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Why such expensive insurance?
I have an Unconditional franchise in my policy from ROSNO - 30 USD for each, i.e. I received 2 pdf documents from the travel agency by e-mail with the same amount in each.
I looked at the websites of Uralsib and Ingosstrakh, for the same typical 8 days in Turkey $15,000 medical and $1,000 additional insurance costs from $6.8 to $8.7. That is, a travel agency (or a tour operator?) “sold me” insurance for two for $ 46 more than the market offers? Probably, the insurer "rolls back" to the travel agency? Will it be reasonable in sl. time to buy insurance on your own?
I looked at the websites of Uralsib and Ingosstrakh, for the same typical 8 days in Turkey $15,000 medical and $1,000 additional insurance costs from $6.8 to $8.7. That is, a travel agency (or a tour operator?) “sold me” insurance for two for $ 46 more than the market offers? Probably, the insurer "rolls back" to the travel agency? Will it be reasonable in sl. time to buy insurance on your own?
Translated automatically from Russian. View original
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Answers • 11
really pricey. I made myself insurance for a month to Turkey with a coverage of $ 30,000 and it came out to me less than 10 euros.
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answered 13 years ago
You can make your own insurance. But usually TAs, on the contrary, make insurance cheaper than individually designed ones. You have a strange and incomprehensible situation. Read carefully the contract with TA and the terms of insurance. Often the amounts grow significantly if extreme sports are indicated on vacation - diving, rafting, etc.
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answered 13 years ago
People! $30 is FRANCHISE! not the cost of insurance.
The deductible is the amount that the insured will have to pay CAM each time they apply for assistance. These are the cheapest and worst insurance. 15,000 medical coverage and 1,000 other things is also very little. For a cold or poisoning, it will do, for a more serious one (injury, surgery, death, God forbid) - go broke with such insurance.
Do not be greedy - if the operator in the package gives you such insurance, go with a decent insurance company, get yourself an additional normal insurance - no deductible, good coverage, emergency dentistry, etc., read the conditions.
The deductible is the amount that the insured will have to pay CAM each time they apply for assistance. These are the cheapest and worst insurance. 15,000 medical coverage and 1,000 other things is also very little. For a cold or poisoning, it will do, for a more serious one (injury, surgery, death, God forbid) - go broke with such insurance.
Do not be greedy - if the operator in the package gives you such insurance, go with a decent insurance company, get yourself an additional normal insurance - no deductible, good coverage, emergency dentistry, etc., read the conditions.
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answered 13 years ago
That's for sure.
A franchise is a generally accepted way to reduce the cost of insurance and increase the liability of the insured. In reality, you paid 4-5 dollars for it. A $30 deductible is a ridiculous amount. Any insured event will cost you at least $100. And only 30 of them will not be returned to you by the insurance company.
Not satisfied with the presence of a franchise - read the Pachok recipe.
A franchise is a generally accepted way to reduce the cost of insurance and increase the liability of the insured. In reality, you paid 4-5 dollars for it. A $30 deductible is a ridiculous amount. Any insured event will cost you at least $100. And only 30 of them will not be returned to you by the insurance company.
Not satisfied with the presence of a franchise - read the Pachok recipe.
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answered 13 years ago
I will share a specific experience, which we have more than any tourist.
We recently had a serious accident with a tourist for the first time in our practice. Accident in Alexandria. While crossing the road, a car ran over. Fracture of the left femur, fracture of the pubic bone. The operation cost $ 8,500, five days in the hospital, accommodation of the accompanying person in the hotel, special. transfer to the airport, Alexandria-Moscow-Kyiv business class tickets for the patient, and economy class tickets for the accompanying person. Special transfer Kyiv-hospital in Kharkov. Coverage of 15,000 dollars was enough, but as I understand it - at the limit.
TEZ worked well - we and our relatives knew about all the events in Egypt. The insurance company performed well. Although it wasn't easy. A tour to Sharm, the police were looking for a driver, doctors sometimes allowed, sometimes they didn’t allow to fly, sit-lie down, strollers, ambulances ... And there was a failure.
The planned flight Moscow-Kyiv was not accepted for the flight - or they booked something wrong or did not agree with the carrier.
As a result, a delay of 6 hours in Moscow. And in Kyiv, an ambulance is already waiting.
So it's not about the $30 deductible.
