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Medical insurance. Cases from travel experience
What were the real insured events? I do not need advertising or anti-advertising, the very order of actions of a tourist is important.
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Answers • 45
The procedure in case of an insured event is written in your insurance policy.
There is also a franchise.
There is also a franchise.
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answered 5 years ago
Well, I had an accident in Ecuador. The procedure is written in the policy. I called the hotline and explained the situation. I probably waited for two hours until they told me which hospital to go to in the middle of the night. Went and inspected. I bought medicine. Everything.
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answered 5 years ago
There is only one procedure - call the number indicated in your policy, and do what they say.
In Turkey, water got into my ear when I was diving, otitis media developed, fever, pain, I called the insurance company, they said to wait. An hour later, an ambulance arrived, took me to the emergency room, put me on the couch, the doctor dripped my ears, then washed them, gave some medicines, and drops for the ears, told me how to drip. He said to wait for the car to come and take him back to the hotel, but since the hotel was not far away, I refused and walked.
My son had a cold, the same thing - they called, they sent a car for him, took him, listened, gave him medicine, told him how to be treated.
A colleague had kidney stones inflamed, called, he was admitted to the hospital with acute pain, he had to miss the plane, and for 4 days they were treated, put on his feet and he flew home.
Sometimes insurance companies say that you buy medicines that they prescribe for your own money, and they will return the money at home - yes, they do.
In Turkey, water got into my ear when I was diving, otitis media developed, fever, pain, I called the insurance company, they said to wait. An hour later, an ambulance arrived, took me to the emergency room, put me on the couch, the doctor dripped my ears, then washed them, gave some medicines, and drops for the ears, told me how to drip. He said to wait for the car to come and take him back to the hotel, but since the hotel was not far away, I refused and walked.
My son had a cold, the same thing - they called, they sent a car for him, took him, listened, gave him medicine, told him how to be treated.
A colleague had kidney stones inflamed, called, he was admitted to the hospital with acute pain, he had to miss the plane, and for 4 days they were treated, put on his feet and he flew home.
Sometimes insurance companies say that you buy medicines that they prescribe for your own money, and they will return the money at home - yes, they do.
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answered 5 years ago
Thanks everyone for the replies!
Fancase, I have documents, I know how to read, I did not ask the theory, but how it happens in practice. I heard stories from friends that it’s difficult to get through or no one answers the phone, and insured events are different (banal examples, stepped on a piece of glass, shoulder dislocation, a sharp rise in temperature, an injury from a hedgehog or fish) and what to do if there is no time to wait a response from a consultant?
Fancase, I have documents, I know how to read, I did not ask the theory, but how it happens in practice. I heard stories from friends that it’s difficult to get through or no one answers the phone, and insured events are different (banal examples, stepped on a piece of glass, shoulder dislocation, a sharp rise in temperature, an injury from a hedgehog or fish) and what to do if there is no time to wait a response from a consultant?
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answered 5 years ago
A real case in Turkey, a guy from the company stepped on a stone on the beach and got injured, they quickly got through to the insurance company, the doctor came and took him to the hospital. X-rays, tests and examinations by other doctors, medicine - everything is free. The injury was minor, they let me go to the hotel in a few hours. The doctor came for 4 more days to check the condition.
Everything is free, insurance was without deductible
Everything is free, insurance was without deductible
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answered 5 years ago
kypbox2016
"And what if there is no time to wait for a response from a consultant?"
1. Contact the hotel reception to provide first aid. 2. Take to the hospital, ask for documents on payment for services. 3. Contact your insurance company for reimbursement.
In practice: not an insured event, a bruised leg on ATVs with a suspected fracture. Fortunately, the representative of the TO, who sold us the tour on personnel, was at the hotel. I called the doctor and they took him for an x-ray. There is no fracture. Paid 50 dollars. for a taxi and x-ray. It was a normal tour. insurance that does not cover extreme entertainment.
"And what if there is no time to wait for a response from a consultant?"
1. Contact the hotel reception to provide first aid. 2. Take to the hospital, ask for documents on payment for services. 3. Contact your insurance company for reimbursement.
