Today, almost any company that solves insurance issues has systems in its portfolio compulsory insurance Vehicle. For this purpose, a special Bureau was created, called the "Green Card" (in English Green Card), which approves all tariffs for a specific insurance product.
Russians can cross the Belarusian border without issuing a foreign passport, as well as passing customs control, but when entering this state in their own, corporate or trusted car, they will need to present compulsory auto insurance.
This insurance is called the "Green Card" and allows you to eliminate financial losses that occurred as a result of a traffic accident that occurred with the participation of a Russian car.
In addition to having insurance, customs officials also without fail check whether a foreign citizen has documents for a vehicle, a driver's license, as well as a power of attorney to drive a car if the driver is not its owner.
At the same time, it is possible to temporarily register a car after one month of stay on the territory of Belarus.
Registration process insurance policy international format is possible on the territory of Russia from any insurer providing such services. In case of an urgent departure, it is possible to issue a Green Card at the border with Belarus.
The green card is a prototype of Russian auto insurance issued by accountable banking organizations for compulsory motor third party liability insurance. This type insurance belongs to the category necessary not only in the territory Russian Federation but also in neighboring countries.
According to international requirements and norms, the Green Card is mandatory and provides the insured with a number of guarantees in the event of a traffic accident, namely:
These customs rules must be followed by all foreigners who cross the border of another country, and Belarus is no exception to this list.
But, it should be noted that now the border with Belarus is almost open for residents of Russia, due to which the procedure for passing through customs control and filling out a declaration is greatly simplified. But even despite this, the rules of compulsory auto insurance remain unchanged for everyone. foreign citizens.
If a foreigner travels around Belarus without a Green Card and is stopped by the police, he can be fined at least two hundred dollars. If at the same time he refuses to pay the fine, he will be immediately expelled from this state.
To avoid such troubles, it is advisable to take care of purchasing such an insurance policy in advance.
At this point in time, the cost of an insurance policy for a car for Russian citizens who are going to enter the territory of the Republic of Belarus, is established by the Russian Bureau of the Green Card.
Every four months there is an increase in the price of the insurance policy, but insignificant. This indicator depends on the statistics of insurance payments, as well as fluctuations in the exchange rate of the ruble against the euro.
It also happens that the tariffing remains unchanged. The cost of the insurance policy, as well as the schedule for calculating the price of the Green Card, are the same for any organization.
At the same time, the cost of insurance directly depends on:
Of course, the cost of the insurance policy will increase in proportion to the time spent in Belarus.
You can set the specific cost of the Green Card as quickly as possible using a special online calculator after entering all the necessary data.
Payment for an insurance policy under the tariff plan "All States" will be quite expensive. If insurance is issued for one country to choose from, then its cost will decrease by approximately one third. For example, opening an insurance policy for a passenger car for the Republic of Belarus for 30 calendar days will cost 1100 Russian rubles, and the tariff scale for all states for a similar period of time will already cost 4670 rubles.
A green card with a validity term of one year for the Republic of Belarus costs 9,460 Russian rubles for freight transport, and already 37,120 rubles for the All States tariff plan. Obviously, the difference in finances is very tangible.
Such a large range is due to the fact that in these states (to which Belarus belongs) the rules and conditions of the road are almost similar to those in Russia. Thanks to this, the driver can feel as comfortable as possible on the road, which in turn significantly reduces the risk of a traffic accident.
Under the terms of the acquisition of the Green Card, no benefits are provided for due to social status: the cost of the policy remains the same for all categories of the population.
Before purchasing the Green Card insurance policy, you need to decide from which organization the purchase will be made. Here the best choice will be insurance organization, which has a high official rating (denoted as A ++).
In order to purchase compulsory international auto insurance, you should first find out which of the insurance companies have a sufficient level of accreditation for this. Not every insurance organization has permission to freely sell this product.
The main insurers that have sufficient accreditation include members of the Russian Union of Motor Insurers (referred to as RSA).
At the same time, popular opinion is no less reliable rating. The latter is compiled on the basis of a survey of respondents and feedback from citizens who have already managed to use the service of a particular insurance organization.
