Sayohat sug'urtasi - Travel insurance

Sayohat sug'urtasi bu sayohat bilan bog'liq favqulodda vaziyatlar va xarajatlarga qarshi qisqa muddatli sug'urta. Xalqaro sayohatchilar deyarli har doim mumkin bo'lgan tibbiy xarajatlarni qoplash uchun sayohat sug'urtasini olishni xohlashadi, ammo boshqa sayohatchilar ham o'zlarining rejalariga qarab foydali bo'lishlari mumkin. Chet elga sayohat paytida favqulodda vaziyatni engish juda qimmatga tushishi mumkin. agar siz sayohat sug'urtasini ololmasangiz, sayohat qilishingiz mumkin emas.

Ushbu maqolada sayohatni sug'urtalash polisi bilan ta'minlangan keng tarqalgan narsalar va sizning siyosatingizda nimani tekshirish kerakligi tasvirlangan. Har qanday siyosat bilan siz qoidalar va shartlarni diqqat bilan o'qib chiqishingiz va ayniqsa, ularni ko'rib chiqishingiz muhimdir istisnolar (siyosat aniq qamrab olmaydigan narsalar).

Tushuning

Hamdo'stlik sog'liqni saqlash markazi Shimoliy Mariana orollari

Ba'zida sayohatchilar, agar ular qimmatbaho buyumlarni olib yurmasalar, o'zgarishi / qaytarib berilishi mumkin bo'lgan chiptalariga ega bo'lsalar va bir muddat boradigan joylarida qolish imkoniyatiga ega bo'lsalar, sug'urtalanishni tark etishlari mumkin deb o'ylashadi. Mana bunday bo'lmasligi mumkin bo'lgan to'rtta sabab:

• Kasallik yoki shikastlanish. Sizning tibbiy sug'urta xarajatlaringiz uy sharoitida hukumat sxemasi yoki xususiy sug'urta bilan qoplanishi mumkin bo'lsa ham, ehtimol bu sizning mamlakatingizdan tashqarida haqiqiy bo'lmaydi. Vaqti-vaqti bilan o'zaro kelishuv bundan mustasno (masalan Evropa Ittifoqidava butun dunyo bo'ylab kamdan-kam uchraydigan xususiy shaxsiy siyosat, siz chet elda tibbiy sug'urtaga ega bo'lmaysiz. Kam sonli mamlakatlar sayyohlarga bepul yoki asosan bepul tibbiy yordam ko'rsatadilar, ammo bu sizning standartlaringizga mos kelmasligi mumkin. Bundan tashqari, sizning aybingiz bo'lmagan baxtsiz hodisa yoki shikastlanish rivojlanayotgan mamlakatlarda juda kam miqdorda tovon puli to'lashi mumkin.
• Tibbiy evakuatsiya uyga yoki eng yaqin kasalxonaga borish evakuatsiya uchun 250 000 AQSh dollaridan oshishi mumkin. Agar siz chet elda yashasangiz ham (yuqoriga qarab), agar siz og'ir kasal bo'lsangiz yoki mahalliy davolanishga yaroqsiz jarohat olgan bo'lsangiz yoki uzoq muddat tiklanishni talab qilsangiz, sizni uyingizga qaytarish juda qiyin. Bunga bolalar, chaqaloqlar va homilador onalar ham kiradi, ular tibbiy evakuatsiya qilishda Hech qachon o'zlarining kundalik tibbiy sug'urtalariga ishonmasliklari kerak.
• Aloqa shahrida joylashgan. Belgilangan joyda barcha kechikishlar va muammolar yuzaga kelmaydi. Xalqaro aviakompaniyalar hublari Nyu-York, London, Parij, Tokio va boshqalar kabi yirik shaharlarda joylashgan. Bunday joylarda turar joy va ehtiyojlar uchun xarajatlar ancha yuqori.
• Qisqa vaqt ichida qaytib kelish sayohat qimmat bo'lishi mumkin. Siz aviakompaniyaning narxlari bo'yicha juda yaxshi kelishuvga erishdingiz. Afsuski, ta'tilning o'rtasida sayohat qilmaydigan yaqin oila a'zosi vafot etadi. Uyga qaytish uchun aviabilet uchun dastlab to'laganingizdan bir necha barobar ko'proq pul talab qilinishi mumkin, bundan tashqari, qolgan vaqtni yo'qotib qo'yishingiz mumkin.

Ushbu holatlar va boshqa ko'plab holatlar quyida chuqurroq tushuntirilgan.

Qoplanishi mumkin bo'lgan narsalar

Sayohatni sug'urtalashning ikkita asosiy klassi mavjud:

• Xalqaro sayohat sug'urtasi, sizning mamlakatingizdan tashqarida sayohat qilishni qamrab oladi. Bu muhim Xalqaro sayohatlarning bir qismi, chunki sog'liqni saqlashning ko'plab tadbirlari boshqa mamlakatlarda qo'llanilmaydi va siz sug'urtaga muhtojsiz yoki barcha tibbiy to'lovlarni cho'ntagingizdan to'lashingiz mumkin.
• Ichki sayohat sug'urtasi, sizning mamlakatingizda sayohat qilishni o'z ichiga olgan. Ushbu qoidalar odatda xalqaro siyosatdan arzonroq, chunki odatda tibbiy qamrovni o'z ichiga olmaydi - ehtimol sizning mamlakatingizda boshqa kelishuvlar mavjud. Ular sizning sayohat bilan bog'liq bo'lgan bekor qilish va yopish kabi muammolar uchun sizga tovon to'lashga e'tibor berishadi. Ular, shuningdek, juda kam ahamiyatga ega va siz ularning qiymatini sayohat asosida ko'rib chiqishingiz mumkin.

Sayohat sug'urtasini sotib olayotganda, uni ko'rib chiqishingiz kerak yoritish sanalari (ketgan kuningiz va uyga kelgan kuningizni kiriting; kechikishlar ko'pincha avtomatik ravishda qoplanadi), bu sizni moddiy jihatdan etarli darajada himoya qiladimi yoki istisnolar.

Quyida muhokama qilingan qamrov turlarini hazm qilayotganda, sizga faqat bitta yoki bir nechta turlari kerakligini bilib olishingiz mumkin, masalan, medevak (tibbiy evakuatsiya) uydan uzoqroq joydan. Ba'zi tadqiqotlar natijasida siz har bir ehtiyoj uchun alohida qamrov topishingiz mumkin. Agar sizga ko'plab qamrov turlari kerak bo'lsa, ehtimol siz ularga kerak bo'lmasligi mumkin bo'lgan "keng spektrli himoya" ni taklif qiladigan yaxlit siyosatni xohlaysiz. Buning sababi shundaki, to'liq qamrovning chekka qiymati odatda juda kichikdir ... har bir xavfni alohida qoplashdan ancha past bo'lishi mumkin. Quyidagi "qamrovning namunaviy jadvallari" sizni qoplash mumkin bo'lgan turli xil xatarlar bilan tanishtiradi.

Tibbiy xarajatlar

Agar sizga, masalan, operatsiya kerak bo'lsa, sayohat uchun byudjetingiz etarli bo'lmaydi

Odatda, sizning har qanday standart tibbiy sug'urtangiz bor, faqat sizning mamlakatingizda tibbiy yordam uchun da'volarni to'laydi. Shu sababli, chet elda tibbiy xarajatlar ko'p hollarda qoplanmaydi. Umumjahon sog'liqni saqlashga ega bo'lgan ayrim mamlakatlar (masalan, Kanada, Buyuk Britaniya va Avstraliya) mumkin shunga o'xshash sog'liqni saqlash tizimlariga ega bo'lgan boshqa mamlakatlar bilan o'zaro shartnomalar tuzish. Yangi Zelandiya kabi ba'zi bir mamlakatlar sayyohlarning jarohatlar va baxtsiz hodisalar (masalan, avtohalokatlar) tufayli kelib chiqadigan tibbiy xarajatlarini qoplaydi, ammo kasallik yoki tibbiy hodisalar (masalan, yurak xurujlari) uchun emas. Ammo, agar biron bir mamlakat sayyohlarga o'zlarining imtiyozli tibbiy yordamlarini kengaytirsa ham, taqdim etilayotgan narsalar sizning talablaringiz va ehtiyojlaringizga javob bermasligi mumkin.

