Humiliated and insured.
Humiliated and insured.
Muscovite Valentine A, 47 years, together with the son-in-law, the daughter
And the grandson has gone for a week to Paris under the tourist permit.
All the day long on July, 12th Valentina has stayed with the grandson in hotel, while spouses
"ekskursirovali" on shops. In the evening it left to take a walk. Street for
Street, quarter after a quarter - it has lost the way. In broken English
Has asked road the young guy. Instead of the answer it has struck it. It has fallen.
It has picked up any stick and more time has struck to it blow - to feet. It
Has jumped and has cried. Now on it have pulled hard some person. Her beat
Feet. Have undressed. Have removed ornaments. Also have left to lay on asphalt.
That was then - Valentina remembers vaguely. Went on any lanes,
Tried to find road to hotel. From it all jumped aside. At last it has picked up
The police also delivered in St. Anna's hospital where bring the Parisian
klosharov. At it there were no documents, and she did not speak in French.
The son-in-law has started to search for it even in the evening of 12th. But has found only 14th
In the morning, already in hospital. In day when the permit came to an end and it was necessary
To fly to Moscow. But it could not move, and the son-in-law has left it in hospital.
Having returned to Moscow, the son-in-law has communicated with insurance company "п п п п п ".
Valentina, as well as all tourists, has been insured for the period of a trip. Leaning
On item D, 9 Conditions of medical insurance of this company, the son-in-law asked
To deliver suffered home. To it it has been given up.
Son-in-law Valentines has asked the acquaintance who is knowing French,
To fly to Paris for the mother-in-law. Has given money for road. On July, 20th Valentina have written out
From hospital, and the friend to the son-in-law, having paid for treatment 17 with superfluous thousand francs,
Delivered it to Moscow.
Valentina at all from number of "new Russian". Went to Paris for
The bill of the son-in-law. The dream at it was almost since the childhood to look this city.
17 thousand francs collected on remains, occupying at relatives.
Already next day after returning home Valentina has gone
In a medicolegal investigation bureau, and forensic scientist L.Romanov ascertained
Numerous bruises and grazes which "were formed from shock,
With great dispatch-sliding and squeezing influences of stupid firm subjects ".
The insurance case is available? It would seem. And Valentina has addressed in
"ROSNO". She asked to compensate treatment in St. Anna's hospital and to pay
The ticket for the person who came behind it to France. However in "ROSNO"
To pay have refused. So the suit going about this day has begun. On September, 30th
1996 Valentina has addressed with the claim on "ROSNO" in Petty-bourgeois
Intermunicipal court.
Business has got to judge I. Makarovoj. During trial, as
Follows from Valentina's written statement, representatives "ROSNO" three times
Changed the formulation of the refusal. Here in the sum of their reason:
- Valentina has beaten itself longer to stay in Paris.
Well as the unter-officer widow, remember?
- Valentina consists on the account in psihonevrodispansere, means, it
It is deranged.
- The woman has arrived thoughtlessly, leaving on street at night one, so
That she in all is guilty and let all disentangles.
If from the first charge, too absurd, the company quickly
Has refused, on the basis of last two judge Makarova on October, 14th 1997
Of year has passed the decision in advantage "ROSNO".
Really, in the conditions of medical insurance of firm "п п п п п "
There are two curious points (subitem F 8, 9). We will quote them.
The claims submitted as a result of intentionally put are not accepted "
To itself of traumas... And also subjection of to unnecessary risk ". In
Insurance compensation refuse and in cases, "connected with the mental
Diseases or diseases in which occasion earlier it was spent
Treatment ".
What risk from the point of view of the company "necessary" and what "unnecessary"?
To walk at night across Paris - risk "unnecessary". Obviously, to leave hotel in
Ice - too. To eat an unfamiliar dish - especially. To sit down in a taxi -
Itself. More shortly whatever happens with the tourist, this point allows
The companies to declare: "itself it is guilty". After all definitions of this "unnecessary" risk
In the conditions of insurance is not present.
Other argument looks more serious. Some years prior to a trip
Valentina A has got to accident after which it have put on the account
In psihonevrodispanser. Hundred thousand the Russians freely leaving for
The border, voting on elections, stand on the account in such clinics.
Depressions, nervous breakdowns, alcoholic excesses after the big holidays -
It is enough of it to "be lighted" in a medical card file. The majority
Such patients the second time to neuropathologists do not address.
When Valentina together with a family has arrived to Paris, it, by words
Its relatives, it was absolutely healthy. When it have beaten before loss
Consciousnesses, it for some time has lost memory. And she did not know
The French language. Therefore it delivered in psychiatric branch
St. Anna's hospitals, but have then translated in traumatology. "ROSNO"
Represents all so as if at Valentina the aggravation of the mental has begun
Diseases, it has lost memory and has got to hospital. And a beating? Them not
Was.
It would seem to establish true simply. It is necessary to query in
Police and in hospital. However in "ROSNO" have considered, that time the true is necessary
istitse, let all also learns Valentine. Correspondence with Paris - expensive
Pleasure. Under the insisting of court of Valentine A bears new expenses. Custom-made
Letters, notarially certified transfers... While at "ROSNO" is
In Paris the representative and to it it was easy to receive an extract from
Registration writing-book in police.
Eventually on request of the judge representatives "ROSNO" to Paris
The inquiry in which it was informed has been sent, that "the patient does not fall under
Insurance covering according to policy "ROSNO-SOS" as it could be
It is declared any of the parties which are taking part in business from the party
Relatives "also that" the patient insists that it was
It is hospitalised concerning a wound ". However Valentina did not speak anything about
Wounds. The answer of the doctor of R.Klaveri contained only fact ascertaining - wounds
Was not.
Thus, in a course more than annual proceeding
The necessary proofs it has not been collected. However, as we know, Makarova
The decision passes - in the claim to give up.
The cassation complaint submitted on November, 23rd of last year, also anything
Has not given.
... When insurers are going to on "parties" it is traditional
Complain: why Russians do not like to be insured, do not understand advantage
Insurance? And the matter is that insurance practice at us is that, that the client
It is obviously laid down in unprofitable conditions for itself. The policy "ROSNO" together with
The text of Conditions of insurance our tourists have received in two weeks after
How have paid the insurance. Practically at a plane gangway. If they
Knew, that in Conditions there are points which do not suit them, they from
Insurance has refused. And so do practically all companies insuring
Tourists. The old, Soviet principle of granting Still works
Services: the client has only one right - to pay money.
We do not exclude, that at more careful investigation were opened
The details changing an essence of the matter. But our liking on the party istitsy.
Beaten, plundered on foreign land and in addition humiliated in the country.
Alexey of FROSTS.
//* an information Source: the Russian newspaper, 23.01.98
//* Reg. Nom. - 1080100128.75-------------------------------------------
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