Currently in the Russian Federation there is a large number of firms selling the Green Card. An alternative option would be to purchase a policy when passing through customs control. In this case, the cost of insurance will be higher than in the insurance company, but at the same time, it will begin to operate immediately after registration.
If we talk about the leading insurance companies specializing in issuing Green Cards, then the following stand out among them:
Any of the organizations listed above will be able to issue a green card for Belarus. The main thing is to carefully read all the conditions for issuing auto insurance, be sure to read the additions, which often contain very important information that is not indicated in the contract itself. You will also have to prepare a package of necessary business papers and be patient with this procedure.
Do you want to see the world? Are you planning to travel abroad? Dreaming of getting to know European and Asian countries better? You can't do without TCD insurance. Medical insurance is a mandatory document when obtaining a visa, you will also have to issue a policy when traveling to countries with a visa-free regime.
Example 1 Example 2 Example 3
If your trip to Belarus is from 1 to 7 days (for example, 6 days), and you conclude a contract for Medical insurance for the amount of insurance 30,000 USD, the cost of insurance will be as follows:
RUB 54.00 (cost of one day of insurance) * 6 days = RUB 324.00
TOTAL: 324.00 rubles.
Having concluded the Trip Cancellation Insurance contract, you need to add 4% of the cost of your air ticket and tour to the above tariffs in the first table. Suppose that the cost of your air ticket is 30,000 rubles, and the tour to Belarus that you have chosen is 80,000 rubles.
We get the following: + + = 324.00 rubles + 1200 rubles + 3200 rubles = 4724.00 rubles
TOTAL: when concluding a contract for a period of 6 days for Medical insurance ($ 30,000) and Trip cancellation insurance for Belarus, total amount will be 4724.00 rubles.
If your trip to Belarus is from 1 to 7 days (for example, 6 days), and you visit the country from the territory of WW (Worldwide), and you conclude a contract for Health Insurance for the amount of insurance 30,000 EUR, the cost of insurance will be as follows:
61.20 rubles (the cost of one day of insurance) * 6 days = 367.20 rubles.
TOTAL: Insurance for traveling to Belarus for a period of 6 days will be 367.20 rubles.
Having concluded the Trip Cancellation Insurance contract, you need to add 4% of the cost of your air ticket and tour to the above tariffs in the first table. Suppose that the cost of your air ticket is 30,000 rubles, and the cost of a tour to Belarus is 80,000 rubles. We get the following: + + = 367.20 rubles + 1200 rubles + 3200 rubles = 4767.20 rubles.
TOTAL: when concluding a contract for a period of 6 days for Medical insurance (30,000 euros) and Trip cancellation insurance for Belarus plus another country, the total amount will be 4767.20 rubles.
If your trip to Belarus is from 1 to 7 days (for example, 6 days), and you visit the country from the territory of WW (Worldwide), and you conclude a contract for Medical insurance in the amount of insurance 75,000 USD, the cost of insurance will be as follows:
76.80 rubles (the cost of one day of insurance) * 6 days = 460.80 rubles
TOTAL: Insurance for traveling to Belarus for a period of 6 days will be 460.80 rubles.
Having concluded the Trip Cancellation Insurance contract, you need to add 4% of the cost of your air ticket and tour to the above tariffs in the first table. Suppose that the cost of your air ticket is 30,000 rubles, and the cost of a tour to Belarus is 80,000 rubles. We get the following: + + = 460.80 rubles + 1200 rubles + 3200 rubles = 4860.80 rubles
TOTAL: when concluding a contract for a period of 6 days for Medical Insurance ($ 75,000) and Trip Cancellation Insurance for Belarus of another country, the total amount will be 4860.80 rubles.
On our website you will find out why you need medical insurance for a trip to Belarus.
To buy medical insurance in Belarus online, it is enough to compare the offers of insurance companies, each of which concludes an insurance contract for special conditions. There is no need to waste time before traveling abroad - every minute counts. It is better to use the insurance calculator directly on our website, and within 1 minute you will find out how much insurance costs and where it is cheaper.