We recently had a serious accident with a tourist for the first time in our practice. Accident in Alexandria. While crossing the road, a car ran over. Fracture of the left femur, fracture of the pubic bone. The operation cost $ 8,500, five days in the hospital, accommodation of the accompanying person in the hotel, special. transfer to the airport, Alexandria-Moscow-Kyiv business class tickets for the patient, and economy class tickets for the accompanying person. Special transfer Kyiv-hospital in Kharkov. Coverage of 15,000 dollars was enough, but as I understand it - at the limit.
TEZ worked well - we and our relatives knew about all the events in Egypt. The insurance company performed well. Although it wasn't easy. A tour to Sharm, the police were looking for a driver, doctors sometimes allowed, sometimes they didn’t allow to fly, sit-lie down, strollers, ambulances ... And there was a failure.
The planned flight Moscow-Kyiv was not accepted for the flight - or they booked something wrong or did not agree with the carrier.
As a result, a delay of 6 hours in Moscow. And in Kyiv, an ambulance is already waiting.
So it's not about the $30 deductible.
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answered 13 years ago
And before that, there were only colds, cuts, indigestion. From 100 to 400 dollars of expenses.
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answered 13 years ago
An unconditional deductible of $30 is the amount that is not reimbursed by the insurance company. All expenses above this $30 are reimbursed. The deductible allows you to reduce the cost of insurance for the insured, because it makes no sense to pay in advance for something that can happen to you with a low probability.
If you go to a resort with the goal of doing extreme sports every day, then, of course, you need expensive and reliable insurance. Otherwise, it's just a formality.
However, if turist201107 asks such a question, maybe he paid exactly these $30, and they accepted them with joy?
If you go to a resort with the goal of doing extreme sports every day, then, of course, you need expensive and reliable insurance. Otherwise, it's just a formality.
However, if turist201107 asks such a question, maybe he paid exactly these $30, and they accepted them with joy?
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answered 13 years ago
I'm sorry, I got into Wikipedia late, I asked the question on emotions :) Thanks to everyone who answered!
And yet, if I suddenly had a tooth in Turkey and I paid $100 in cash (as agreed with the insurance company), then I will be reimbursed only $70. If the doctor issues a non-cash account, then IMHO he will be paid in full. Moreover, the insurer will also cover the bank costs for the international transfer (about $40). They get a bonus, and we get a deduction. Those. I think it's just the greed of the insurance companies.
And yet, if I suddenly had a tooth in Turkey and I paid $100 in cash (as agreed with the insurance company), then I will be reimbursed only $70. If the doctor issues a non-cash account, then IMHO he will be paid in full. Moreover, the insurer will also cover the bank costs for the international transfer (about $40). They get a bonus, and we get a deduction. Those. I think it's just the greed of the insurance companies.
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answered 13 years ago
"then IMHO he will be paid in full"
No, you will still pay the franchise - $30.
"If you go to a resort with the goal of doing extreme sports every day, then, of course, you need expensive and reliable insurance. "
Drinking singed whiskey in a bar or getting into an accident in a taxi - is it extreme or, after all, can happen to anyone?
No, you will still pay the franchise - $30.
"If you go to a resort with the goal of doing extreme sports every day, then, of course, you need expensive and reliable insurance. "
Drinking singed whiskey in a bar or getting into an accident in a taxi - is it extreme or, after all, can happen to anyone?
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answered 13 years ago
"The franchise allows you to reduce the cost of insurance for the insured"
Huge money can be saved! Dollars 5-6 :))) on a weekly Turkey. Damn ... that's how they argue, and then all the travel forums are full of indignant messages about insurance bastards.
Huge money can be saved! Dollars 5-6 :))) on a weekly Turkey. Damn ... that's how they argue, and then all the travel forums are full of indignant messages about insurance bastards.
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answered 13 years ago
we ran into Turkish medicine and the insurance is no longer only itself through dew, the dentist, dermatologist, gynecologist, allergist is not included in our son’s allergy, he paid a deductible of 30 dollars, and when the doctor looked, he was afraid. the case would have cost 100 dollars for the reception, the injection was even more expensive, I recorded all the conversations with the insurance agent and the representative of the clinic on the recorder, and I told them about it, because of my profession, I understand a little, I’m a lawyer and immediately the agent warned that upon arrival we would sort it out. Take a more serious approach to medical insurance, I also did it from Ingostrakh, but not a single insurance company insures against disasters from wars that have begun, and so on. we had a sad experience and it doesn’t pull to Turkey anymore
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answered 13 years ago