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With the receipt of visa-free passports in 2017, the number of Ukrainian tourists in Europe has increased significantly. And accordingly, the number of insurance cases. The insurance policy purchased by a tourist clearly states the package of services, conditions, amount, etc. But in reality, there are nuances that you learn when an incident provides an opportunity to test this insurance on your own experience. To know the procedure and be able to use insurance if necessary, let's look at examples: what insurance cases are. And most importantly, how to avoid making mistakes in such situations.
«I was skiing, fell, and sprained my wrist. I had to go to the doctor for an appointment, get an X-ray. I spent a total of $100. Upon arrival in Ukraine — the company reimbursed the money spent.»
First of all — call the insurance company. The number — is listed in your insurance. They will direct you to the right hospital and advise you, you will agree on your actions with the company. If you do not do this — they may refuse to reimburse the costs. So first consult with a representative of the insurance company — then a doctor's consultation.
Keep all receipts, documents, photos, statements. Don't throw anything away. In order for you to be reimbursed for your expenses — you need to prove where and how much money the traveler spent, whether it was necessary. You need to contact the insurance company with these documents — immediately upon arrival home. You shouldn't postpone — the maximum period for which this must be done is 30 calendar days from the date of the services provided.
But even if everything is intact, the question may arise: did you choose the right insurance? It is better to find out about this before the insured event. Those who are going to ski, engage in water sports and other active entertainment - you need to talk about it. Insurance will cost more, but it will definitely cover the costs.
«My 5-year-old daughter had a fever at the hotel. They could not get her down all night. They tried to call the number indicated in the insurance, but no one answered. Then they wrote to the email address indicated in the letter. They answered, started looking for a doctor, but said that they would call an ambulance if necessary. We searched for a doctor for a long time, so my wife and I called an ambulance, paid about 140 euros. I also paid 20 euros one way for a taxi, because they wouldn't let us go in the ambulance. Upon arrival home, we sent all the checks to the insurance company. We were compensated for the ambulance call, but I paid for the taxi myself.»
Sim’I bought travel insurance with a basic package of services. It covers only medical care, but not all related expenses, such as a taxi to the hospital, additional payment for housing, etc. If we had bought insurance with additional options — would have covered the costs of a taxi.
«We were on vacation with the whole family in Cyprus. One accidental fall - fractures, torn ligaments, dislocation. I was unable to communicate with the insurance company and make decisions myself - my son did it. He communicated with the doctors. I was given painkillers, transported to the hospital. They took pictures, examined me, and put on a temporary cast. But it was necessary to have an expensive operation, and this requires additional confirmation from the insurance company. In order for them to agree to pay for the operation. We sent a request again, the company sent confirmation to the hospital. The next day, the operation was performed, and the medicine still had to be bought. All expenses were covered by the insurance company.»
An accident and an acute need for quality medical care — can occur even in the most inopportune place. The woman was not involved in active sports, she simply accidentally fell while walking. At the same time, if it were not for the insurance — would have to pay several thousand euros for treatment.
As already mentioned - first contact the insurance company. By phone, write messages, constantly report on the condition of the victim and what medical services are needed. Wait for confirmation that the company will pay for these services.
This situation confirms that you should not shift responsibility for insurance to one person. Everyone in a group of travelers should know what to do if an insured event occurs. The number to call, what to say, and how to behave. If you are traveling with friends, share information such as the insurance number and the phone number of the insurance company. When traveling with a child, tell them where the insurance is stored. Show them where the insurance number and phone numbers are. Explain what to do as clearly as possible. After all, if something happens to you, they should not be confused and know how to help.
How to make sure that if an insured event occurs, you do not become the hero of the news about Ukrainian tourists? And most importantly: how to get quality medical care and not spend a lot of money? For this, it is important not only to purchase the right travel insurance — tour insurance online, but also to know how to use it correctly.
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