Medical insurance for a visa to Belarus is not only a necessity, without which it is impossible to apply for a visa, but also a real help in a foreign country. Unfortunately, unpleasant incidents can happen anytime and anywhere, while insurance allows you to quickly and with minimal damage neutralize the negative consequences.
The answer to the question "Which insurance to choose?" depends on the type of holiday abroad. If you are planning an active holiday, extreme entertainment, professional sports, expand the list of insured events. In addition to medical insurance, they are insured for the following cases:
To find out where it is most profitable to get the most complete insurance, enter all the necessary data in the lines of the calculator, and then click "Calculate". Literally within 1 minute you will receive current offers from insurance companies. You can apply for insurance right here on the website.
Market health insurance in our country is just developing. Needless to say, if only 3.6% of the inhabitants of Belarus draw up medical policies and go to doctors for money. But are these people doing the right thing? What is the benefit for them from all this in the presence of free clinics and hospitals? The journalists of Onliner.by dealt with this issue.
So why do you need health insurance? For example, in order to, in case of illness, you can go for a consultation not to the district clinic, but, for example, to a private medical center. Change doctor if he doesn't fit. Do not wait for an appointment with a narrow specialist for months, but sign up for next week. Perform analyzes in laboratories and receive results by mail on the same day. And so on - up to the payment of dental services and medicines. Get adequate service, after all. Even on Sunday. Moreover, insurance helps to save a lot, especially when compared with the price list of some medical institutions.
This is all true, there are a lot of pluses. Especially when you are young and practically do not have serious diseases. But first things first.
The algorithm of actions with medical insurance is simple: you pay a premium, and you are insured for a certain amount (ten times higher than the premium, for example, insurance is $300, and the sum insured is $5000). This means that if your health suddenly deteriorated during the year, you can call (write to mail or messenger) at insurance company before the doctor's visit. And she will pay for all your visits to doctors, tests, ultrasounds and other studies within the sum insured.
There are currently 12 players on the insurance services market in Belarus. True, only 6 of them work with individuals. These are Belgosstrakh, Promtransinvest, TASK, Ingosstrakh, Centaur and Guarantee.
In addition to direct suppliers, there are several intermediaries on the market - insurance brokers. These are Avtokasko, VIP-insurance and other companies. They sell ready-made offers from insurers and, if necessary, are ready to offer a suitable option.
According to the rules, the maximum insurance period in Belarus is 1 year. Before calculating the amount insurance premium, you will be asked to fill out a special health card.
In it, you provide all the necessary information about your health (up to the number of visits to doctors for certain diseases and indications of what your relatives were ill with). In addition, you consent to the verification of your medical records in clinics and other medical institutions where you were served.
Further, the company will assign you a health coefficient, according to which it will set the amount of the insurance premium for the year. It depends on whether you have serious illnesses, as well as on the age of the insured: for example, a 30-year-old will pay less for his insurance than a 50-year-old.
As a rule, most companies do not insure cancer patients, those with HIV infection or AIDS, who are registered with narcological and neuropsychiatric dispensaries, patients with tuberculosis, especially dangerous infectious diseases, severe diseases of the endocrine system, chronic hepatitis C, E, F, G, as well as disabled people of I and II groups (sometimes in these cases they can make an exception) and hospitalized or received a referral for hospitalization. For some companies, this list may be supplemented.
Preventive receptions and manipulations, medical examinations for work and upon receipt are not covered by insured events. driving license, as well as appointments with psychiatrists, narcologists, alternative medicine doctors. In addition, most centers do not recognize planned pregnancy, occupational diseases and plastic surgeries as insured events.
Meanwhile, the variations and nuances of policies for all companies are different. The correspondent of Onliner.by, under the guise of a simple client, studied the insurance options that the market can offer. Prices are approximate, in each case there will be an individual adjustment of the amount, taking into account the coefficient. All calculations are given for young people under 35 without serious illness.