Agar siz o'zaro kelishuvga ega bo'lmasangiz yoki doimiy tibbiy sug'urtangiz xalqaro qamrovga ega bo'lmasa, siz cho'ntagingizdan sayohat qilish paytida barcha tibbiy xarajatlarni to'lashingiz mumkin. Sifatli tibbiy xizmat juda qimmatga tushishi mumkin. Masalan, Qo'shma Shtatlarda oddiy singan qo'lning narxi osongina 2500 dollarga yoki undan ko'proqga tushishi mumkin. Shu sababli, barcha xalqaro sayohatchilar o'zlarining tibbiy ta'minotiga ega ekanligiga ishonch hosil qilishlari kerak, odatda sayohat paytida yuzaga kelgan kutilmagan tibbiy xarajatlarni qoplaydigan sayohat sug'urtasi polisi. Agar siz uydan uzoq bo'lmasangiz, quyida keltirilgan tibbiy evakuatsiya qamrovini tanlashingiz kerak.

Ba'zi kasalxonalar sizni faqat sizning sayohatingizni sug'urta qilish polisi yoki to'lashingiz mumkinligi to'g'risida dalilingiz bo'lgan taqdirda qabul qilishi mumkin.

Sayohatni sug'urtalash bo'yicha tibbiy yordamni ko'rib chiqishda:

• Siz da'vo qilishingiz mumkin bo'lgan tibbiy yordamning aniq ma'lumotlarini tekshiring. Agar sizning manzilingiz, masalan, davlat va xususiy shifoxonalar bilan tabaqalashtirilgan sog'liqni saqlash tizimiga ega bo'lsa, siz xususiy shifoxonadan foydalanishingiz mumkinmi?
• Sizning sug'urtalovchingiz favqulodda vaziyat bo'yicha maslahat bilan 24 soatlik aloqani taklif qiladimi? Ushbu ishonch telefonlari sug'urtalovchiga vaziyatni baholash va tibbiy yordam to'g'risida iloji boricha tezroq maslahat berish imkoniyatini beradi. Sug'urtalovchingiz siz bilmagan mahalliy ma'lumotlarga ega bo'lishi mumkin.

Tog'ga chiqish kabi xavfli faoliyat odatda odatiy qoidalar bilan ta'minlanmaydi

• Agar siz biron bir sarguzasht sportida yoki shunga o'xshash tadbirlarda qatnashsangiz tog 'chang'isi yoki akvalang yordamida suv ostida suzish, ushbu faoliyatni amalga oshirayotganda sodir bo'lgan baxtsiz hodisalar bilan bog'liq tibbiy sug'urta qilish bo'yicha siyosatingizni tekshiring va sug'urta qilish uchun sizga rasmiy ta'lim kerakmi yoki yo'qmi. Agar siz o'zingiz tanlagan faoliyatni qoplash uchun sayohatni sug'urtalashning umumiy polisini topa olmasangiz, ushbu faoliyatga ixtisoslashgan sug'urtalovchidan alohida sug'urta polisini olishingiz mumkin.
• Qaytib kelgandan keyin aniq bo'ladigan kasalliklar uchun qamrov bormi? Xalqaro sayohatni sug'urta qilish qoidalari chiqarib tashlash tibbiy xarajatlar, agar siz sayohat paytida sodir bo'lgan jarohatlar yoki kasallik tufayli kelib chiqsa ham, sizning mamlakatingizda tibbiy xarajatlar. Sizning mamlakatingizda tibbiy xarajatlar odatdagi sog'liqni saqlash tartibingiz bilan qoplanadi. Ba'zi qoidalar bezgak kabi tropik kasalliklarni bir yilgacha qamrab olishi mumkin. Kamdan kam hollarda, ular ta'sir qilish va kasallik o'rtasida uzoq vaqt bo'lishi mumkin.
• Siyosat stomatologiya xarajatlari uchun etarli darajada qoplanadimi? Umumiy tibbiy xarajatlar uchun katta miqdordagi mablag 'bo'lishi mumkin, ammo tish xarajatlari uchun juda oz miqdor (masalan, atigi 500 dollar). Ko'p hollarda, agar siz stomatologik qo'shimchani sotib olmasangiz, tish xarajatlari umuman qoplanmaydi.

E'tibor bergan: tibbiy yordam uchun qamrov avtomatik ravishda tibbiy evakuatsiyani o'z ichiga olmaydi.

Oldindan mavjud bo'lgan tibbiy holatlar

Agar siz tibbiy holatga duch kelgan bo'lsangiz yoki davolanishni xohlagan bo'lsangiz, ilgari mavjud bo'lgan tibbiy holatlar bo'yicha siyosat tartibini diqqat bilan o'qib chiqishingiz kerak. Sug'urtalovchi mumkin

• Sizni sug'urtalashdan bosh torting
• Sizni tibbiy ko'rikdan o'tishingizni talab qiling
• Sizdan qo'shimcha mukofot oling
• O'zingizning ortiqcha / chegirmangizni oshiring yoki ular to'laydigan miqdorni yoping
• Oldindan mavjud bo'lgan holatingiz bilan bog'liq sog'liqni saqlashni istisno qiling
• Barcha sog'liqni saqlash xarajatlarini istisno qiling

Oldindan mavjud bo'lgan tibbiy sharoitlar sayohatni sug'urtalashda muammo bo'lishi mumkin

Agar yurak xastaligi kabi yuqori xavfga ega bo'lgan yoki kasallikka olib keladigan omillar tashxisi qo'yilgan bo'lsa, masalan, pıhtılaşma muammolari yoki qon bosimi ko'tarilishi bilan sayohat sug'urtasini olishda qiynalishingiz mumkin. Agar so'ralsa, siz oshkor qilish talab qilinishi mumkin sug'urta qildiruvchingizga tibbiy tarixingizdagi asosiy, mavjud bo'lgan holatlar to'g'risida ma'lumot, hatto oldindan mavjud bo'lgan sharoitlar uchun qamrov izlamasangiz ham; tegishli biror narsani oshkor qilmasangiz, sizning siyosatingiz butunlay bekor qilinishi mumkin.

Ba'zi qoidalar sizni umuman qamrab olishi mumkin, ammo oldindan yoki ba'zi shartlar bundan mustasno. Agar sizda jiddiy muammolarni keltirib chiqaradigan yoki sizni xavf ostiga qo'yadigan mavjud holat mavjud bo'lsa, bu shubhasizdir. Biroq, ba'zi qoidalar tibbiy va boshqa oldindan mavjud bo'lgan sharoitlarni qamrab oladi, ammo agar siz sayohat uchun bron qilgandan keyin qisqa vaqt ichida qamrov sotib olgan bo'lsangiz, ehtimol atigi 24-48 soat; ba'zi boshqa sug'urtalovchilar ikki haftagacha ruxsat berishlari mumkin. Bu oxirgi to'lovdan keyin emas, balki brondan keyin sayohatning har qanday asosiy tarkibiy qismi uchun. Jiddiy sharoitlarni qoplashni taklif qiladigan siyosat uchun har qanday tibbiy baho (yuqoridagi kabi) so'nggi daqiqada sotib olish imkonsiz bo'lishi mumkin.

Siz topasiz Dastlab sifatli qamrovni topish uchun katta kuch sarflash kerak. Bunday sug'urtalovchini topgandan so'ng, keyinroq sayohat qilish uchun shu kabi qamrovni olish uchun unga osongina qaytishingiz mumkin.