In practice: not an insured event, a bruised leg on ATVs with a suspected fracture. Fortunately, the representative of the TO, who sold us the tour on personnel, was at the hotel. I called the doctor and they took him for an x-ray. There is no fracture. Paid 50 dollars. for a taxi and x-ray. It was a normal tour. insurance that does not cover extreme entertainment.
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1.5
answered 5 years ago
if this is not a typical tourist country, or you buy insurance on your own (not a tour package), make sure that your insurance partner has a partner in the country where you are going (i.e. having a direct phone number)
I had a case when the insurance did not help at all with a very complex injury, although sports insurance was purchased. And more than $300 was spent on roaming, although for friends from another country, the insurance responded perfectly. So, a lot depends on the choice of the SC.
if you have insurance already in the package, then there is nothing to worry about at all. If the insurance comes! case, the algorithm of actions has already been described to you above.
I had a case when the insurance did not help at all with a very complex injury, although sports insurance was purchased. And more than $300 was spent on roaming, although for friends from another country, the insurance responded perfectly. So, a lot depends on the choice of the SC.
if you have insurance already in the package, then there is nothing to worry about at all. If the insurance comes! case, the algorithm of actions has already been described to you above.
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1.5
answered 5 years ago
Yes, you should definitely read about a partner in a particular country where you are going. You can’t give a link, but here everyone is already in the know, on the forum whose name you can see detailed information on assistance.
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answered 5 years ago
There was an experience, but we turned to the hotel guide, and he already helped with further appeals to the doctors (this is as an option to the above described, the guides always warn about this).
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1.5
answered 5 years ago
I had a case ... oh ... it’s creepy to remember ...
In Egypt, early in the morning on the beach, she lost consciousness, from a sharp drop in pressure, as it turned out. The hotel doctor provided urgent assistance! Under a dropper, when I woke up, they themselves called the guide, he called the insurance company. Everything was compensated.
And most importantly, the insured event is not considered as such if you have consumed alcohol.
In Egypt, early in the morning on the beach, she lost consciousness, from a sharp drop in pressure, as it turned out. The hotel doctor provided urgent assistance! Under a dropper, when I woke up, they themselves called the guide, he called the insurance company. Everything was compensated.
And most importantly, the insured event is not considered as such if you have consumed alcohol.
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answered 5 years ago
Well, there the wording sounds a little different - if the insured event occurred in a state / due to alcohol intoxication (something like that). And plus, different insurance (or insurance rates) have different conditions, somewhere it covers injuries due to intoxication.
In short, I drink alcohol on vacation on an ongoing basis, but specifically when examining for pharyngitis, otitis and conjunctivitis, the doctor did not care at all how much alcohol I consumed.
In short, I drink alcohol on vacation on an ongoing basis, but specifically when examining for pharyngitis, otitis and conjunctivitis, the doctor did not care at all how much alcohol I consumed.
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answered 5 years ago
Yes, insurance usually does not cover extreme types of recreation - diving, surfing, quad bikes, mountain climbing, drunken fights with locals :)
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answered 5 years ago
kolyan_cat, there is sports insurance for this (except for fights and literball;)
in my case, the courts with the insurance dragged on for a little over 3 years
in my case, the courts with the insurance dragged on for a little over 3 years
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answered 5 years ago
I have never heard of an assistant not answering the phone. Perhaps they called from the wrong place.
Used twice, both times in Turkey - trauma and Coxsackie.
With Coxsackie, after calling the assistance, the doctor was in the room in 15 minutes.
In case of an injury after a call, a car from the hospital arrived for the patient in half an hour, took it with them, did everything necessary and brought it back to the hotel.
In the first case, they paid a franchise of $ 15, the insurance was weak, from a tour operator.
Used twice, both times in Turkey - trauma and Coxsackie.
With Coxsackie, after calling the assistance, the doctor was in the room in 15 minutes.
In case of an injury after a call, a car from the hospital arrived for the patient in half an hour, took it with them, did everything necessary and brought it back to the hotel.
In the first case, they paid a franchise of $ 15, the insurance was weak, from a tour operator.
