Absolutely all countries that have signed the Schengen agreements, and other states require a special medical policy (insurance) for registration of the entry document.
In the absence of insurance, the likelihood of a possiblerefusal, for example, in obtaining a European visa, increases many times, because this is a guarantee not only for the host country, that in the event of an emergency, a person will not remain without pay in a medical institution, but also for the tourist himself, in the event of an unforeseen situation related to his health, he will not have to worry about the cash payments for service in the hospital.
Choosing an insurance company
To date, insurance for a visa can beformalize in any company that provides such services, the benefit of the list is so great that you can get lost. Usually in every city you can find offices and representative offices of various medical organizations offering a variety of policies with different amounts of coverage. And in order to choose the right insurance for a visa, one important point should be borne in mind: every insurance company in Russia can not create at least a representation of the European Union in all countries, so they sign agreements with foreign companies that become their partners or assistants (assistance ).
In this regard, tourists should pay attention toit is on the partner's office, as the service of medical insurance for the visa will depend on the good and high-quality work of the assistant. Beforehand, you need to carefully read all the information about the international office. Today the most famous is "Koris". Many Russian insurance companies conduct business with it, which are in the top among customers.
Competently designed and issued insurance forvisa will avoid further problems with its primary activation and payments. Trust is necessary only for well-established companies that have received accreditation from the embassies of those countries in which there are partner offices. Therefore, for a more reliable choice, you can go to the website of any embassy and look for a list of companies that issue health insurance for a visa.
Types of insurance for the Schengen zone
When planning a trip to countries,who signed the Schengen Agreement, it is worthwhile to know that insurance for a visa can vary on their medical coverage. For example, there are those who work exclusively in case of accidents, in emergency situations and presume only first medical aid; there are policies covering a wide range of medical services, even dental treatment and so on.
Insurance programs vary, accordingly, and the types of insurance for the Schengen visa also differ from each other. Consider the main programs:
- Type A.This insurance provides a guarantee of receiving 100% emergency assistance in case of emergency or with sudden exacerbation of symptoms present at the time of rest or travel of the disease.
- Type B. It is acquired by people who want to protect themselves from the above cases included in category A. Moreover, this insurance allows you to include third party maintenance, medical care, and even pays all expenses for return to your home country before the term established by the citizen.
- Insurance for type C visa includes the entire listservices provided for the two programs described above, and also provides all financial costs for repairing the vehicle and applying for qualified legal assistance.
Requirements for medical insurance for the Schengen area
If the insurance policy has several programs, thenThe usual medical insurance for traveling abroad should contain several mandatory items. After all, for example, to enter Bulgaria, insurance for a visa is checked directly at the border by customs officers. Workers who miss a tourist must ensure that all laws in force in their country are observed.
So, what kind of insurance is needed for a visa to another country:
- Its validity period should be equal to the expiration date of the visa to which the citizen applies.
- Its design should take place without a franchise.
- The minimum insurance coverage for a Schengen visa is thirty thousand euros.
- Coverage area - all countries participating in the Schengen agreement.
- It is obliged to ensure the provision of all services in case of emergency incidents, including cash security for the return home and the cargo of two hundred.
If the applicant has purchased cheap insurance forSchengen visa, which does not have at least one item in the provided list of services (usually there is no repatriation), then the questionnaire of a citizen in the consulate will not be examined and workers will have the right to voice a refusal to obtain a visa.
It is to avoid such cases thatto specify in advance what requirements the embassy is demanding. For example, at the moment the Baltic countries, the French Republic, Switzerland, Finland, the Czech Republic require visas for their embassies to be printed out. The other consular departments of the countries of the Schengen zone assume the filling of counts in insurance by hand. But the Embassy of Denmark has separate conditions under which tourist insurance for a visa must be valid for more than fifteen days than the final date of the visa. This is done in case of unforeseen circumstances, when a person enters a medical institution for a long period, which can exceed the tourist's scope of the tour. The same thing happens in the case of insurance for a visa to Poland: the Poles require it to be issued with a large stock of days.
Cost of registration
Every single insurance has its owna certain price. The cost of insurance for a visa is calculated taking into account, first, the amount of coverage, and secondly, the duration of travel. Usually the countries of the Schengen Union ask that such an amount be not less than thirty thousand euros or fifty thousand American dollars. With respect to the validity period, most often a match is required with the days of the proposed trip or it must be extended for fifteen days after its completion (in case of an emergency and inability to fly on time).