Homiladorlik

Agar siz homilador bo'lsangiz yoki tug'ilishni davolashni boshdan kechirsangiz, homiladorlik bilan bog'liq siyosat ma'lumotlarini o'qib chiqishingiz kerak. Ko'pgina qoidalar homiladorlikni oldindan mavjud bo'lgan holat deb hisoblaydi, garchi ular ba'zi bir mezonlarga muvofiq qo'shimcha ma'lumot yoki xarajatlarni talab qilmasa ham. Talablar sezilarli darajada farq qiladi. Ba'zan qo'shimcha mukofot talab qilinadi. Ba'zida sizning akusheringizdan xat talab qilinadi. Homiladorlikning muayyan davridan tashqari tibbiy qamrovga ruxsat berilmasligi mumkin. Ko'p marta tug'ilish yoki IVF bilan tug'ilishda turli xil qoidalar qo'llaniladi. Agar siz homiladorlik sababli kasalxonaga yotqizilgan bo'lsangiz, qamrov umuman rad etilishi mumkin. Kichkintoylarga doimiy ravishda g'amxo'rlik qilish sizning siyosatingizga kirmasligi mumkin. Erta tug'ilganda har doim Medevac sug'urtasidan o'ting, aks holda siz o'zingizni tutib qolasiz!

Tibbiy yordamni rad etish

Oldindan mavjud bo'lgan ba'zi holatlar sug'urtalovchilarni butunlay rad etishga olib keladi barchasi bir-biriga bog'liq bo'lmagan ko'rinadigan hodisalar uchun ham tibbiy qamrov. Bu sug'urtalovchiga qarab farq qiladi, ammo davolovchi kasallik, organ donorligi oluvchisi bo'lish, OITSga chalinganlik va shunga o'xshash tizimli xavfli sharoitlar. Bunday odamlar umuman har qanday sharoitda arzon tibbiy davolanish xavfsizligini ta'minlay olmasligi mumkin.

Tibbiy qamrab olish rad etilganda, odatda siyosatning boshqa qoidalari amal qiladi (masalan, o'g'irlangan narsalarning almashtirish narxini talab qilish).

Tibbiy evakuatsiya qamrovi

Tibbiy evakuatsiya Slovakiya Tatra tog'lari

Ba'zi sayohatchilar o'zlarining kundalik tibbiy sug'urtalarining bir qismi sifatida xalqaro tibbiy yordamga ega bo'lishadi, ammo u kamdan-kam hollarda davlat tomonidan ko'rsatiladigan tibbiy yordamga kiritilgan (davlatlar o'rtasidagi o'zaro kelishuvlar bundan mustasno). Biroq, tibbiy sug'urta deyarli hech qachon tibbiy evakuatsiyani o'z ichiga olmaydi. Agar siz sayohat sug'urtasining barcha boshqa turlaridan voz kechishga tayyor bo'lsangiz ham, tibbiy evakuatsiya masalasini hech qachon e'tiborsiz qoldirmasligingiz kerak. Qoidaga ko'ra, tibbiy evakuatsiya parvozlari narxi Ekvivalenti bo'lgan bir tomonlama iqtisodiy aviachiptaning 200 baravari (masalan, 750 dollarlik aviachipta tibbiy evakuatsiya narxiga olib keladi $150,000). Xarajatlar shunchalik kattaki, ular oilalarni bankrotlikka olib kelishi mumkin. Agar siz milliarderlar klubining a'zosi bo'lmasangiz, sizga bu masofa uzoq masofalarga sayohat qilish uchun kerak (ya'ni kasal yoki jarohat olgan holda sirt ustida sayohat qilish maqsadga muvofiq emas).

Tibbiy evakuatsiya - bu yaxshi muassasalarga yoki o'z mamlakatiga boshqa transport uchun etarli bo'lmagan bemor uchun tez-tez charterli sayohat (odatda parvoz). Bu, odatda, uyga qaytib kelgan tibbiy xodimlar bilan, kerakli asbob-uskunalar, dori-darmonlar va hokazolarni o'z ichiga olgan holda sayohat qilishni o'z ichiga oladi. Garchi bu ehtiyoj kamdan-kam bo'lsa ham, uning xarajatlari aksariyat xalqlarning mablag'larini tejashga olib kelishi mumkin. Balansda qoplash narxi unchalik katta emas. Ko'pgina hollarda siz shunday qilishingiz kerak milliy chegaralarni emas, balki geografiyani ko'rib chiqing, ushbu qamrov sizga kerak bo'ladimi yoki yo'qmi. Masalan, Nyu-Yorkning Buffalo shahrida yashovchi, Niagara sharsharasining Kanada tomoniga borishni istagan kishi, ehtimol uni sotib olishni tanlamaydi. Boshqa tomondan, San-Frantsiskoda yashovchi Gavayiga uchadigan kishi uchun bu SF ko'rfaziga zudlik bilan qaytish (kasalxonada bo'lsa ham) va Gavayida bir necha oy davomida qolib ketish o'rtasidagi farqni anglatishi mumkin.

Sayohatchining tibbiy evakuatsiyaga muhtoj bo'lishining ko'plab sabablari bor. Oddiy holatlarda, mahalliy davolanishdan keyin siz ko'proq tibbiy yordamni talab qilishingiz mumkin, ehtimol ko'proq joy ajratish uchun birinchi yoki biznes-klassdagi tijorat reysida. O'rtacha holatlarda siz yotganingizda tibbiy yordam bilan sayohat qilishingiz mumkin, ammo tijorat samolyotidan foydalanish uchun etarli emas, ayniqsa yuqumli kasallik bo'lsa yoki yuqtirgan bo'lsangiz. Agar jumbo jetli sayohat qilish imkoni bo'lsa, parvoz paytida yotishingizga imkon berish uchun ketma-ket beshta o'rindiq olib tashlanishi mumkin. Yoki siz ham, sug'urta kompaniyasi ham beshtasini to'laydi. Eksklyuziv tibbiy evakuatsiyadan ancha arzonroq bo'lsa-da, bu juda noqulay. Ba'zi tibbiy evakuatsiya sizning ahvolingiz bilan murakkablashishi va qo'shimcha xarajatlarga olib kelishi mumkin; Masalan, dekompressiya kasalligi bo'lgan odamlarni ("bukilishlar") havo bilan normal evakuatsiya qilish mumkin emas, chunki idishni bosimining o'zgarishi dekompressiya kasalligini yomonlashtirishi mumkin.

Ba'zi bir kam rivojlangan davlatlar yoki aksariyat mamlakatlarning ichki hududlari jiddiy jarohatlar yoki kasalliklarni davolash uchun imkoniyatlarga ega bo'lmasligi mumkin. Sizni davolanish uchun zudlik bilan eng yaqin kasalxonaga evakuatsiya qilish kerak bo'lishi mumkin, keyinroq sizning mamlakatingizga evakuatsiya qilish kerak. Ushbu turdagi "er-xotin evakuatsiya" uchun umumiy narx juda yuqori bo'lishi mumkin, ayniqsa, birinchi kasalxona nisbatan uzoqroq bo'lsa va siz hali ham uydan juda uzoq bo'lsangiz.

Qo'shimcha sug'urta (masalan, AQShdagi AFLAC) tibbiy evakuatsiyani o'z ichiga olishi mumkin, ammo atigi 3000 AQSh dollar atrofida. Bu juda yomon xalqaro sayohat uchun etarli emas. Mahalliy medevac faqat o'z mamlakatingizga chet elda evakuatsiya qilish o'rniga, eng yaqin kasalxonaga (masalan, vertolyot kabi yirik shahar tashqarisida xizmat ko'rsatadigan vertolyot) etkazilgan havo transportini qisman qoplash uchun mo'ljallangan. Sizning siyosatingiz kamida 300000 AQSh dollari yoki unga teng mablag'ni qamrab olganligiga ishonch hosil qiling va 1.000.000 AQSh dollari miqdoridagi qamrovni tanlashni jiddiy o'ylab ko'ring (odatda, qo'shimcha xarajatlar evaziga). Shuningdek, haqiqiy tibbiy sug'urta qoplamasi uchun sayohatga yordam dasturlarini aralashtirmang. Ehtimol, ular tez tibbiy yordamni yuborishlari mumkin, ammo siz hali ham to'lashingiz kerak. Siyosat chekloviga qadar DOUBLE evakuatsiya bilan shug'ullanganingizga ishonch hosil qiling. Agar sug'urta faqat bitta medevak uchun to'lasa, siz chet el kasalxonasida qolib ketishingiz mumkin.

