While purchasing policy
Note the exceptions provided by insurance contract
Pay attention on the insurance program to know the limits and conditions for coverage of different types of medical care
If during your trip you are planning active recreation, sports (including extreme sports), be sure to inform the insurer about this in order to guarantee coverage of medical care in case of an injury.
Before the trip
To avoid additional costs abroad it will be useful to take a First-Aid kit with medicines on the diseases that are not covered by the insurance policy
Carefully examine the insurance policy. To apply for medical help you will need to tell:
- policy series / number
- the area of the policy
- insurance duration
- insurance program
Find the right information on the policy in advance - it will help to reduce the time and cost of telephone conversations with assistance company
Ways of communication
Ways of contacting the insurance company are indicated on the insurance policy or on the website of the insurance company
During the trip
The area of the policy
Insurance policy with the territory of coverage "Schengen" is not valid in some countries of the European Union!Read more
If you are planing to work, to practice outdoor activities or sports it is necessary to pay an additional coefficient. It increases the cost of insurance, but guarantees the medical care coverage in case of injury.
Ask agent limits and conditions of different types of medical care coverage. Some insurance programs do not include dental care, outpatient treatment or medicines.
The annual policy is usually valid for 90 days during the year. In this case if your total trips duration exceed 90 days, your policy is invalid.Read more
Purchasing online insurance
The insurance policy purchased online takes effect after 3-5 days from the date of issue. Purchasing online insurance after the insured case has taken place is a violation of the insurance contract.