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answered 5 years ago
Insurance "Flint",
got through 1 time at the reception for free,
the insurance company called a taxi and took him to the nearest clinic,
paid the deductible, accepted immediately, prescribed medication,
the purchase of medicines and the way to the hotel is not covered by the insurance.
got through 1 time at the reception for free,
the insurance company called a taxi and took him to the nearest clinic,
paid the deductible, accepted immediately, prescribed medication,
the purchase of medicines and the way to the hotel is not covered by the insurance.
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answered 5 years ago
What and where only happened to us and always the principle of action is one-from the reception free call to the insurance at the number indicated in the policy. They always arrived promptly and in the process quickly put me on my feet (usually there were problems with children of a different nature, but once in Greece my husband stepped on a hedgehog). Last year, dad became sharply ill right on the beach (he was resting there with a friend), since there was no friend nearby and dad was unconscious, the neighbors on the beach dragged a hotel doctor who, instead of providing emergency assistance, began to test for alcohol (dad doesn't drink). When a friend came running, they contacted the insurance company and promptly took dad to the hospital. 3 days examined and put on his feet. Everything is clear. A friend with her husband last year upon arrival in Sharm .. her husband grabbed appendicitis, he was operated on, rested for 14 nights, and had time to rest after the operation. In all the cases described above, the insurances fully covered all the costs of treatment. Insurance was in the package
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answered 5 years ago
only call the insurance numbers - and everyone tells you how and what. do nothing on your own
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answered 5 years ago
I understand that you are interested in how insurance works in Egypt. I can tell my "fresh" example from 11/26/2019, everything is like in a joke. I ate mango, in the morning my eyes did not open, there was a lot of swelling. I grabbed the contract and at the reception. They called the hotline number and explained to me in Russian that the deductible in the contract is $ 30 and I have to pay it in the hospital before the doctor's examination, no one will tell me anything without paying the deductible. Transfer to and from the hospital is free. This option did not suit me and I turned to Guest Relation. I was offered to wait for the hotel doctor, who will examine for free and give an opinion whether it is worth going to the hospital and paying $ 30 there or not. The doctor came in 30 minutes and was very surprised at my treatment. It turned out that by his arrival the edema had completely disappeared. I no longer eat mango "heartily" and do not pay for the tour without clarifying the terms of the insurance contract.
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answered 5 years ago
You need to read everything, because in Tunisia I had an insurance contract that did not apply to a number of countries, including Tunisia. And such miracles do happen. And for several years in a row, they managed to sell me a tour to the Maldives without insurance at all. The ideal contract is a contract without a franchise and with coverage of $50,000-$100,000.
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½
answered 5 years ago
Yes, there is a franchise, it was always paid at the first contact. It is very strange that you were told that the hotel doctor advises for free - they do not do anything for free in my opinion. For example, a hotel doctor (the above-described story of dad on vacation in Egypt in April 2019) did nothing to save the life of a tourist (he wanted to find out the level of alcohol in the blood of a person who had lost consciousness - this was a priority for him) demanded payment for his services after.. I think 200 euros ... then a figure sounded, well, at least 50 ... on which he was sent. So it's better to pay a franchise of 30 ye and get the whole range of necessary services.
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answered 5 years ago
Moy_contact, I was also surprised that he conducted the examination and survey for free, in addition, he came up twice during dinner and was interested in whether there were repeated edema. Maybe because he was invited by Guest Relation and explained that I was a regular guest of the hotel. The doctor actually surprised me, he turned out to be intelligent, smart and tactful, speaking excellent Russian.
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answered 5 years ago
Whether or not there is a franchise depends solely on what the tourist chooses, what kind of insurance he buys. For normal insurance companies, even the simplest insurance comes without a deductible. "Batch" insurance from the operator can almost always be safely thrown into the trash.
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answered 5 years ago
Pachok explain why it’s in the trash, if everything works fine (tested on ourselves) for all insured events, we received the most complete assistance, well, if only the franchise was paid, but I don’t consider 30 ye such a large amount in such cases. Somehow I was interested in insurance (I wanted to buy it myself in excess of the package, and after monitoring all the leading insurance companies in Ukraine, I was faced with the fact that insurance was not very cheap, all sorts of age coefficients worked hard there, the country was taken into account and, in general, insurance for one adult came out more than 1000 UAH, and for each child it exceeded 2000 hryvnias, as these are children ... for dad, as he was also more than 2000 hryvnias in age .... why do I need these extra expenses if my package covers everything I need.