Agar kaltaklangan yo'ldan uzoq masofada jarohatlangan bo'lsa (mast oq ayiq bilan kurash Cherchill, Manitoba ehtimol?) "eng yaqin shifoxona" imkoniyati cheklangan bo'lganidan tashqari, kutilganidan ancha uzoqroq bo'lishi mumkin (va shoshilinch evakuatsiya sifatida qimmatroq); mahalliy sayohatchilar viloyat sug'urtasi sxemasi boshqa viloyatdagi jarohatlar uchun asosiy kasalxonaga yotqizishni o'z ichiga oladi, ammo Arktika vertolyotiga qimmatga tushmaydi.

Qarovchining qamrovi

Kasalxonalar parvozlari uchun bemorlarni tashish bo'limining misoli

Agar siz sayohat paytida qobiliyatsiz bo'lsangiz, qarindoshingiz yoki do'stingiz sizga borishi yoki siz bilan qolishi yoki uyiga kuzatib qo'yishi uchun ba'zi qoidalar to'laydi.

Bir martalik to'lovlar

Agar kasal bo'lsangiz yoki jarohat olgan bo'lsangiz, tibbiy xarajatlaringizni qoplash bilan bir qatorda, ba'zi bir qoidalar baxtsiz hodisa yoki noxush holatlarda sizga yoki sizning mol-mulkingizga bir martalik to'lovni to'laydi. Masalan, sayohat paytida jarohat olgan bo'lsangiz va ishlay olmasangiz, ular sizga maoshingizning bir qismini ma'lum vaqt davomida to'lashi mumkin.

O'lim

Sug'urta polisi sizning sayohat paytida o'zingizning o'limingiz bilan bog'liq bo'lgan xarajatlarni qoplashi mumkin, masalan, mahalliy dafn marosimini o'tkazish va dafn etish yoki kuydirish yoki qoldiqlarni uyga etkazish xarajatlari. Tibbiy xarajatlarni sug'urta bilan qoplash sizning vafot etgan taqdirda sizning yaqin qarindoshlaringiz uchun juda muhimdir, aks holda bu shaxs javobgar bo'lishi mumkin, sizning farzandlaringiz va qaramog'ingizdagi bolalarning merosi juda kamayishi yoki bekor qilinishi mumkin.

Sizning yaqin qarindoshlaringiz uchun qo'shimcha ravishda bir martalik foyda bo'lishi mumkin, ammo kamdan-kam hollarda hayotni sug'urtalash bo'yicha to'lashi mumkin bo'lgan pul miqdori.

Transport bilan bog'liq muammolar

Bekor qilish va kechikishlar

Sayohatni sug'urtalash ko'pincha sizning operatoringiz yoki manzilingizni etkazib beruvchilar tomonidan kutilmagan bekor qilinishi bilan bog'liq xarajatlarni qoplaydi, masalan, bekor qilingan reys bilan bog'liq xarajatlar, shu jumladan turar joy, ovqatlanish va boshqa hodisalar. Favqulodda vaziyatlar sababli bekor qilish ko'pincha qoplanadi; ba'zi mumkin bo'lgan misollarga quyidagilar kiradi:

• Siz sayohat qila olmasligingizni aytib beradigan tibbiy maslahat
• Sizning oilangizda o'lim yoki (ba'zan) tibbiy shoshilinch holat
• Uydagi yong'in kabi katta falokat
• Belgilangan manzilingizdagi falokatlar yoki g'alayonlar, siz safarga buyurtma berganingizdan keyin sodir bo'ladi

Nima sodir bo'lganiga qarab, sug'urtalovchi qayta bron qilish uchun to'lovlarni to'lashi, yo'qolgan depozitlarni qaytarishi yoki uyiga sayohat uchun to'lashi mumkin. Sayohat sug'urtasi faqat to'g'ridan-to'g'ri zarar uchun to'laydi bu kabi. Ta'tilingiz bekor qilinganligi sababli ko'ngilsizlik uchun qo'shimcha tovon puli olmaysiz. Shuningdek, rejalashtirish, tayyorlash, sayohatingiz uchun sotib olingan narsalar va boshqalar uchun tovon puli yo'q. Haddan tashqari holatlarda, agar siz sayohat bekor qilingan taqdirda, agar siz haqiqatan ham ko'p pul sarf qilsangiz, hatto barcha sayohat bilan bog'liq depozitlar va qaytarib berilmasa ham. to'lovlar qaytarildi - siz Londonning Lloyd's singari sug'urtalovchisiga murojaat qilishingiz kerak. Masalan, katta omonat bilan auditoriya yoki teatrni ijaraga olgan ijrochi bo'lishi mumkin, chunki hech qanday sayohat sug'urtasi buni qoplamaydi. Maxsus sug'urtalovchiga murojaat qiling birinchi, chunki ular har ikkalasini ham sotib olsangiz, sizga kerak bo'lgan har qanday ehtiyojdan tashqari odatdagi sayohat sug'urtasini chegirma bilan taqdim etishi mumkin.

Agar istisno holatlar mavjud bo'lsa, yuqori sifatli qoidalar sizning xohishingizga ko'ra bekor qilinishini qoplashi mumkin: masalan, ba'zi bir sayohat sug'urtasi pollari sizning qor ko'tarmasligidan dam olish maskani yopilgan bo'lsa, sizga tosh ko'tarish uchun chiptalaringiz narxini to'laydi. Juda yaxshi qamrab olish (sifatli variantlar uchun to'lov bilan), agar siz o'zboshimchalik bilan sayohatga bormaslikka qaror qilsangiz ham, muqarrar xarajatlarning asosiy qismi uchun to'lovni o'z ichiga olishi mumkin.

Muayyan qamrab olish opsiyalarini sotib olishga asoslangan holda bekor qilish to'g'risida har doim biron bir shart mavjud. Barcha siyosatlarda ushbu imtiyozlar mavjud emas. Do'konda xarid qiling va qabul qilinmaydigan shartlarni topsangiz taqqoslang. Noqulay vaziyatlarga quyidagilar kiradi:

• Siz oila a'zosi vafot etganligi sababli uyga borishni o'z ichiga olgan sug'urta vositasini sotib olishingiz mumkin, lekin do'stingiz vafot etganligi sababli uyga borish deyarli qoplanmaydi, hatto amalda yoki unashtirilgan sherikning o'limi ham bo'lmasligi mumkin. Yaqin bo'lmagan oilalarga kamdan-kam hollarda kiradi, masalan, xola, amaki va amakivachchalar.
• O'limdan tashqari oilaviy favqulodda vaziyatlar ko'pincha qoplanmaydi; masalan, sug'urta kasalxonaga yotqizilgan yoki saraton kasalligiga chalingan oila a'zosi bilan bo'lish uchun uyga borishni o'z ichiga olmaydi, hatto bu sizning farzandingiz bo'lsa ham.
• Agar oila a'zosining favqulodda holati siz sayohatni boshlagan shahar bilan bir xil bo'lmasa, siz aviabiletlarning har qanday o'sishini to'lashingiz kerak. Uchrashuvdan so'ng, sizning siyosatingiz endi hech qanday qamrovni taqdim etmasligi mumkin va siz o'zingizsiz.
• Ko'plab qoidalar sizning etib kelgan kuningizdan oldingi 7-30 kun ichida sodir bo'lgan terroristik harakatlar tufayli bekor qilinishini yoki kechikishini o'z ichiga oladi, ammo juda kam, agar mavjud bo'lsa, ularni qamrab oladi. tahdid terroristik faoliyat. Misol uchun, agar hujum 1 iyunda sodir bo'lgan bo'lsa, yaxshi siyosat iyun oyiga to'g'ri keladigan kishini bekor qilishga imkon beradi. "Arzon" siyosat faqat birinchi haftani qamrab oladi. Agar keyingi hujum sodir bo'lsa, soat qayta tiklanadi - hatto birinchi hujumdan keyin bron qilgan bo'lsangiz ham (borar joy hali ham kompaniya tomonidan qoplanayotgan bo'lsa). Haqiqiy hujumsiz oddiy tahdidlar odatda qoplanmaydi.

