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04.11.2019
1755
This article will be useful for those who are choosing insurance for the first time before traveling to Europe. We answer a number of popular questions about a medical policy and tell you how to choose one. Let's start with the questions that most often arise before finding your first insurance policy:
We answer right away - they will be allowed. Life and health insurance is the responsibility and concern of the traveler personally. They may ask about the availability of insurance, but with a probability of 99 % no one will clarify this point. After all, if an insured event occurs and there is no insurance, then you will have to pay. So without this document you will be allowed to enter Europe, but for your personal safety it is better to spend a few hundred hryvnias and still buy a policy.
It all depends on the type of policy, validity period, and countries of validity. Prices start from 50 hryvnias and go up to several thousand hryvnias. In your case, if you need medical insurance in European countries for 1 year, then a good policy will cost approximately 500 to 900 hryvnias.
The chances of falling for scammers on the Internet are no more than in real life when buying a paper policy. Just read reviews about the company before buying and check the details.
No, it is not necessary. You can just keep it on your phone during your trip. Also, you need to read the contract when you buy the policy, learn what it covers and what it does not. We will talk about this in more detail later.
Medical insurance covers the costs of treatment in another country, if necessary, during an accident. Then you will be covered for the costs of:
But, there is a limit to all this: 30 thousand euros. It can be increased to 50 thousand euros if desired, but before purchasing the document (after that, there is no such option).
There are also cases when the insurance company may refuse to reimburse the costs of treatment. This can happen when:
The easiest way to choose and buy a document is online. You don't even need to go to all the websites of popular companies. You can use one website, an insurance service, which collects information about all popular types of insurance.
The insurance service has a calculator where you can immediately calculate the cost of the document. To do this, you need to enter data about your trip: number of people and age, duration of the trip, country or countries. You will be offered a list of companies to choose from: with different prices and customer reviews.
We recommend selecting only those companies that have the highest reviews. And from them, choose the most affordable document. Then you will be sure that you have purchased not just a piece of paper, but a quality service.
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