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Services of Ingosstrakh. Who used it, is it worth it to insure?
I'm going through Tez-tour. They have insurance through Ingosstrakh for 15 thousand dollars. I usually have two phobias - appendicitis and dentistry. The company said that they do not have a division into dental services, mild and severe cases, etc., as well as there is no maximum amount for which this or that service is provided.
In the reviews, I read horror stories that people under insurance were faced with the fact that dentistry is paid up to 100 euros, and appendicitis is not included in the insurance (though I don’t know which companies it was through) or could not get through to the insurance agent at all.
Who can tell me about the provision of services by this insurance company? Is it worth signing another contract?
In the reviews, I read horror stories that people under insurance were faced with the fact that dentistry is paid up to 100 euros, and appendicitis is not included in the insurance (though I don’t know which companies it was through) or could not get through to the insurance agent at all.
Who can tell me about the provision of services by this insurance company? Is it worth signing another contract?
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Answers • 26
You should personally read the insurance contract, not relying on "the company said." Pay attention to the assistance company, does Ingosstarakh not have Koris? If Koris is a normal assistance.
And it's true that dentistry, even with good insurance, is limited to a certain amount, usually 100-150 euros - only emergency help, ceramic prosthetics for all teeth will not work :)
And it's true that dentistry, even with good insurance, is limited to a certain amount, usually 100-150 euros - only emergency help, ceramic prosthetics for all teeth will not work :)
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3.5
answered 12 years ago
Yes, and you need to call not the insurance agent, but the assistance numbers specified in the insurance contract. The agent, of course, may not answer.
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answered 12 years ago
After purchasing the tour, you should have an insurance policy on hand with a description of insurance cases (several pages of small text). Read it carefully and decide on additional insurance.
Usually emergency dentistry and appendicitis are included in the insurance. Special conditions for risky activities - skiing, scuba diving or, for example, driving a vehicle without a license recognized in the country of visit.
Usually emergency dentistry and appendicitis are included in the insurance. Special conditions for risky activities - skiing, scuba diving or, for example, driving a vehicle without a license recognized in the country of visit.
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answered 12 years ago
In general, you can go to any branch of any insurer and personally familiarize yourself with the contract. At the travel agent, too, in theory, it is possible, but I think it will evade, just in case.
In addition, you can choose an insurer yourself and buy insurance without the participation of the company.
Contracts can be with very different insurance conditions, so you should not rely on verbal promises from anyone - manager, agent or forum member!
In addition, you can choose an insurer yourself and buy insurance without the participation of the company.
Contracts can be with very different insurance conditions, so you should not rely on verbal promises from anyone - manager, agent or forum member!
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answered 12 years ago
When I go to rest with my granddaughter, I definitely take out additional insurance. But it’s impossible for one child, so they insure me too. We insured several times through Ingosstrakh, through TA, where they always help me to do this quickly and without delay. Moreover, my travel agent will find an insurer who offers the best package for less money. God bless - until it came in handy! The cost is low, only 400-600 rubles. for two for the duration of the trip. But there are many additional options: hospitalization payments (even the stay of parents in the hospital with the child), and medicines, and even legal services, and much more. The stumbling block is different: whether your sudden illness is recognized as an INSURED EVENT - this is the most important thing !!! And here all insurers try to cheat!
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answered 12 years ago
So I'm not going to change fillings and crowns for a fool. It's just that if there is an acute pain with depulpation and other "charms", then the sky will seem like a sheepskin - there will be no time for the sea-sun. And as I read the reviews about this company, it somehow became a little bad. So I'm thinking - is it necessary to conclude an agreement with another in parallel, or hope for the best? Can anyone recommend other insurance companies?
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answered 12 years ago
Does the contract include an assistance company? And I've looked all over, but I can't find it. It is written that the insured is Tez-tour LTD. Or is it necessary to call the office of Ingosstrakh?
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answered 12 years ago
Here is the little book, which is the insurance and the contract, should contain information about the offices and telephone numbers of assistance in different countries and their name.
It seems to me that I know WHAT kind of insurance you have ... An ordinary A4 sheet from the Tez-tour with a text of muddy content? If it is IT, then put it in the trash - there is nothing insured.
It seems to me that I know WHAT kind of insurance you have ... An ordinary A4 sheet from the Tez-tour with a text of muddy content? If it is IT, then put it in the trash - there is nothing insured.
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answered 12 years ago
Isn't it better to visit a dentist before a vacation???? Or another specialist if it's a phobia? :))
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answered 12 years ago
Oh, I remember you!!! It was you who, in a good dozen branches, “thoroughly” tried to get to the bottom of dozens of questions and poured pearls in the form of “I “sniffed” this hotel for a very long time!” We went to Insulu, then to Doganay??? Sorry, I'm leaving here :))) Giving advice to gostia is the same as "throwing beads" ...