Ketishlar yo'q

• Agar sizning transport tashuvchingiz ishlamay qolsa, ular bankrot deb e'lon qilmaguncha siz haq to'lamaysiz. (Garchi bankrotlikdan himoyalanish odatda sayohatni sug'urtalash politsiyasida mavjud bo'lsa-da, u faqat sayohat provayderlarining qamrovini qamrab oladi - hech qachon o'zingizning shaxsiy yoki yakka tartibdagi biznesingizning bankrotligi.)
• Agar siz kruiz liniyasida bron qilgan bo'lsangiz, bitta yoki bir nechta port to'xtash joylarida epidemiya tufayli bekor qilish, agar siz ulardan sug'urta sotib olgan bo'lsangiz, qoplanmaydi. Uchinchi tomon sug'urtasi odatda yaxshiroqdir, chunki agar ular karantin bo'lsa, kechikishlar uchun javobgar bo'ladi, shuningdek kasal bo'lib qolsangiz, har qanday tibbiy yordam. (ya'ni pulni qaytarib olish imkoniyatingiz ancha yuqori.)
• Garchi sizning uyingiz yashashga yaroqsiz bo'lganligi sababli (yong'in, toshqin va h.k.) bekor qilinadigan bo'lsa ham, agar uy egasi sizni ko'chib o'tishni istasa, ijarachilarga yoki uylarini ijaraga oluvchilarga hech qanday qoplama berilmaydi. Agar sizga yangi uy topish va narsalaringizni ko'chirish uchun etarli vaqtingiz bo'lsa, kengaytirilgan sayohatga bormang. Safarga buyurtma berishdan oldin har doim uy egasi oldindan qanday ogohlantirish berishi kerakligini (yaqinda qabul qilingan qonun bilan almashtirilishi mumkin) va ijara muddati tugashi kabi muhim sanalarni bilish uchun har doim uy-joy shartnomangizni tekshirib ko'ring.
• Xuddi shu tarzda, agar siz ijaraga beriladigan uyning egasi bo'lsangiz yoki ikkinchi ta'til uyiga egalik qilsangiz (lekin boshqa joyda sayohat qilsangiz), jiddiy zarar yoki vayronagarchilik holatlarida bekor qilinmaydi.
• Agar kasaba uyushma a'zolari ovoz berganidan keyin sayohat qilish uchun buyurtma bersangiz, aksariyat qoidalar ish tashlashni qamrab olmaydi tasdiqlash ish tashlash (bu haqiqiy ish tashlashdan bir necha hafta yoki oy oldin bo'lishi mumkin). Shuningdek, "kasallanish" kabi amaldagi ish tashlashlardan xabardor bo'ling - odatda aviakompaniyaning faqat bitta segmenti (masalan, uchuvchilar). Bir nechta qoidalar buni qamrab olmasligi yoki faqat kechikish sifatida qamrab olishi mumkin.
• Safarga bron qilinganidan keyin kutilmaganda ishsiz qolganligi uchun ishdan bo'shatish joyini topish oson, ish joyida minimal vaqt (odatda 3 oydan 6 oygacha), lekin agar siz uyga qaytishni kechiktirsangiz, sayohat sug'urtasi yo'qolgan ish haqini qoplamaydi. Buning o'rniga, xarajatlarni hujjatlashtirmasdan, har bir kechiktirilgan kun uchun ma'lum miqdorni to'laydigan siyosatni qidiring. Agar siz tez-tez sayohat qilsangiz, chiqadigan kechikishlar uchun da'volar bo'yicha yig'adigan narsalaringizni saqlang. Qaytish safariga kechiksangiz, bu yo'qolgan ish haqini qoplashga yordam beradi.
• Ba'zi bir qoidalar, agar urush holati (yoki "e'lon qilinmagan" urush) sababli, boradigan joy xavfli bo'lsa yoki yaqinda bekor qilinsa, lekin sizning hukumatingiz "sayohat qilish to'g'risida ogohlantirish" tufayli emas.
  • Agar da'vo arizasi berish uchun haqiqiy "urush e'lon qilish" zarur bo'lsa, unda sizning vaziyatingiz qo'llanilishi ehtimoldan yiroq emas, chunki 1945 yilda Ikkinchi Jahon urushi tugaganidan beri biron bir mamlakat rasman urush e'lon qilmagan. 1945 yildan keyingi ko'pchilik mojarolar bitta (yoki) ikkala tomon ham nodavlat aktyor sifatida.
  • Ba'zida Birlashgan Millatlar Tashkiloti "politsiya harakati" dan foydalanadi va mamlakatlar "urush holatida" ekanliklarini tan olishadi, ammo bu ta'rifga to'g'ri kelmasligi mumkin.
  • Asosan, siz tijorat shartnomasi bilan shug'ullanasiz. Urush, mojaro yoki xavfsizlik ta'rifi ko'pincha siyosat tafsilotlarida topilmaydi. Shunday qilib qamrov sug'urtalovchining qaroriga bog'liq bo'lishi mumkin ... sayohat qilgan joyingizga e'tibor berish uchun sabab. Agar puxta o'ylash savol tug'dirsa, siz o'zingizning sug'urta qildiruvchingizdan rejalaringizni bajarishdan oldin so'rashingiz mumkin.

Bekor qilishni bekor qilish to'g'risida g'amxo'rlik qiling sayohatingizni tashkil qilgan sayohatchilar yoki operatorlar va sayohatchilar / konsolidatorlar tomonidan taklif etiladi. Agar siz yoki ular bekor qilishlari kerak bo'lsa, bunday imtiyozlar, odatda, siz to'lagan pulni qoplaydi va siz kelib chiqadigan xarajatlar yoki boshqa tegishli majburiyatlarni o'z ichiga olmaydi. Agar bekor qilish paketlovchi / operatorning bankrotligi sababli amalga oshirilsa, imtiyozlar sizning xarajatlaringizni qoplamaydi. Yaxshi sug'urta ko'pincha bunday xavfni qoplaydi.

Asosiy ogohlantirish: Har qanday bekor qilish uchun siz barcha kelib chiqadigan, oldini olish mumkin bo'lgan xarajatlar / xarajatlarni minimallashtirishingiz shart.

Safaringizni davom ettirish

Agar ma'lum bir sabablarga ko'ra safaringizni qisqartirishingizga to'g'ri kelsa (odatda sizning yoki qarindoshingizning kasalligi), ba'zi bir qoidalar sayohatingizni keyinroq davom ettirishingiz uchun qo'shimcha qaytish chiptasi narxini to'laydi. Bu faqat ma'lum bir vaqtdan oldin amal qilishi mumkin (agar ta'tilga atigi 48 soat qolgan bo'lsa, ular sizni qaytarib yubormaydilar!).

Safaringizni uzaytirmoq

Agar sizning sayohatingiz sug'urta muddatidan uzoqroqqa cho'zilishi ehtimoli mavjud bo'lsa, siz qanday qilib polni uzaytirishingiz va sayohat paytida buni amalga oshirishingiz mumkinligi to'g'risida oldindan bilib oling. Agar siz hali ham uzaytirilishini talab qilsangiz, siyosatni uzaytirish odatda ancha osonroq: sayohat paytida, lekin hali sug'urta qilinmagan holda siyosatni olish qiyin. Bundan tashqari, agar siz o'zingizning siyosatingiz bekor qilinishiga yo'l qo'ysangiz, siz yangi siyosatni amalga oshirayotganda, hech narsa, shu jumladan tibbiy xarajatlar uchun qoplanmaysiz. Ko'pgina qoidalar sizning siyosat muddati tugashidan kamida 7 kun oldin muddatni uzaytirish to'g'risida ariza berishingizni talab qiladi.

Sayohatni rejalashtirayotganda, qaytib kelganingizdan bir necha kun o'tgach, o'zingizning siyosatingizni to'lang. So'nggi daqiqalarda kechikishlar yoki rejangiz o'zgargan taqdirda, sizning sayohatingizni uzaytirsangiz, sizga bir necha kun kerak bo'lgan siyosatni kengaytirishni tanlashingiz kerak. Ba'zi qoidalar, agar kechikish siz talab qilishingiz mumkin bo'lgan muammoning bir qismi bo'lsa, avtomatik ravishda uzaytiriladi: masalan, kechikishlardan sug'urta qilgan bo'lsangiz va kechikish sayohatingizni qamrov muddati tugaganidan keyin uzaytirsa, siyosat avtomatik ravishda uzaytiriladi. Bu, odatda, oldindan mavjud bo'lgan holatlarga yoki qariyalar kabi yuqori xavfli sayohatchilarga taalluqli bo'lmaydi, garchi siz qoplash uchun ariza berishda oldingi shartlarni to'liq oshkor qilgan bo'lsangiz ham.

