).
- baggage insurance,
- legal aid, medical expenses of a close relative,
- costs associated with damage to personal motor vehicle,
- Insurance losses from the cancellation of a trip,
- costs for loss or theft of documents
- medical expenses of close relatives and insurance losses during the trip cancellation.
- first aid at an exacerbation of chronic diseases,
- emergency dental care,
- liability insurance to third parties.
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