It is this amount that needs to be paid for basic insurance (they insure for an amount of about 10 thousand rubles). It includes services at state medical centers, polyclinics, including the Republican Scientific and Practical Center, the polyclinic of the Academy of Sciences, and so on.
But there are limitations: no more than three consultations with each doctor per year, no more than two ultrasounds and five laboratory tests. MRI, CT and other studies are also not included here. (By the way, such insurance is provided by the Ministry of Finance and several other companies have it.)
The basic program plus commercial laboratories such as "Sinevo", "Invitro", "Sinlab" and so on - 857 rubles.
If private medical centers are added to the basic program (except for Ecomedservice, Nordin, Lode, Enusana, Kravira and Elios), then insurance will cost 1,060 rubles.
If you are going to go to all state and all commercial institutions - you will have to pay 1350 rubles.
A comprehensive program - outpatient care plus a hospital (small rooms, examinations, payment for manipulations, and so on) in all medical centers and state institutions costs 1,615 rubles.
- If you also want insurance for dental expenses and payment for medicines (in pharmacies of a certain network), then insurance will be 50-65% more expensive,- noted in the company. - The amount you want to allocate for medicines and dentistry is also negotiated.
Belgosstrakh does not limit the age of insurance under these programs. "From 0 to 100 years",- they say here.
- We offer only one type of insurance - outpatient,- they say in the company. There is no basic option provided by the Ministry of Finance, just as there is no dentistry, medicines and a hospital.
- But there is service in all medical centers without exception. Once during the insurance period, you can do tests for STIs, MRI, undergo a massage course as prescribed by a doctor, and so on (everything is indicated in the contract),- explain the specialists of the company. - Appeals for chronic diseases without exacerbations are not accepted, we insure an acute health disorder.
For young people under 35, the approximate amount of insurance will be 870-890 rubles per person for the equivalent of $7,000 in insurance. For people over 55-60 years old, it will cost 1200-1400 rubles with insurance for the same amount.
- We insure children from a year. Moreover, scheduled vaccinations and visits to doctors do not fall under the insured event,- explained in the company. - We also have a rule: if three or more people come, then this is considered group insurance - everyone receives a 20% discount.
- For individuals, we offer a unified insurance program developed by the Ministry of Finance,- explained in the company. - The cost of such a program is $300 per year of insurance in the amount of $5,000, the cost includes only services in public medical institutions(the conditions are similar to the basic tariff of Belgosstrakh, without MRI, CT, and so on. - Note Onliner.by) - these are all polyclinics, except for the Republican Scientific and Practical Center. The second program provides an opportunity to be served in private medical centers, the preliminary cost is from $1000. It includes MRI, and CT, and ultrasound, and massage as prescribed by a doctor.
Age is not critical, but it is desirable to insure up to 65 years.
There are programs "Polyclinic", "Inpatient care", "Dentistry", "Medications" and "Emergency care".
- The program "Polyclinic" is divided into three subcategories: "Standard", "Classic" and "Lux",- explain in the company. - The first program provides for visits only to state healthcare institutions(something similar to the Belgosstrakh program. - Approx. Onliner.by) , the second - public and private institutions (without Lode, Ecomedservice and Nordin), and the third - all medical centers without exception, all ultrasound, MRI, CT scans, as well as massage as prescribed by a doctor.
For a young person under 35 years old, a complex of programs "Polyclinic" ("Luxury"), "Dentistry" and "Medicines" will cost 741.5 rubles (the sum insured is 8,000 rubles plus 200 rubles for medical insurance and 350 for dentistry). For people under 55-60 years old, such insurance will cost 904 rubles per year.
- There are options for insurance of a married couple with a child. The amount is 5,500 rubles per person (including 1,000 rubles for a hospital and 500 rubles for dentistry),- they say in the company. - Then the amount of the insurance premium from the parents will be calculated taking into account the current discount - 622.88 rubles, and from the child - 476 rubles.
There is an age limit: women over 55 years old, men over 60 years old and children under 1 month old are not insured.