Usually the intentions of the traveler determine the formmedical policy. So, for example, if a person goes on an ordinary trip with tourist purposes, then the usual standard insurance will do. Most often in such insurance it is clearly stated that when an injury is received due to an extreme sport, the firm will not pay for the treatment.
Plus a similar policy - it's his price, becauseThe cost of insurance for a visa and a trip for two weeks will be some twenty euros. But in the case of trips to the mountains, especially in the winter season for popular ski resorts, the amount, of course, will increase.
Where to apply for insurance for a visa
Modern realities allow people to practiceregistration of insurance without leaving home. But in addition to all, to obtain the necessary document, a citizen, together with a foreign passport, can appear directly to the office of the insurance company itself. In addition, the staff will have to specify the time of travel.
The procedure for arranging insurance for travel forThe border of the state is almost everywhere standard, regardless of what country a person wishes to visit. However, for general information the employee also contributes information about the country, the city and the purpose of the trip. All "red tape" will take no more than fifteen minutes. You need to pay on site with cash or a plastic bank card. But before payment it is necessary to re-read all conditions on which the company insures the individual. Suddenly he chose the wrong kind?
To apply for a policy online,To register on the official website of the company and personally enter the necessary personal data, as well as all requested information about the trip. This is an absolutely simple procedure. Payment is also made online with the help of any bank card or other modern methods, for example, with an electronic wallet.
Insurance for travelers to work abroad
Usually, for example, as in the case of insurance fora visa to Germany, drawn up under a working agreement, the employer himself is engaged in the preparation of a medical policy, since he is primarily concerned about the stay of a foreign worker in good health. In general, all countries that have signed the Schengen Agreement, as well as Israel, the Czech Republic and Estonia have approved the registration of such insurance at the legislative level. There are also countries where entry is allowed not only with the presence of a visa and insurance, but also with a certificate of vaccinations made in advance. Typically, such countries are African states.
A visa without insurance is, you can say, moneyto the wind, since no one knows what can happen to us the next day. When leaving for another country to work, a person can not imagine how local food, climate and especially the customs of the indigenous people can affect his health. For example, in the Indian territory there are microorganisms that do not occur in the Russian Federation and, if ingested into the human gastrointestinal tract, can cause severe poisoning with an unceasing liquid stool.
Plus, to perform work duties, they usually leave for a long time, in contrast to rest, and in such an environment a person will somehow have to exist.
What is Covered by Medical Insurance
Insurance for both a work visa and a tourist applies to the following:
- A simple examination of the doctor and first aid in case of illness or accident.
- Any medications prescribed by a doctor.
- Fixing devices, antiseptic drugs, bandages, gypsum and so on.
- Transportation of the patient to the hospital.
- Passage of treatment in the inpatient department.
- If you need urgent treatment for dental care, the insurance undertakes to cover this case.
When treatment in the hospital exceeds ten days,the foreigner has the right to call one relative at the expense of the insurance company. It will provide not only a ticket for the plane, but also its accommodation. Therefore, the standard question of going abroad, if there is a visa, whether insurance is needed, after such a description automatically disappears.
If a person needs urgentreturn to the homeland during the performance of work duties, the company will pay for this flight even for an accompanying person. Such situations arise when the specialists of the host country can not provide a full range of medical services for the patient, for example, perform an operation.
When a person dies while in the country byworking reasons, the insurance will cover his return. Plus, such "working" medical policies also apply to children: in any of the above cases (illness or death), the company undertakes to send children home with an accompanying person.
If a citizen is lost, for example, he does not findreturn way from the forest during a walk or hike for mushrooms, then at the expense of the medical company that issued the insurance, search operations will be carried out.
Considering the fact that an ordinary visit to a therapist abroad can cost eight hundred dollars, it is worthwhile to understand the seriousness of having "working" insurance.
Cost of insurance for a working trip
Sometimes insurance for traveling on workersduties are issued in the home country together with the visa. However, most countries adhere to the concept of insurance by the employer already in place, for example, Turkey.
The cost will depend on how longthe person goes to work. The longer, respectively, the greater the risk of catching a cold or getting injured. But in terms of price will work the principle: the longer, the cheaper, because the policy is calculated daily.
Also, the price will be affected by the overall pricepolicy on medicines in the country, doctor's consultations and transportation. For example, in Switzerland with this everything is strict, the call of the ambulance must be paid. Moreover, the price will depend on the work performed by man. After all, it's one thing if a foreigner came to perform office assignments, and completely different if he was employed by a team of rescuers, divers or mountain instructors. The latter professions have higher risk levels, and therefore the coefficient on them will be increased two or three times. For example, for an office worker, a policy per day will cost one dollar, and for a person with a dangerous profession - two or more.
