The typhoon has passed, and you have grown rich.
The typhoon has passed, and you have grown rich.
To insure travellers for a long time it is accepted
All over the world. Seven years ago so began to do and Russia. But for the majority
Our citizens the insurance - still something not clear. Meanwhile
To be insured. If to do it with mind, - business standing.
Pay off for newcomers!
One insurance company of the USA has been compelled to pay to the client
75 thousand dollars for accident at contact to UFO. The claimant has managed
To convince court, that it has received a burn of an eye, "communicating" with newcomers.
Example - from the category funny. And basically today to citizens
Civilised countries it is offered to 150 kinds of the insurance.
Are most popular - insurance of luggage, documents, money,
Jewelry, from accident and sudden disease, a mutilation,
Death, from financial losses on a trip, from impossibility it to make, from
Reductions of terms of travel, from delay in round or its changes
Route. Unintentional damage by the tourist of someone's property (is insured even in
Hotel, restaurant, theatre, museum, at excursion, in transport). People
Well-founded, being going to in holiday, insure the houses, country houses, apartments,
Planes, yachts, cars, offices, computers, office archives.
It is accepted to be insured against natural accidents also. In the last
Time this kind became especially popular in tourists. A typhoon like that
Last year many troubles on the famous resort Akapulko have done or
Recent lodging in Uzbekistan, literally taken down on the way the mountain
Camp site, - not such an unusual occurrence. By the way, one Russian pair
The newly-married couple, tested all horror of that terrible night in Akapulko and
Lost all - from suitcases to the newcomer avto, home has returned with
The solid sum of a check-book. Provident parents before
Wedding travel have presented it the insurance. Thanks to it they not only
Have removed stress in one of the best clinics of Mexico City, but also have bought the two-room
Apartment in native Novosibirsk.
Hundred illnesses in the black list.
The most demanded now in Russia a kind of the insurance for travellers
- The medical. Such policies usually happen three categories: And, In, With.
The category And guarantees compensation medical and hospital
Expenses, returning home (if the tourist suddenly was ill, to it has occurred
Accident or trauma).
The category In to all listed adds the emergency
The stomatologic help (to 200 dollars), the ticket to the relative
Insured if that lays in a hospital more than ten days and near to
They do not have relatives), urgent returning insured home, if in it
To family someone has died.
And without a category With not to manage that who goes to voyage on
Own avto. In this policy, except the services offered for the owner
By category In, are switched on the payment of expenses for repair of its car, and also
The fee to the lawyer in court (if there will be a road failure).
What cost of the insurance is pawned in the policy? Than above a share
Responsibility of the insurance company, that vesomee its policy: usually base
The price from 5 to 100 thousand dollars. Defining the sum of the agreement with
The insurance company, the tourist should represent, what expenses in a case
Illnesses are coming it there where it goes. We will tell, for Turkey, Cyprus,
Greece, Italy, Tunis, Egypt the policy from 15 to 30 thousand is sufficient
Dollars. Being going to to Germany, Spain, Austria, France, Switzerland, not
Be niggardly and buy the policy in cost of 30-50 thousand. Day of hospitalisation in
To Switzerland, for example, costs from one to one and a half thousand). A trip to the USA and
Australia will demand the greatest expenses (the price for medicines and treatment
In local clinics in 2-4 times is more expensive European). Here it is necessary to take
The insurance in 75-100 thousand dollars.
How much thus it is necessary to pay for the policy to the traveller?
Standard insurance day is estimated from 0,5 to 3 dollars; for eight
Days of round it will be necessary to bring from 4 to 25 dollars. That, you see, at all
It is not burdensome even for an average purse.
The more the sum, the we pay less.
Now each decent tour agency, caring of the client, as a rule,
Itself finds the reliable insurance company and buys from it the policy for
The traveller.
But, unfortunately, there are agencies, which, saving on the insurance
(Its cost is included into a round total sum), choose the partner with obviously
The dumping prices. Tourists suffer from similar "alliance" only; very much
Cheap policies abroad become an empty piece of paper. Here the freshest
History: tourists from Siberia, having arrived to South East Asia, have caught there
Yellow fever. Under the cheap insurance available for them local doctors
To treat have refused. It was necessary to poor fellows the money postponed for gifts
Native to spend for mixtures and pills.
Not to get to a similar scrape, take an interest in advance
Conditions and the sum of your insurance. And if it will not suit you, can
To refuse it and independently to choose another: the insurance companies -
The sea, and in any are glad to each client.
Fairly working insurers necessarily should have a licence
On the right of insurance activity in sphere of tourism and exact (the assured
The Ministry of Finance of the Russian Federation) calculations of cost of the policy in all countries.
Vnimatelnejshim in the image it is necessary to read the rules presented to you
Insurance: in them, except company obligations, there are still exceptions, not
Less important for you. So, in the medical policy can be listed
Chronic illnesses in case of which aggravation the insurance stays idle.
The number of exceptions here reaches hundred.
Some insurance companies use one more, not absolutely fair
"zamorochku": offer the policy for 30-50 thousand dollars, in which on
Medical aid it is allocated all 5-7 thousand. It is possible to count up, in what
"kopeechku" the serious trauma in expensive countries will manage to you. If you
Have found out, that insurers almost for what do not bear responsibility,
Whether it is necessary to be spent for the similar policy? It is more reliable to deal therefore
The large insurance company (with the authorised capital not less than 500 thousand
Dollars) which will not solve the financial problems, obegorivaja
The client. To take better at once as much as possible full package of insurance services is
And it is more favourable, and guarantees the minimum loss against various losses in
Travel.
The solid insurance company has abroad own alarm-centre,
Where dispatchers work russkogovorjashchie, - its phone is specified in the policy.
There the suffered tourist can at any time and in any country
To address for the necessary help and immediately it to receive. All expenses for
Telephone conversations with the alarm-centre to you will compensate, it is necessary only not
To lose the receipt.
Lyudmila SOROKIN.
//* an information Source: the Russian newspaper, 14.08.98
//* Reg. Nom. - 1080800123.14-------------------------------------------
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