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If the question is, acquire insurance policy or not, going on a long journey for a long time is not necessary, then the problem of how to handle this important document, which he gives the right to rest and which imposes duties, has not yet been clearly resolved. From complaints to the insurance companies by the customer and vice versa. We will try to help not too experienced insurers and list the main mistakes that allow the holders of insurance policies, going to foreign resorts.
What not to do the tourist
First of all remember the "rule of tourist №1": no one - neither the guide nor the senior group on tourism, much less at the doctor - do not give your passport and insurance voucher. The fact is that in recent years in many holiday countries (especially in Cyprus and Turkey) has extended insurance fraud, which is based on the fabrication of fake foreign medical histories - in order to obtain unwarranted payments from insurance companies. After parting with the insurance policy, you are an accomplice may unwittingly be a criminal offense of fraud and later be held liable.
Notify the registration data for your insurance is only necessary operator "Assistance Service" or the attending physician. Also, you need to copy the information from the policy (his phone number, and representatives of the insurer in the resort), so that in a case of loss or destruction of this important document is not to remain without medical protection. If your insurance voucher that ever happened, you should immediately notify the insurance company. And of course, make sure your documents. They, like valuables, can be put in a safe if you are in the hotel. Documents are best stored and transported in a bag, for example, Travel Neck Wallet with RFID Blocking 2 - in - 1. It's small but compact. It is convenient to use. It can be worn around the neck or Spaulders. Cord length can be adjusted individually. In this bag, you can put the passport, keys, cards, money, documents and tickets, phone, sunglasses, camera. To ensure the safety of your documents, you can carry the bag under your clothes. It has several pockets, some of them with velcro and zipper. There is a pocket for identity cards. It is the best option for travel.
"Rule number two" states "never neglect the services of" Assistance Service "This means that in a case of sudden illness correct the tourist behavior of the algorithm is as follows:. First, apply to the operators' Assistance Service", and then go to the specified their medical institution. Do not forget that these calls for insurers are free (this, incidentally, must be indicated in the policy). However, very often the travelers, feeling unwell, in a panic rush to the hotel doctor. As a result, the victim must not only pay for a doctor in cash but ... and often carry more medical procedures than it takes his disease. often the most harmless diseases like digestive disorders due to overheating in the sun of foreign doctors diagnosed as the infectious intestinal disease (which is much more profitable for the hospital), and tourists following treatment .
If you head to the hospital to which the insurance companies (through the "Assistance service") signed an agreement, you will be under the supervision and legal protection insurance company partners who are interested in the fact that health services are provided to you in a timely manner, efficiently and optimally for volume of a particular disease. In addition, the service "of assistance" if necessary, provides ill interpreter ensures the arrival of relatives or a home evacuation.
"Rule number 3" sounds rather ironic: if you emergency medical care, be sure to inform the insurance company. Here is an example. One of the major clients of the company was in a car accident on the territory of a European state. Humane orders of this country do not allow the victim to throw the foreigner on the street, even if it is not able to produce an insurance policy. The boy was taken to a hospital and operated on, what he just ... forgot to inform your insurer. As a result, after returning home, the young man soon received from a foreign hospital bills intimidating size. Do not pay for it meant forever lose the Schengen visa. And only after that he reported the incident to the insurance company. The problem was that the effect of insurance ends at the opposite border crossing, and no right to compensation for losses the insurer no longer had. So do not forget to timely contact with the insurance company, bearing in mind that life insurance (in most cases) is limited to the time of your stay abroad.
Your safety - in your hands
The validity of the insurance policy in different company defined differently. Sometimes it starts after passing through passport control at your airport, and sometimes - from the moment of crossing the border of a foreign state. That is, it is not necessary that the insurance will cover injuries on board the aircraft. Many dangers and disappointments associated with insurance, waiting for tourists already at the resort - it is worth remembering that not all accidents that can befall you, is insurance. Here are the most common rules of "tourist safety".
Safety in Aircraft
Never help a flight attendant to pour hot drinks. Flight attendants undergo special training to protect themselves and passengers, and your gentleman's impulse can result in burns.
The most dangerous places in airplanes - about pass directly under the wings of luggage boxes. Try not to put their children there because the objects that fell from the boxes at the moment when the plane "falls" in the air pocket could cause serious injury.
The air travel is better not to wear shoes with sharp "stiletto" - if you have to use the emergency inflatable slides, such footwear is able to pierce the rubber trim or injure other passengers.
If the aircraft was in an emergency situation and the flight attendant tells passengers the rules of conduct on board or evacuation procedures, first try to listen to all that you will be told, and then ask questions.
Safety in hotel
Banal, but necessary piece of advice: learn the evacuation plan in case of fire. Believe me, if indeed it ever lights up, you will be neither the strength nor the time to consider this picture detail, and most importantly - the right to navigate the terrain.
Even in the most fashionable hotel the event of theft. And no lock will not be able to protect your money and other valuables from thieves or hotel maid. Please use the paid safe - in this case, the administration, at least, is responsible for the left value.
Water is life. And not only for humans but also for harmful bacteria. About that drink water from the tap in a foreign country is not know, probably, all tourists. But do not just wash under the tap fruits and vegetables - it is better to buy mineral water and use of water, especially if the children have a rest with you.
Security on the beach
As already mentioned, a lot of accidents do not fall into the category of insurance and are not compensated by insurance standard. For example, overheating and sunburn you will have to treat their own expense and with their medicines. The same applies to injuries received during class beach sports, such as swimming on inflatable "banana" riding surfing, skydiving, scuba diving, a game of beach volleyball. Of course, the insurance company can show leniency to their customers and pay for medical services, but according to the rules of insurance (which you signed when obtaining insurance), the insurer is not obliged to do so.
By the way, do not forget that on the rocky seabed there are quite prickly and poisonous sea urchins and if they come, we can be for a few days bedridden.
In short, try to spend their holidays so that all accident STI were only pleasant and none of them turned to the insured event!