Sizning siyosatingiz kengaytmalari hech qachon amalga oshirilishiga kafolat bermaydi. Ular har doim sug'urtalovchining ixtiyorida bo'ladi va sizning avvalgi da'volaringiz va muddatni uzaytirish to'g'risida ariza berishda oshkor qilgan boshqa ma'lumotlaringiz asosida rad etilishi mumkin (va, odatda, siyosat tegishli bo'lishi mumkin deb o'ylagan narsangizni oshkor etishingiz talab qilinadi) bekor). Ba'zi sug'urtalovchilar uzaytirilishi uchun barcha murojaatlarni mutlaqo yangi dastur sifatida ko'rib chiqadilar va sizni sug'urtalashdan oldin sizning holatlaringizni qayta ko'rib chiqadilar. Sizning ta'tilingizda yuzaga keladigan tibbiy muammolar muddatni uzaytirish uchun ariza berishda oldindan mavjud bo'lgan holatlar qatoriga kirishi mumkin va agar ikkinchi siyosatga murojaat qilsangiz albatta bo'ladi.

Yo'qotish, zarar etkazish va o'g'irlash

Sizning narsalaringizni o'g'irlash - bu sayohat sug'urtasi foydali bo'lgan yana bir holat

Ba'zi bir sayohat sug'urta polislari yo'qotishlarni qoplaydi yoki o'g'irlik sayohat paytida sizning narsalaringiz. Yo'qotilgan narsalarni yoki o'g'irlashni qoplaydiganlar odatda ishbilarmon sayohatchilarga qaratilgan eng qimmat siyosat qatoriga kiradi. Agar o'g'irlik uchun da'vo qilsangiz, siz a politsiya hisoboti o'g'irlik haqida va hujjatlarni olish, politsiya hech qanday choralar ko'rishi ehtimoldan yiroq emas. Sug'urta kompaniyasi qiladi emas da'voni politsiya hisobotisiz to'lash. Uchinchi dunyoda, politsiya bilan ishlashdan oldin har doim mahalliy maslahat so'rang, ayniqsa nisbatan kichik yo'qotish uchun.

Sizga ma'lum bir qiymatdan yuqori bo'lgan narsalar ro'yxatini taqdim etish va ularni sug'urta qilish uchun qo'shimcha mukofot to'lash kerak bo'lishi mumkin. Kamera va noutbuk kabi qimmatbaho va osonlikcha yo'q qilinadigan holatlarda, qoidalar mumkin faqat zo'ravonlik bilan o'g'irlik yoki majburiy kirishni qoplash, masalan, agar siz o'zingizning narsalaringizni xonada qoldirsangiz va ular o'g'irlansa, majburiy kirish bo'lmasa qamrab olish bekor bo'lishi mumkin. Zararni talab qilishni ko'rib chiqayotganda, shartlarni diqqat bilan tekshirib ko'ring: ko'plab qimmat va mo'rt buyumlar faqat siz olib yurganingizda zarar etkazilgan taqdirda qoplanadi. Sizning narsalaringizga etkazilgan zararni, agar ular tekshirilgan yuk sifatida sayohat qilsalar, ularni istisno qilish juda keng tarqalgan - siz ularni qoplash uchun o'zingizning shaxsingizda saqlashingiz kerak. Qarovsiz avtoulovlardan o'g'irlanish, shuningdek, naqd pul, pul o'tkazmalari, sayohat cheklari va kredit kartalarini o'g'irlash va ayniqsa oddiy yo'qotish kabi cheklangan qamrovga ega bo'ladi. Ikkinchisiga kompaniyaga murojaat qiling, chunki ular odatda sizning zararingizni qoplaydi. (Qarang Pul maqola.)

Shaxsiy javobgarlik

Shaxsiy javobgarlik sizning beparvoligingiz natijasida qonuniy javobgarlikka tortilgan har qanday zarar, kompensatsiya va sud xarajatlari xarajatlarini qoplaydi. Masalan, agar siz tasodifan mehmonxonangizni yoqib yuborsangiz, mehmonxona yoki uning sug'urtalovchisi ta'mirlash xarajatlarini qoplash va yo'qolgan daromad uchun zararni qoplashi mumkin.

Umumiy istisnolar

Agar sizning tekshirilgan yuklaringiz o'g'irlansa, sug'urta sizning barcha zararingizni qoplamaydi

Ba'zi sug'urtalovchilar tibbiy faoliyatni yoki muayyan faoliyat bilan bog'liq har qanday boshqa xarajatlarni to'lashdan bosh tortadilar. Ularning ba'zilari sug'urta bilan umuman qoplanmaydigan katta xarajatlarga olib kelishi mumkin. Sug'urta polisini diqqat bilan o'qing, lekin siz quyidagilarni alohida ko'rib chiqishingiz mumkin:

• Oldindan mavjud bo'lgan noxush hodisalar - Agar siz noxush hodisa (masalan, bo'ron, epidemiya) e'lon qilinganidan keyin sayohatni sug'urtalashni sotib olsangiz, siz ushbu voqea uchun javobgar bo'lmaysiz.
• Kerakli vizalarni ololmaslik va h.k. - Agar sizga zarur bo'lgan vizani yoki sayohat uchun avtorizatsiyani olishni unutganingiz sababli biron bir mamlakatga kirishingiz rad etilsa, sizning sayohatingiz sug'urtasi sizning sayohatingizni bekor qilishingizni hisobga olmaydi.
• Mototsiklda yoki skuterda yurish, garchi ba'zi janubi-sharqiy Osiyo va Karib dengizi mamlakatlarida keng tarqalgan bo'lsa-da, agar siz mototsikl litsenziyasiga ega bo'lmasangiz, ushbu litsenziya qamrab olinmaydi va ushbu litsenziya siz minadigan mamlakatda amal qiladi.
• Sarguzashtlar sporti jarohatlarga olib keladigan ko'pincha qoplanmaydi. Bunga rejalashtirilgan tijorat reysida bo'lmagan paytda uchish ham kiradi (masalan umumiy aviatsiya), yoki hatto suzish havzasidagi sho'ng'in hodisasi.
• Uchinchi tomonning o'g'irlanishi, agar siz velosiped yoki mototsiklni yollasangiz, o'g'irlik uchun qoplanishini kutmang - garchi sizning ijaraga olingan mashina bo'lishi mumkin.
• Tekshirilgan yuklardan va avtoulovlardan o'g'irlik. Avtomobillarda qarovsiz qoldirilgan qimmatbaho buyumlar, samolyotga topshirilgan noutbuklar, kameralar va boshqa qimmatbaho buyumlar ko'pincha qoplanmaydi. Agar tekshirilgan yuklardan bo'lsa, siz aviakompaniyaga da'vo qilishingiz mumkin.
• Jinsiy yo'l bilan yuqadigan kasalliklarOIV, shu jumladan.
• Noqonuniy faoliyat Yodingizda bo'lsin, bu siz tashrif buyurgan chet elni noqonuniy deb ta'riflagan narsani anglatadi. Chet elda qonunlar juda farq qiladi.
• Tibbiy turizm - Agar siz tibbiy maqsadda sayohat qilsangiz, davolanish natijasida kelib chiqadigan har qanday xarajatlar qoplanmaydi.
• Giyohvand moddalar yoki alkogol ichimliklar ta'sirida bo'lgan baxtsiz hodisalar
• Yadro, biologik yoki kimyoviy qurol Garchi kutilmagan terroristik hujumlar odatda sayohatni sug'urtalash bilan qoplansa-da, ko'pgina siyosat, terrorchilar yoki milliy armiya tomonidan sodir etilgan bo'lishidan qat'i nazar, ularning har ikkalasi bilan bog'liq hodisalarni qoplashni aniq ko'rsatib beradi.

Boshqa istisnolarga, shuningdek, sizning harakatlaringiz natijasida sodir bo'lgan barcha narsalar kiradi urush, isyon yoki tartibsizlik. O'z joniga qasd qilish yoki o'ziga zarar etkazish deyarli har doim chiqarib tashlanadi.