In the presence of duties related to risks,usually a service consisting of rescue works is added, this certainly increases the total price of insurance. For example, a person works at great depths with a diver, so, in addition, searches will be carried out underwater, perhaps a pressure chamber will be needed to save it, the use of which can cost up to two hundred dollars per hour. And in the event of an emergency in the mountains, an airplane equipped with medical equipment will cost fifteen thousand dollars.
Such risks are taken into account by raisingcoefficient to four and above. It follows that the average amount for daily insurance also increases. But for ordinary people engaged in simple duties without the presence of danger and threat to their lives, insurance will be more expensive than for tourists. In the latter case, the smallest coefficient is used, according to which one day equals approximately sixty-five cents. In any case, each situation is individual and much depends on the person himself, on his choice in favor of various additional services, because the maximum coverage sometimes starts from fifteen thousand dollars and can reach one hundred thousand.
Exceptions for insurances for workers traveling abroad
Despite such a sweep among the coatings,some factors insurance can not take into account. Being abroad and performing work duties, it is worth remembering that it is worth living without violations of generally accepted norms of behavior, because the company will not pay for treatment in the hospital if it is necessary, for example, due to a car accident, the culprit of which was the person himself, being in the alcoholic intoxication. Other examples are hooliganism, looting and other deliberate violations of the legislative law of the host country. In these cases, when getting injured, the citizen will have to be treated at his own expense.
Insurance companies also ensure thatcases were not deliberate "pumping" money. This can happen by collusion with a friend or another person. The usual scenario is this: several injuries are inflicted and a convincing story is compiled. The same subject extends to cases of attempted suicide.
The following exceptions to the rules of freetreatment are - non-observance of warning signs, inscriptions in places where it is possible to inflict harm on one's health. Such areas are usually Cuban beaches in August. During this period, rescuers deliberately expose red flags throughout the coastal territory, signifying a danger and a ban on bathing. And all because in August a huge number of animals come to the coast of Cuba under the name of Portuguese boats, which with the help of their tentacles greatly sting anyone who touches them. Their length can reach up to fifty meters. Such familiarity often results in death or painful paralysis. By the way, it is also dangerous to attack a dry fisal, in spite of the fact that it is small in size, the burn can leave very deep. The leg swells to an incredible size.
And a very important point is the rejection ofcompensation for damage if there are military actions, strikes, riots, revolutions, serious infectious epidemics that require mandatory quarantine upon arrival in the home country, natural disasters and global natural disasters.
What if there was a disaster during the trip?
What if the trouble crept up unexpectedly? Where to call, where to run? Such a question usually does not arise before the commencement of the trip, but during the travel, after panic, it is possible to understand that the main point is missed - information about the provision of medical services on the insurance policy. Therefore, when registering insurance, a foreigner traveling abroad must ask for all the details about his first actions in the event of an emergency.
So, what is the order of the action:
- In the first place, a citizen needscontact the representative of the company of the assistant, who was mentioned at the very beginning of the article. All phones and other contacts must be listed among other information on the insurance or in a separate information booklet.
- These intermediary companies usually haveround-the-clock support line. First of all, they speak English in an international language, but usually a multilingual staff is recruited, and when you call, during the announcement of the interactive menu, you can choose the one that the victim best understands. But the purchase of a banal phrase book of the country, in which people are sent, will be useful. On the availability, for example, of a Russian-speaking employee in the call-center of the receiving side of the insurance company, you have the opportunity to find out when registering insurance.
- Further, the worker of the assisting company will tellall subsequent actions in connection with the current situation - in which hospital to apply (this is very important, as often companies cooperate with different medical institutions), explain how to get there, and so on. If the case suffers, then the manager himself can agree on a meeting with the doctor, and the patient will need only to arrive at the necessary day and time.
- If the resulting injury or the beginning of the pain is nottolerates, then it is worth immediately contacting any hospital nearby. In this case, you will have to pay for all services provided, but you must always keep the checks and receipts issued. When the worst is left behind and the pain subsides, you should contact the assisting company's employees and tell in detail about what happened, including what receipts the patient has on hand. In this case, upon presentation, the insurance company will reimburse all expenses.
During the entire trip abroad, the policy mustbe with a citizen, so that you can always use it. It is very important that both the tourist and the potential employee who travels to perform his duties outside his native country understand that the medical policy is primarily necessary for him, not for the consular department or for the border guard. Insurance will always give confidence in security.