- We have a minimum package that we offer to customers. This is a consultation with doctors of state medical institutions(a scheme similar to the basic tariff from Belgosstrakh. - Note Onliner.by) , - told the company. - It costs from 330 rubles, the sum insured will be $5,000 equivalent. The "Business" option - the most popular - will cost from 605 rubles. If you want to add medicines in the amount of 200 rubles, then the insurance premium will increase to 696 rubles, and if you also spend on dentistry, this is already a little more than 700 rubles per year.
The complex "Business" plus "Dentistry" and "Medicines" at the full rate (200 rubles of the sum insured) will cost 1170 Belarusian rubles.
- If you want to insure your parents, then we have separate tariffs for people over 56 years old. The approximate amount will be from 1640 rubles, and insurance for a child under 3 years old will cost about the same.
Relatively new company in the market, it does not conclude insurance contracts itself.
- Intermediaries work with us,- explained in the "Guarantee". - We cooperate with Alfa-Bank, where we have the most offers, a little less - in MTBank, Idea-Bank. We also work with VTB Bank. True, they conclude insurance for only three months.
The minimum cost of the social package is 120 rubles (the scheme is like the basic tariff in Belgosstrakh), the premium package will cost from 455 rubles (appeal to all centers, including paid ones, without restrictions). The sum insured is from 5000 rubles.
Yes, the price tags for more or less normal insurance bite, it's true. For legal entities, insurers offer more attractive options. That is, if suddenly you want to insure through the employer, be prepared to be surprised. Especially if you decide to insure in a large company.
First, with legal entities 12 companies will operate. You will immediately have more options. Secondly, many companies will reduce the amount of insurance premiums.
For example, "Belgosstrakh" in this case makes a 50 percent discount on all programs. Insurance with dentistry and medicines will cost about 1,200 rubles, and without it it will be about 720 rubles (this includes the opportunity to get to both state clinics and private medical centers).
What is the reason? As the Belarusian Association of Insurers explained to Onliner.by, the reason for this difference is the reduction of the insurer's commercial risks. Reducing risks helps to apply the reduction coefficients provided by the Ministry of Finance to insurance premiums.
“Before you decide to invest money somewhere, it is important to clearly understand what you want”,- financiers often advise. This also works with insurance. If you have a lot of unresolved health problems and they bother you, then yes, you should. The average insurance with an extended range of services costs about 900 rubles. For comparison: an appointment with an ophthalmologist at the Gorizont medical center costs 25-30 rubles, ultrasound of the joints - 30 rubles, MRI in private centers - about 110 rubles, a course of back massage (10 sessions) - about 300 rubles. In total, this is already more than half of the money spent. If you add complex analyzes here, then the funds for treatment will be repaid with a vengeance.
3. Study the work of the insurance company itself, how their telephone line works, whether there is a 24/7 function, whether they respond quickly by mail, what communication channels they use. When you hit the flu on a Saturday night, it's important that the insurance company can quickly confirm payment to the medical center.
4. Find out from the company's doctors about all the nuances of the insurance policy, so that later it will not be a surprise for you that scoliosis is not an insured event, and you can do an MRI only once a year.
5. If possible, ask for an installment plan or a division of the insurance premium into several parts. Some companies are ready to go for it.
- This type of insurance in our country is being developed under the control of the President and the Ministry of Health,- says the chairman of the committee on health insurance of the Belarusian Association of Insurers Natalya Shafalovich. - Now on the market voluntary insurance medical expenses compete 12 companies. The largest are Belgosstrakh, Promtransinvest, Belneftestrakh and Beleximgarant. The number of insured persons is growing. For example, according to data for last year, more than 341 thousand people were insured in Belarus. In total, last year the country's medical institutions provided insured Belarusians with paid services in the amount of more than 35 million rubles. This is a serious financial support to public and private healthcare institutions.
Voluntary insurance of medical expenses helps to reduce the number of applications of citizens of Belarus to state medical institutions, and people also receive medical care faster and more fully.
- What prospects do you see? Will we still come to the situation with insurance, like our neighbors?
- Ultimately, we will come from medical insurance, which exists now, to insurance medicine. Because there is no other in the world. The cost of public medicine for the state is high, because medicine is a very expensive sector of the economy.