Some policies may exclude all coverage in certain countries or regions within countries. This is usually due to danger or serious health issues. Check the fine print of your policy, e.g., in one section of the policy it mumkin explicitly list a country as eligible for coverage, and then in another section exclude coverage in any country listed on certain government websites, such as the World Health Organization or Britain's Tashqi ishlar va Hamdo'stlik idorasi. However, some insurance companies cater to this niche market.

Usually, as soon as your insurer repatriates you to your home country, their responsibility for your health care ends (though bezgak might be covered for a year).

Older travelers

Senior tourist boarding a tram in Lissabon

Travel insurance becomes increasingly difficult to get after age 65, with your age alone being considered something of a pre-existing condition. The precise cutoff for receiving insurance without an additional premium and/or medical examinations varies from 55 to over 70 for some insurers. As you age, you will face increasingly higher premiums and perhaps excess charges or deductibles on claims, and your existing medical conditions may be partly or totally excluded. This varies somewhat by insurance company and whichever country you reside in.

Excess/deductible

Some policies have an ortiqcha yoki deductible amount. This is the amount you have to pay out of pocket before your travel insurance starts paying out. In general, the lower the deductible, the yuqori the insurance premium. Travel insurance with a $5,000 deductible can be as little as $10/month: that means you will have to pay out of pocket for minor expenses or even a mid-level problem like a broken wrist, but it iroda be a financial lifesaver if you have a serious accident.

Cautions about coverage

As noted above, quality coverage can be crucial. The legal terms will be declared in the detailed contract. You should be offered a copy before you purchase the policy, and carry it (in some form) with you while traveling.

To judge one part of that quality, review carefully terms that could "excuse" the insurer from paying benefits, e.g., going to destinations declared especially dangerous by your government, medical or medical evacuation costs induced by a terrorist act, or whether siz have the option to cancel or cut-short your trip due to what you may (rightly or wrongly) perceive as too much danger...even an unforeseen forecast of terrible weather. If in doubt, call and discuss details of your trip and coverage with an agent of the insurance company.

Example tables of coverage

In concert with the above discussions, these tables reflect coverages under three kinds of multi-coverage policies offered by one reputable insurer as of 2012. The first table reflects “top level” coverage items. You should see most/all such features (and perhaps others) immediately mentioned by a policy. You'll notice that the "Moderate Coverage" (Cvg) and "Deluxe Cvg" examples here are better oriented to international travel.

This next table reflects sometimes hidden details of coverage, in this case just for “Trip/flight cancellation or interruption". A good insurer will explain any qualified details/exceptions behind every major/top-level type of coverage offered.

Some coverages may be increased by paying additional premiums, e.g., for rental car liability. Others must be obtained through a separate policy, e.g., under "Injury" you may have no coverage if you voluntarily participate in risky or violent activities such sky-diving or rugby...unless you opt and pay for a special option (or rider), perhaps after describing the activity to the insurer. If they decline, you face getting a separate policy, perhaps from the same insurer...if you're so inclined. Having already bought a policy, some insurers mumkin allow you to later increase coverage... except for pre-existing conditions unless you bought it before or promptly after your first cost commitment to your trip (see "When to buy" below).

As discussed above, look at the details thoroughly, especially if contemplating a trip to distant lands. Once you have done this once and were happy with the insurer, for subsequent travel you may only need to quickly consider their same policy and options before buying it.

Sotib oling

Travel insurance from a vending machine? Only in Japan!

You can obtain travel insurance direct online, through your travel agent, your normal insurers, or any one of a number of specialist travel insurers. Shop around. Because travel insurance policies are somewhat interchangeable, there are a number of websites where you can compare policy costs.

Like most insurance, the lowest tier has the highest cost per amount of coverage. This occurs because every claim—no matter how large or small—feeds from the lowest tier. In comparison, very few claims go into the highest tier. If you want $250,000 of Medavac insurance, you're going to pay for it. But if you want $1,000,000 coverage instead, the premium increase is very modest. Of course it's a waste of money to insure your belongings for more than they're worth, but catastrophic injury, illness or a major delay could happen to anyone.

You purchase travel insurance for international trips through an insurer in your country of residence, i.e., the country to which you'd want to be evacuated to or return to after a serious medical emergency, and/or the country you'd need to travel to in the event of the death of a non-traveling close family member. These are assumed to be the same country. However, if you have close family residing abroad, many insurers would accommodate travel to any part of the world, provided you'd pay by credit card any difference in air fare.

If you are a member of a travel association or large professional group, you may find that it offers or endorses an insurance provider that provides extra cover or better rates. Failing that, you may find cover through an on-line search. But take care that the company has a good reputation, e.g., from friends/family who have had to file claims, or local travel agents (mere on-line reviews/ratings may not be genuine). The discounts available here can be huge. A $20 membership of your local bridge club may save hundreds when you realise you can be covered under their annual travel insurance.

Very regular travelers taking three or more trips a year may find that "ongoing" or "periodic" travel insurance, typically purchased a year at a time, can be cheaper than insuring each trip individually. As long as your ongoing insurance is valid, you don't need to remember to buy insurance every time you go somewhere and you will probably save some time and hassle as well. Most major travel insurers offer such policies. Large businesses often purchase such insurance for their key or frequent travellers. Beware that even as the travel insurance is ongoing, there may be a limit on how many days at a time you may be traveling — usually not more than one or a few months. This is because travel insurance is for sayohat, not a cheap solution for expats going abroad for months or years. If you're going on a very long trip, check this, and contact your insurance company if needed.

Some credit card companies insure trips purchased with certain types of credit cards they issue. Coverage will almost always be strictly limited to the costs of travel so purchased. Credit card insurance may be invalidated for travelers who paid travel deposits in cash rather than using the card. Many cruise and travel agencies offer travel policies for travel booked through them. Costs and quality of coverage can vary widely, so examine terms carefully. Business travelers or university students on exchange may be covered by a company-wide insurance policy, but if you intend to take any side trips or have a short vacation check the coverage. Usually, these must be of a fairly short length to be covered by such a policy. Bunga ishonch hosil qiling check any "existing deal" carefully, and ideally get confirmation in writing.

Avoid:

• Flight insurance, sold at some airports, is simply a very overpriced form of accidental death coverage policy valid only for the duration of your flight. Don't waste your money; even casino gambling and lotteries have much better odds than flight insurance. To put this in perspective, since 2009, only one claim could have been filed over the death one person in the U.S. for flying on a domestic jetliner.

Cruise insurances only cover the cruise itself, and not even all of what may happen onboard

• Cruise insurance (most cruises should be insured, but not with this type of coverage). Temptingly modest in cost, many such policies cover few risks at very basic levels (rarely medical care or evacuation), only during your cruise, and only for activities/tours sold by the ship. In reality, you'll likely have many risks before, during, and after your cruise that won't be covered, such as troubles before the trip starts and flying to/from embarkation/debarkation ports. In contrast, coverage from a major travel insurance provider (i.e. they insure not just cruises, but all major forms of travel) is usually much better.
• Airline insurance While far better than flight insurance (above), it is also very restricted. These policies are sold at the time of buying an airline ticket online. You will usually get better value with a more comprehensive policy. Exception: If you're flying one-way to stay somewhere for months or years, this type of coverage might be the best. Always check the details for valuables and exclusions. Also, be sure to have insurance as a local resident would when you arrive.

When to buy

You will get the best value and coverage from your policy if you purchase it as soon as your travel plans are final. Your travel insurance will only cover you from the day you purchase your policy, so if you are injured and unable to travel the day after you buy your ticket you won't be covered unless you have already purchased your insurance. Any medical conditions you have or may develop between booking your trip and buying your travel insurance will be considered "pre-existing". Any outbreak of violence, anywhere on your itinerary, that occurs before you purchase your policy probably won't be covered by a claim; if after purchase, and great danger (e.g., violence/combat) can be expected, many policies will not cover their consequences. Natural disaster coverage can vary widely among insurers. After examining coverage descriptions on their web site (if any), consult with an insurer's agent for advice about their various policies, variable coverages, and any locations on your itinerary that may have or create complications.

