Extended insurance
General Information
The mandatory for every trip abroad is making of insurance contract. It can be required in vizas center or consultant opening visa, at the border and when applying for medical helping abroad. Insurance contarct as a visa you can make by yourself or with our helping. Depending on level risk of the trip, we writing down these kind of insurance:
1) Travel inurance - for every trip without increase physical activity and risk. Travel insurance is mandatory minimum when opening visa and border crossing.
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General Information
Getting an insurance policy is obligatory for every trip abroad, as it may be required at the viza centre or at the consulate when opening the viza, at the border or in case of seeking medical care abroad. As well as the viza you can obtain the insurance policy on your own or with our assistance. Depending on the level of risks in the tour we conclude the following types of insurance contracts:
1) a travel insurance, for the tours without high physical activity and risks. A travel insurance is a mandatory minimum for opening a viza and crossing the border. It covers expences for the medical treatment of illnesses and injuries sustained while staying abroad, but it does not include those which have occured due to practicing active tourism forms. It applies both to outpatient and inpatient medical assistance. The average cost of the travel insurance for a 10 days tour is 100 hrn per person;
2) a sports insurance, which includes all kinds of injuries sustained in the process of practising active tourism forms such as rafting, trekking, cycling, climbing, etc. It applies both to outpatient and inpatient medical assistance. The average cost of the sports insurance for a 10 days tour is 225 hrn per person.
The insurance payments
Health insurance policy for travelling abroad implies the compensation within the limits of 35 000 euro.
Health insurance includes expenses for the treatment, the medical supplies and the transportation to the health facility. To receive such payouts it is obligatory to have the checks and the bills for the services rendered and for the purchased medical supplies including transportation services. Without supporting documentetion the service is not considered to be provided and the payouts for it will not be performed.
The insurance amount is not paid out in case the injuries are caused intentionally by the subject himself or if they occur in a state of alcoholic or drug intoxication. Also the expenses connected with an accidents caused by congenital, chronic or oncological deseases which started before the tour, as well as with a pregnancy, veneral deseases, dental deseases, etc. are not covered by the health insurance.
The insurance amount can be increased on client's request when applying for the policy with the increasing of insurance payment respectively.
Singing up an insurance agreement and what to do in case of an insurance event
In order to get an insurance every participant of the tour should send the following data: full name, date of birth and adress. The information should be provided beforehand, a questionnaire for filling in of this and other data will be sent to you after you apply for a tour.
In case of an insurance event:
1. The tour leader calls the insurance company and informs about the case, giving the full name of the person to whom it occurred, the number and the timeframe of the contract, the location of the group.
2. The insured person requests assistance at a health facility for receiving the medical care.
3. If necessary, a vehicle for trasportation of the person to the health facility should be called. The insurance amount covers the expenses for the transportation only if the bill for the transportation will be provided. I.e., if it is an ambulance, a rescue service or a transporter registered as an individual entrepreneur etc., then an insurance company will compansate these expenses. However, if it is an ordinary transporter, a cart with horses, etc., you should pay for it only with your own funds.
4. Depending on the chosen (or the nearest) health facility, the medical care can be provided for free, at the cost of the health insurance or at the injured person's own expenses with further reimbursement by the insurance company.
5. If the services are provided at the injured person's own expenses it is important to keep all the bills and checks about the treatment, purchased medical supplies, etc.
6. To receive the payouts (in case the services were purchased by the injured person himself), within the timelimit of 15 days after returning of the insured person to the permanent residence place, the following documents should be submitted to the insurance company: a written application about an insurance event, the Health insurance policy for travelling abroad, the documents that prove the fact that medical care had been provided, the originals of bills for medical services, an extract from the medical history, identity documents and a TIN certificate.