Moreover, all over the world, insurance medicine is developing precisely in order to improve the quality and accessibility of medical care. The presence of insurance medicine implies equalization of the quality of medical care in the country.
The transition period depends on economic condition our country. With stable economic growth, there will be an increase in the well-being of people - then the transition to insurance medicine will happen faster.
The answer to the question of whether insurance is needed in Belarus is not so unambiguous. Interstate agreements allow Russians to enter the Republic of Belarus without medical insurance. They can count on the provision of medical assistance, but taking into account certain features. But motorists must definitely provide for a policy, since OSAGO, issued in the Russian Federation, is not valid on the territory of the Republic of Belarus.
In 2006, official Moscow and Minsk signed an agreement that regulated the procedure for providing medical assistance to Russians and Belarusians who ended up on the territory of the Republic of Belarus and the Russian Federation, respectively. In accordance with its provision (Article 5), these citizens are provided with free medical care in the following cases:
But it is a mistake to think that Russian citizens do not need medical insurance in Belarus. The same intergovernmental agreement provides that as soon as the threat to life has passed, further, as well as planned medical care is paid.
That is, medical insurance for a trip to Belarus is not binding document, at the border, when entering Belarus, they will not ask about him, and his absence will not become a basis for refusing a pass. But if it is necessary to treat a disease that does not threaten the life of the patient, you will have to pay for the treatment from your own pocket.
All of the above, including the need to pay for treatment on their own in the absence of medical insurance, is true for Russian tourists. But there are other cases in which Russians are entitled to free medical care. They will receive it in the same volume and on the same terms as the Belarusians, if:
The main requirement for these citizens is that they stay on the territory of the Republic of Belarus legally, the documents are drawn up and presented in a medical institution.
In practice, there are diametrically opposite cases. For example, Russians with a desire to buy insurance in Belarus turned to a specialized company located in Moscow. When they were in the Republic of Belarus, they had to go to the district hospital. The presented policy caused bewilderment what to do with it, the doctors did not know, the necessary assistance was provided without it and in full.
Most of the reviews indicate that doctors in the Republic of Belarus do not separate Belarusians and Russians, willingly provide the necessary medical care without any bureaucracy. But there are exceptions.
The family, all citizens of the Russian Federation, ended up in a provincial town in the Gomel region. I had to go to a local hospital with suspected appendicitis. Medical policy was absent, but an urgent operation was required, the necessary assistance was provided (appendicitis was removed). But further treatment was carried out on a paid basis, for which I had to pay the equivalent of about $900.
Even the purchase of certain medications - antidepressants, antibiotics, other drugs, especially those containing narcotic substances - will require a prescription from a doctor. And in this case there is a charge.
And despite the fact that insurance at the border with Belarus is optional for presentation, in order to avoid unjustified expenses, it is recommended to issue it. Requirements for a policy issued for a trip to the Republic of Belarus:
This amount is sufficient for the vast majority of therapies. At the same time, if the treatment provides for emergency treatment and a recovery period, the insurance covers the latter. urgent health care is in accordance with the above intergovernmental agreement.
Medical insurance can be service and compensatory. The first option is recommended, in which all costs are covered by the insurer. In the second case, you will have to pay the costs yourself, followed by claiming compensation from the insurance company.
As part of the policy, you can count on the following:
This is a standard set of services, but additional ones can be provided. It includes sports injuries, loss of luggage and documents, unexpected travel expenses, travel insurance, and legal assistance.
You can issue a policy at an insurance company in Russia. The cost of insurance for Belarus depends not only on the list of services - standard and additional, but also on the age of the tourist, the length of stay in a friendly country, as well as the desired amount insurance compensation. Surcharges for additional options are insignificant, the price of the policy is significantly lower than when traveling to Schengen countries or the USA.
There are many insurance companies and their intermediaries. All of them are collected on one aggregator site -. On this site you can compare insurance prices and choose best option from the proposed set of insurance companies.