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answered 12 years ago
That's just the point that I visited the dentist. And the fillings were replaced. But the torn gum hurts and I wind up all sorts of horrors for myself. I understand that it’s stupid, but once I went around 4 doctors with acute pain, 3 of whom assured me that I had “just thin enamel” and refused to take pictures, and the fourth finally took an x-ray and found that the inflammation had already spread to the jaw and the treatment took about a month. So I'm very scared in this regard.
"Regular A4 sheet from the Tez-tour with the text of muddy content?" - uh-huh, it is. I'm thinking - should I go to ROSNO or to Soglasie? And then I have a day left ...
"Regular A4 sheet from the Tez-tour with the text of muddy content?" - uh-huh, it is. I'm thinking - should I go to ROSNO or to Soglasie? And then I have a day left ...
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1
answered 12 years ago
I won’t tell you, I’m in Ukraine, we have other insurance companies.
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answered 12 years ago
PolikSVT Yes, I'll get by without the advice of a person who advises everyone a hotel next to a sewer)))
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answered 12 years ago
Pachok Anyway - thanks. Somehow, I also have little confidence in the tsidulka that they gave me at the travel agency and you strengthened me in the opinion that you need to play it safe somewhere else. As for the reviews for this company...
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answered 12 years ago
gostia, what are you talking about??? Oh yes, you're all "sniffing". I NEVER advise what I do not know personally and for sure .. Or have you been everywhere in person? Or are you confusing something???
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answered 12 years ago
PolikSVT When one person out of 10 says that everything is great, and 9 - that the hotel stinks with sewerage, then this one is either deceiving or has problems with smell.
By the way - what did you forget about this topic? Have you personally used the services of insurance companies in Turkey? Not? Or do you just have a craving in all available topics to be noted?
By the way - what did you forget about this topic? Have you personally used the services of insurance companies in Turkey? Not? Or do you just have a craving in all available topics to be noted?
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answered 12 years ago
gostia, what kind of nonsense are you talking about the hotel "with the smell of sewage" ??? And where are those 9 people who are "against" and I am "for"??? It seems that you yourself admitted that you have never been to Turkey and are going for the first time!!! What kind of raids? In which hotel did you "smell" so much???
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answered 12 years ago
PolikSV and how are your words combined that you have never applied for medical insurance in Turkey and "I NEVER advise what I do not know personally and for sure." )))
DO NOT pollute my topic, plz. )))
DO NOT pollute my topic, plz. )))
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answered 12 years ago
gostia, yes you read the essence of the answer! Fork out for 500 rubles, do not skimp, and you will be happy in EMERGENCY cases !!! You will not read anything else in insurances! As they say, spread the straw. And maybe that’s why I didn’t resort to the help of insurance companies, because I took care of these most EMERGENCY cases in advance, drawing up an additional insurance policy! What and to you on simplicity sincere has advised! And this topic is not "your", here is an open forum! Yours only with ... and in the nose! (may other interlocutors forgive me!) They just didn’t read your previous branches! You can get anyone! Farewell!
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answered 12 years ago
PolikSV Original logic "nothing happened to me because I took out several insurances")))
However, the topic is devoted to discussing cases of applying for insurance, when it does "happen" and the efficiency and quality of the services provided.
However, the topic is devoted to discussing cases of applying for insurance, when it does "happen" and the efficiency and quality of the services provided.
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answered 12 years ago
It is advisable to have a second insurance policy, and PARTICULAR attention should be "paid" to the phrase - FRANCHISE, perhaps that the franchise is "crazy" and it is always paid by the "injured" (if the doctor's services are 200 USD, and the franchise is 500 USD . , then you will pay for the “visit” from your own pocket. The larger the deductible, the cheaper the insurance policy. partner "VISA, M.C. Amereken Expr ..., I use it.
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4
answered 12 years ago
I have a similar phobia with dentistry. Here they are right that usually insurance covers a maximum of $ 200. But I always make myself additional insurance (in addition to the one that the travel agency does). + I include extreme sports there (because I'm a fan of this business) :)
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answered 12 years ago
captain1084
Isn't the amount of the deductible immediately indicated in the insurance policy? At Ingosstrakh it is 30 USD. And they warned about it right away. In "Consent", in my opinion, there is also, but it seems that they can insist that they issue it without it.
Elena25 and dental insurance is indicated in the list of services as a separate item, or only according to the words of the insurance representative?
Isn't the amount of the deductible immediately indicated in the insurance policy? At Ingosstrakh it is 30 USD. And they warned about it right away. In "Consent", in my opinion, there is also, but it seems that they can insist that they issue it without it.
Elena25 and dental insurance is indicated in the list of services as a separate item, or only according to the words of the insurance representative?
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answered 12 years ago