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To receive medical care in another country - a tourist needs insurance. In addition, you need a clear understanding of what to do if an insured event occurs. Is it possible to prepare for such difficulties in advance and what to do - we will tell you in order:
By thinking about a plan of action in the event of an insured event - you will avoid common mistakes. You should study all the rules and nuances of your insurance policy. What expenses are covered by insurance and which remain your responsibility.
Make paper and electronic copies of your insurance. Save it on your phone, give copies to everyone traveling with you, as well as to someone close to you in Ukraine. Highlight the basic information that is needed in insurance cases with a bright marker: insurance number, company contact number.
Phrases in English. Think about whether you will be able to explain to the doctor / police what happened and how to help you. If your knowledge of English at an intermediate level is enough for tourist trips - then it is easy to get confused in problematic situations. Yes, you don’t want to think about the troubles that may happen before your vacation. But we recommend writing down simple phrases for yourself: how to ask for help if you feel unwell, explain that something has been stolen from you. If you are not confident in your abilities - choose insurance that includes the services of an interpreter during the resolution of an insurance case.
Assemble a well-thought-out first aid kit. You will not be covered for the costs of simple painkillers or cold pills until it develops into a serious illness. In order not to spoil your vacation - Prepare a first aid kit with all the necessary supplies. Take medications that will help with colds, poisoning and upset, allergies. Painkillers, plasters, other items that you think may be useful.
Contact numbers are listed in your insurance policy. For reinsurance, you can immediately write them down on your gadget. As a rule, the support service of insurance companies is available 24 hours a day. If you suddenly cannot reach them — write to e-mail and try calling other numbers.
In order to quickly understand the insurance event, you need to clearly indicate the following details:
He will contact a doctor who is nearby or the nearest clinic. He will send the victim's insurance and confirm that the company will cover the costs necessary for treatment. The consultant decides what to do: make an appointment with the doctor for the next day or immediately call an ambulance.
After you provide the information - agree on further actions with the company, ask what measures the company is taking and what to do next. It is not recommended to order services at your own expense without discussing them with the assistant. The costs may not be reimbursed. This is only worth doing if you need urgent help, and you couldn't contact them using the available methods.
There are also insurance cases when urgent medical care is needed, and you can't contact the specified numbers. If you understand that you need to act quickly for the safety of the victim - it's better to pay out of your own pocket. But at the same time, it is important to:
If you ordered a basic package of services, and a problem arose that is not covered by the policy. For example, loss of luggage during a flight.
You paid for services that were not agreed with the insurance company representatives. For example, you called an ambulance when you could have made an appointment with a doctor in the morning. We decided to go to the hospital with a cold when there were no serious complications and treatment with medications from a basic first aid kit would be enough.
The victim was in a state of alcoholic or drug intoxication. In such cases, the insurance company refuses to cover the costs, even for basic services. It decides that the tourist is to blame for the injury, which means it takes the costs on itself.
To properly use travel insurance if an insured event occurs, you don't need much. Study the policy, think through your actions before the trip. Be responsible and think about your personal safety. And also, make sure that other tourists in the company are also prepared for the trip.
And if you don't have an insurance policy yet, then it's time to take care of this issue - travel insurance online.
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