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answered 5 years ago
I will add that additional insurance definitely needs to be done in cases where some cases are expected that are not covered by package insurance (extreme, etc.). Since we are not engaged in extreme sports, we have more than a package. True, as it turned out, water parks can also be classified as extreme types of entertainment ...... acquaintances rested in Turkey in a hotel with a water park and the husband of a friend got a leg injury .... contacting the insurance they were helped and at the end the friend says husband "they say no more in the water park," after these words, the doctor said that if the injury was received in the water park, then this case is not insurance and rolled out a full bill for payment. A friend said that the water park was on the territory, the injury was not received in the water park, and so on ... they called the insurance company, the insurance employee talked with the doctor for a long time about something and everything was decided as a result. BUT, we are going on vacation in April to a hotel with a water park (90% of our trips with children are hotels with a water park) and I will now find out this interesting point.
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answered 5 years ago
Why pay a franchise if you can not pay?
The amount of assistance varies. Above, the agent wrote that his insurance did not cover the road to the hospital and medicines, he also paid the deductible.
Your cases could be simple, but if something more serious occurs (pah-pah, of course), restrictions on cheap insurance pop up.
Insurance costs are not that expensive. For a child, exactly the same amount as for an adult, from the age of 2 I draw up for myself and the child. There are coefficients for the elderly, that's true. And older than 70, they don’t insure at all, here the package helps out.
The amount of assistance varies. Above, the agent wrote that his insurance did not cover the road to the hospital and medicines, he also paid the deductible.
Your cases could be simple, but if something more serious occurs (pah-pah, of course), restrictions on cheap insurance pop up.
Insurance costs are not that expensive. For a child, exactly the same amount as for an adult, from the age of 2 I draw up for myself and the child. There are coefficients for the elderly, that's true. And older than 70, they don’t insure at all, here the package helps out.
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answered 5 years ago
My cases were not the easiest. Above, I wrote about my dad (3 days in the hospital - a full range of examinations, with treatment), my friend's husband had an appendix operation (this is not the easiest case at all), my son caught an infection in Turkey in 2016 - he was very ill - they dripped in the hospital, examination and td, put on his feet. I won't go on, this is the most memorable. Ears, and other sores are from the simple.
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answered 5 years ago
Pachok, over 70 years old insured, that's for sure. I arranged for my mother to travel to the states. My mother is 72 years old. An increasing factor is applied.
moy_contakt, about the price of 1000-2000 UAH - this is an obvious overkill. You can check it out on any of the leading companies' websites.
Join works with Ukrfinstrakh, which automatically places an "Active Holiday" and a $ 30 franchise for Egypt.
moy_contakt, about the price of 1000-2000 UAH - this is an obvious overkill. You can check it out on any of the leading companies' websites.
Join works with Ukrfinstrakh, which automatically places an "Active Holiday" and a $ 30 franchise for Egypt.
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answered 5 years ago
I didn’t fly with join up, I don’t know. But according to the VUSO, where I wanted to insure, it was there that they counted similar numbers for me. I filled in the country, age, number of days, and now the numbers were just like that. They offered insurance for 200 UAH in other places, but there just wasn’t any point in taking it, because it wasn’t better than the package one for sure, but in practice I didn’t really want to check its performance. the package was enough for us and fortunately it was not useful to us on that trip. I buy such insurance when we go on a self-tour to Europe. And when buying a package tour, package insurance with a head for a standard vacation without extreme sports.
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answered 5 years ago
V.Zolot exactly. In Providnaya, I once applied for my dad, he was over 70.
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answered 5 years ago
I have a separate travel insurance without a deductible, I just don’t want to read and delve into the intricacies of the action of insurance with a deductible, especially from those insurance companies that choose MOT, which already save on everything
moy_contakt now spend budgets on checking and analyzing employees, if health is so important to you - why can't you buy normal travel insurance for yourself and your family
moy_contakt now spend budgets on checking and analyzing employees, if health is so important to you - why can't you buy normal travel insurance for yourself and your family
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answered 5 years ago
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