In order to buy online insurance for traveling abroad at the lowest price, you need to:
After payment, the insurance policy will be sent to email specified when filling out contact details. The insurance policy will also be kept in personal account on the site, which will be automatically created after the transaction is completed.
You can also find out the cost of insurance in Belarus using the form below:
You do not need to save on insurance in Belarus. As practice shows, such actions can turn against the tourist. Savings of several hundred rubles can lead to financial losses in the amount of several tens of thousands of rubles or more.
Insurance for those traveling abroad when visiting Belarus is required. The laws of Belarus establish compulsory insurance for foreign tourists.
Requirements for TCD insurance policy in Belarus
Entry without a VZR policy into the territory of Belarus, subject to the obligatory purchase of a policy in an insurance company of the country, is allowed:
All existing agreements do not provide assistance to foreign tourists:
You can purchase a TCD insurance policy for a trip to Belarus online on the Vyberu.ru portal, fill out the form, swipe online payment and receive the policy on your e-mail.
Insurance policy for children when traveling abroad
It is obvious that insurance when a child travels abroad is necessary: it can cover the costs of treatment and the purchase of medicines for the child. After all, children are most often exposed to climate change, disease and injury. In addition, in many countries a policy is simply necessary. Therefore, you should take care of this in advance and protect yourself from unforeseen expenses for treatment, which can exceed hundreds of dollars or euros. When taking out insurance for a child abroad, it is worth considering the features of this service. First, remember that you can include your child in your insurance or purchase a separate policy that has many more risk options. Child insurance usually includes:
Of the additional options, insurance is often chosen in case of accidents, for sports, as well as liability to third parties in the event that the insured child causes damage to property or health.
Travel insurance abroad
The work of many companies, large and small, requires the posting of employees within the country or abroad. Medical expenses within the country can be covered by a compulsory insurance policy, and the expenses of the employee himself - by the company, when providing checks. But when traveling to another country, travel insurance may come in handy. For organizations that send their employees outside of Russia to resolve business issues, there are two options for solving insurance problems. First, the company can purchase ready-made insurance policies for employees that define the “corridor” of days during which they can be abroad. For those who rarely go on foreign work trips, you can take out one-time insurance. Travel insurance abroad can include:
What does flight cancellation and delay insurance include?
Flight cancellation or delay insurance is useful for the traveler, as it will allow you to compensate for unforeseen expenses associated with waiting at the airport or even canceling the planned trip. At the same time, the contract stipulates that the delay must be at least a certain time - for example, four hours. That is, if the flight was delayed by only three hours, you will not be able to receive compensation.
A trip cancellation or flight delay insurance policy may include the following cases:
The insurance company may pay for food during the delay, accommodation and transportation to the hotel, expenses for the purchase of essentials, and telephone calls made during the delay.
It should be noted that delays, cancellations or rescheduling of charters, lateness of the insured person for transfer or check-in, accidents that occurred due to the fault of the insured person, as well as cases without a written confirmation of the air carrier about the reasons for the delay, are not subject to compensation.
What is included in flight insurance?
Why do you need travel insurance? The possibility of getting into trouble, which are considered insured events, already exists on the way to the airport. You may miss your flight due to traffic jams, or your flight may be delayed or canceled due to weather or technical problems. Baggage may be lost when transferring to a connecting flight or lost already in the host country. Flying comes with many risks, and air travel insurance, as well as luggage insurance, can help you get reimbursed. Typically, the following risks can be included in the policy:
In-flight baggage insurance will allow you to receive a payout for lost items, but only after the loss is compensated by the airline itself. If luggage is lost, indicate that you had to buy essential items and provide receipts for them, and if damaged, indicate the brand of damaged items and their price. Flight cancellation or delay travel insurance provides compensation for expenses such as meals during the delay, purchase of essentials, telephone calls, hotel services, travel to and from the hotel.
Do I need special insurance for pregnant women when traveling abroad?
