Не все из нас знают, что страховка — это не простая формальность, а очень важный компонент «туристического чемодана», поскольку может помочь в самой сложной ситуации, в частности, при проблемах со здоровьем в поездке. Благодаря правильному выбору туристической страховки можно избежать возможных неприятностей во время путешествия.
В чем смысл туристической страховки?
Страховка туристу нужна только для одной цели : решения возможных проблем со здоровьем в путешествии. Если, например, в Украине и странах СНГ большинство вопросов можно решить в «ручном» режиме (только надо не забыть отложить на это деньги и взять их с собой), то в странах Европы, США или Китае надеяться на такой вариант не приходится. Более того, при оформлении визы в любую из стран, у Вас обязательно потребуют страховку.
Как работает туристическая страховка?
Принцип действия туристической страховки прост: страховая компания берет на себя обязательство по организации и оплате медицинской помощи страхователю в случае возникновения проблем со здоровьем во время путешествия. Возможен и другой вариант, когда страховщик компенсирует клиенту затраты на лечение, который тот понес, пребывая в поездке. Необходимо понимать, что организацией медицинской помощи занимается не сама страховая компания, а ее партнер служба туристического ассистанса, в которую обращается застрахованный при наступлении страхового случая.
На что обратить внимание при покупке туристического полиса?
Сразу скажем, если вы путешествуете по путевке или в сопровождении туристического агентства, то, скорее всего, ваш вопрос со страховкой уже решен. Как правило, решен формально, для получения визы в посольстве. Но это отменяет необходимость разобраться в нюансах. Многие мои друзья и коллеги по страховому рынку покупают страховой полис для путешественников самостоятельно вместо или в дополнение к тому полису, который уже входит в пакет от туристической компании.
5 советов путешественникам от страховщика
Совет 1. Проверьте, соответствует ли страховка выбранной стране поездки.
Если вы получаете визу, обязательно узнайте в посольстве список аккредитованных страховых компаний. Если страховщика нет в списке его страховку не примут.
Совет 2. Выберите правильный тип полиса.
Очень важно выбрать правильный тип полиса, исходя из регулярности и длительности ваших поездок заграницу в течение года. Самое простое решение это единоразовый полис на конкретное количество дней. Идеальное решение для тех, кто едет просто в отпуск. Но также существуют полисы, которые покрывают определенное количество дней путешествий в году, независимо от того, когда вы отправитесь заграницу. Есть и «безлимитные» решения путешествовать можно целый год, и страховка будет действовать. Естественно, такие варианты будут дороже, но для заядлых путешественников это вполне оправданно тем более не нужно при каждой поездке думать о покупке страховки. Например, один из наших постоянных клиентов в среднем совершает 20-25 поездок в год, каждая на 3-10 дней, включая работу за рубежом и отпускные туры. В этом случае без годового полиса не обойтись!
Совет 3. Обратите внимание на сумму страхового покрытия.
Она устанавливается в евро или долларах. В рамках этой суммы страховая компания обязуется оплатить назначенные лекарства, а также медицинские услуги, оказанные Вам медицинскими учреждениями и специалистами. Как правило, при путешествии в страны Евросоюза, стандартная страховая сумма, которую требуют посольства при выдаче визы, составляет 30 тыс. евро. У нас в «UTICO» есть своеобразный принцип чем более экзотична и отдалена страна, в которую едет клиент, тем более существенную страховую сумму мы ему предлагаем. Например, при поездке в Таиланд или Мексику есть смысл выбрать покрытие в 60 тыс. у.е. Зачем? Потому что получить качественное медицинское обслуживание в этих странах непростая и очень недешевая задача. В Интернете можно найти много кейсов от бывалых туристов, которые столкнулись с этой проблемой.
Кроме самой страховой суммы, стоит помнить и о франшизе. Франшиза — это часть затрат на ваше медицинское обслуживание, которую не будет оплачивать страховая компания.
Так, если в Вашей страховой программе предусмотрена франшиза 50$, а в местной больнице Вам оказали услуг на 200$, то страховая компания компенсирует только 150$.
Чем выше франшиза, тем дешевле страховка очевидная закономерность. В страховых программах для туристов от компании «UTICO» франшиза обычно не применяется!
Совет 4. Поинтересуйтесь, от чего именно Вас защищает страховка.
Для этого надо детально проконсультироваться с менеджером, а еще лучше внимательно прочитать документы, которые Вам выдадут при оформлении полиса. Есть четкая зависимость чем дешевле страховка, тем меньше проблем со здоровьем она покрывает.
Самые дешевые варианты предусматривают только экстренную медицинскую помощь и устранение болевого синдрома. Очень советую отдельно ознакомиться с разделом
«Исключения» в Вашем договоре страхования, чтобы понимать, в каких случаях страховка не работает. Например, если Вы едете в отпуск на горнолыжный курорт и планируете кататься травмы при занятиях спортом не должны быть в списке исключений! Серфинг, рафтинг, парашютный спорт, дайвинг, катание на лыжах обо всех экстремальных планах надо рассказать страховщику и расширить стандартный полис нужным Вам покрытием.
Совет 5. Не пренебрегайте дополнительными сервисами и программами.
Полноценная программа страхования, кроме медицинских услуг, предусматривает покрытие затрат на переводчика, расходы на телефонные звонки в ассистанс и другие важные опции. Так, если Вы путешествуете с детьми, важно, чтобы в страховку была включена опция оплаты перелета для Вашего ребенка, если вдруг Вам придется лечиться за рубежом, а детям придется вернуться домой раньше, чем Вы завершите лечение.
Также в туристическую страховку можно включить дополнительные опции, а именно:
Страхование от несчастного случая. Предусмотрена дополнительная фиксированная выплата при получении травмы или наступлении инвалидности
застрахованного в результате несчастного случая Страхование багажа. Багаж туриста по время перелетов и не только может быть утерян именно в таком случае поможет данная опция. Стоимость багажа будет возмещена страховой компанией Страхование от невозможности осуществить путешествие. Если Ваша поездка отменна по причинам, предусмотренным договором страхования, Вам возместят ее стоимость. Типичный пример это проблемы туриста со здоровьем или отказ посольства в выдаче визы без пояснений.
Если Вы едете на своем авто, важно не забыть про «Зеленую карту». Это аналог нашей украинской «автогражданки», обязательное страхование ответственности автовладельцев. Если заграницей украинский водитель станет виновником ДТП, то страховая компания возместит ущерб потерпевшему лицу вместо него. Впрочем, без «Зеленой карты» никого из наших сограждан не пропустят на границе.
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Frederick Clive McComb, Chief Superintendent, Royal Ulster Constabulary.