Not many insurance companies decide to insure pregnant women for traveling abroad. This is due to high risks, which can significantly increase the company's costs. Insurers providing services to women "in position" put forward a number of conditions that their client must meet:
The following non-insured events must be indicated in the insurance of pregnant women traveling abroad:
At the same time, both premature birth and termination of pregnancy can be paid for by the insurance company if they threatened the woman's life.
The maximum period for obtaining insurance for pregnant women when traveling abroad is 30-31 weeks. For a longer period, no insurance company will sign the contract, since the risks of a woman's well-being worsening or other complications are much greater.
Travel insurance abroad, where to compare insurance companies?
Travel insurance allows you to save on unforeseen expenses - for example, in case of loss or damage to luggage, a delay in departure, or in the event of an accident that caused harm to the health of a tourist. There are many organizations that offer their services to Russian travelers, but insurance abroad implies the need to compare insurance companies before making a final choice. Your comfort and safety in a foreign country depends on your choice.
Vyberu.Ru contains all offers from companies offering TCD insurance. Here you can view the conditions, prices and compare the options you like without spending the time and effort that is so necessary before the trip. You can apply for travel insurance online: with the help of Vyberu.ru, you will select the appropriate options and buy a policy in just a few clicks.
What is the minimum travel insurance coverage?
Travel insurance for TCD allows you to solve sudden health issues without stratum of your own funds. The amount of insurance coverage specified in the contract is maximum size payments that can be paid by the insurance company for the treatment of the client, if the specified insured event occurs. The amount of insurance coverage depends on many factors, but first of all it is the host country. Thus, to obtain a visa to the countries of the Schengen Agreement, medical insurance in the amount of at least 30 thousand euros is required - that is, 2 million rubles. The same applies to the CIS countries, Cyprus, Greece. In the USA, Australia, Canada and other countries, you should take out insurance in the amount of at least 50 thousand dollars. Also, the minimum cost is affected by the length of stay on vacation (from a few cents to several dollars a day), the type of policy (it can be one-time or multi), types of vacations intended in the host country, as well as the age of the tourist - for the older generation, the risks are much higher , which means more cost. At the same time, experts recommend choosing a greater coverage of insured events, sparing no expense for your health.
What to do when it comes insured event?
Most frequently asked question, which tourists ask: “An insured event has occurred, what should I do?”. When planning a trip abroad, carefully read the terms of the insurance policy: check with the consultant everything that raises questions. Be sure to write down the number of the assistance company that will manage your actions, the actions of the insurance company and the hospital.
An insured event abroad implies an immediate call to the insurance company by calling the numbers indicated in the insurance policy. The order of the following actions differs from case to case, but in general it always includes the following steps:
When contacting the service department, provide such data as name and date of birth, insurance policy data, territorial location and details of what happened. Also worth leaving contact number for communication.
The types of insured events for which you can apply to the insurer are indicated in your policy. An insured event abroad does not include exacerbation of chronic diseases and diseases diagnosed before the trip, as well as alcohol intoxication and damage to health due to non-compliance with safety rules by the insured himself.
What insurance coverage do you need to get a visa?
For different countries There are different insurance coverage thresholds. So, for the countries of the Schengen agreement, the minimum amount of insurance for a visa is 30 thousand euros - that is, 2 million rubles. The list of countries includes:
etc. Also, insurance to the Schengen countries should be valid for the entire duration of the trip in all countries of the agreement, and it should include a basic set of services - a doctor's call, outpatient and inpatient treatment, payment for medicines, transportation and telecommunications costs.
If you are planning a trip to the USA, Australia, Japan and other countries of the Caribbean and Oceania, the medical insurance for a visa must be at least 50 thousand dollars, which is about 3 million rubles. The fact is that for a smaller amount you simply cannot get decent medical care. At the same time, an insurance policy is not required to travel to these countries, however, if you need medical assistance, you will have to pay bills out of your own pocket - and this is an expensive pleasure abroad.
Who may need TCD insurance?
First of all, travelers themselves need an insurance policy. Anything can happen while traveling abroad, so free medical care may be required. A VZR policy can provide it. Depending on the set of options and the chosen type of policy, it will cover the loss of luggage, flight delays, etc.