You can purchase travel insurance as late as your day of departure, although if you have pre-existing conditions (some that may need to be evaluated and accepted by the insurance company) you would usually be out of luck. Asosan, good policies/coverage options can cover many or all pre-existing conditions (sometimes at modest costs for those options), but only if you buy coverage within a very short time after booking your travel ("booking", as distinct from when you pay for it); a few others may allow purchase of such coverage up to two weeks after booking. (See "Pre-existing conditions" below) If you book a trip long before it will begin, better insurers will let you buy an initial policy that covers your trip deposit, unavoidable risks, and pre-existing conditions. Siz .. qila olasiz; siz ... mumkin then later increase the policy's monetary coverage by paying an additional premium for increased risks or trip expenses, e.g., right after you've paid the rest of the trip cost.

Xarajatlar

The price of travel insurance depends on many things; who is traveling, where, how, for how long...

There are a number of factors that generally influence the cost of a policy.

• Committed cost of trip. This means those costs (to you) which will be forfeit/lost if any travel must be cancelled. For road trips, they may only include deposits or full payments for lodging. For flying trips, they at least include airfares purchased. For cruises, they can include flight costs plus those for the cruise... first perhaps a cruise deposit, later the final payment. You would be wise to include a reasonable-worst-case estimate for possible, incidental costs induced by trip cancellation.
• Number of travelers. Some travel insurers will cover dependents and families at a reduced cost.
• Yoshi. Once you/members of your party reach 55 to 60 years of age, premiums can rise (though it's common to give discounts to much younger travelers). At older ages, some companies refuse insurance entirely, or add a significant surcharge.
• Muddati. Policies are generally sold for date ranges, e.g., the defined duration of a trip. If your trip is just one day over the limit, you may not be reimbursed.
• Destination region. Exotic destinations may be cheaper than destinations like North America, where health costs are higher. But distance from home is a more basic determiner of risk to the insurer (and so cost to you), e.g., for medical evacuation.
• Pre-existing conditions. These are usually assessed by the insurance company once you make a claim. Coverage for them can result in an additional premium, seldom policy refusal. (As above, they may be covered if you sign up soon after booking travel with a good insurer.)
• Additional coverage. See the example coverage tables above. Some coverages listed can be individually increased depending on the details and needs/risks of your particular trip.
• Valuables. There is usually a limit to value for loss or theft in the base policy.

Do not fail to declare to the insurance company all relevant details as you buy coverage; otherwise, they may not honor your claim.

Claim

Traffic accidents account for many hospitalized travelers

Read your insurance companies procedures if you incur any expense that may result in a claim. If in any doubt, contact the insurer. Some insurance companies may require you to contact them before incurring any form of medical expense—they may have specific doctors and hospitals they will make arrangements with. If you require emergency treatment or are taken to hospital, inform them as soon as possible. Keep the expenses you incur to a minimum, and keep documentation for reimbursement.

Most policies require a police report to be filed for any items lost or stolen, but can offer an alternative in some cases, which can be useful in countries where it costs money to file a police report. You may need some proof of ownership to present with your claim.

Do not arrange your own evacuation unless your life is in danger and you or your companions cannot talk to the insurer first. As explained above, your insurer may have fully-effective, alternate means to arrange what you need, and avoid one-time costs with Medavac companies they don't normally do business with. Your travel insurance won't pay (or pay fully) if evacuation is otherwise self-arranged. In case of unavoidable self-arranged evacuation, go no further than what's necessary to obtain proper care—not all the way home (in most cases).

Hammasi claims should be filed promptly. Most insurers have a limited period of time after a given event for which you can claim associated expenses—usually no more than a year.

Your trip insurance is secondary coverage for your trip. That means you have to make every effort to recover your costs from other parties before making a claim. Ask for refunds from providers for all or part of the costs of tours, lodging, etc., that you had to cancel. Afterwards, make insurance claims for the outstanding amounts.

You have a duty to avoid unnecessary costs as you arrange for the premature end of your trip, e.g., notify tour operators/hoteliers of your circumstances and cancel what you can to obtain all possible refunds, don't use (or make claims for) five-star hotels and first-class air for the rest of your group if that was not already part of your trip.

False and exaggerated claims can be prosecuted in your home country as "insurance fraud." Overall, this causes everyone's premium to rise for insuring their trip.

Practical matters

Purchase of travel insurance still means that most clinics and hospitals may require payment in advance, or sometimes by incremental payment as various services are rendered. This may require access to a quite significant amount of cash to keep things moving...or at least an accepted credit or debit card with significant resources behind it. You'll later make any claim with the insurance company upon your return home. This is almost always the case if the problem is one that can be dealt with on an outpatient basis. For in-patient care, you're best off if your insurance company has an agreement with the provider or immediately establishes one...if feasible. Otherwise, your out-of-pocket bill (for your credit/debit card) can become very substantial.

Major travel insurance companies may be slow to respond with appropriate assistance and equally slow to refer a claimant to a suitable medical service...especially in less-developed areas. Delays may be experienced if the insurer is slow or indecisive in authorizing treatment. Difficulties may arise from an insurer not authorizing a payment guarantee to the local medical services provider. Delays in rendering appropriate treatment are a common outcome. Try to gain a comprehensive understanding of the policy terms and limitations of your travel insurance cover well before departing your home country. And try to understand the limitations of coverage and treatment during a political or military crisis as well.

Some travel insurance companies and their emergency response centers may not live up to your own expectations of regional knowledge, appropriate case management and speedy response. Your best approach is always common-sense, some basic pre-departure research about your destination and the application of good situational awareness whilst traveling. Try to have your own plan in place to deal with any crisis you may encounter when traveling rather than relying solely upon a perhaps inadequately skilled or under-qualified person sitting in a distant call center who may have their role complicated by problems with language. That can compromise communication and access to the insurer's decision makers.

If staying a while in one location, you may wish to carry the names and contact numbers of one or two of the major local medical and evacuation providers so that you know how to quickly obtain medical assistance should an emergency arise. Always ensure that you contact your insurer as soon as possible should an emergency occur. Otherwise, you may find out later that they are unwilling to accept any liability for payment for what should be legitimate expenses.

Always keep a thorough record of all expenditures for any service likely covered by your insurance, as well as communications with your insurer. This includes full and detailed invoices and receipts for all services provided and any incidental costs. If you do not understand the detail of anything you've been billed for, ask for an explanation. If an explanation is not forthcoming or it looks excessive or unnecessary, withhold payment or authorization until you receive an acceptable explanation.

Xavfsiz bo'ling

If you are travel to a urush zonasi for some reason, don't expect to be able to purchase insurance

Many insurers specifically exclude travel to countries and areas known to be extremely dangerous. As a rough guide, agar The US State Department yoki your own country's government recommends against any travel to a particular country or area, you will find it difficult to get insurance coverage or benefit from what you already have. As above, always check the terms carefully, and if you are traveling to an unstable region, keep an eye on the travel warnings for any updates that might invalidate your insurance or "neutralize" its coverage while there.

If you have to travel to a urush zonasi for work, your employer will usually arrange and bear the cost for special insurance with very high premiums. Check with your employer before you leave to be sure.

Ulanmoq

If you are incapacitated, your travel companions or contacts at home will need to deal with the insurer, so make sure they have contact details and are legally empowered to act in your interests, e.g., in the policy. Most insurers have a 24-hour hotline that you can call. Often, this service is an advice hotline and the insurer may transfer you to their professional staff or those in your area to advise you about medical facilities and services available. If you or a travel companion can first inquire locally about medical capabilities, that can also be useful.

Make and carry copies of your policy and your insurer's contact details with you. They need to show the insurer's e-mail address and international phone numbers for advice/authorizations and making claims. Have another copy in your luggage and online (e-mail to yourself with attachment, or stored in the "cloud"). If traveling with a laptop or tablet, store a copy in its memory or disc (accessible without the internet). Also give policy/contact copies to traveling companions and relatives or friends back home willing to help. They must know with whom, and how you are insured. If you are traveling to more remote areas (especially alone), give a copy (or at least basic information) to whichever local person is most responsible for hosting your visit, such as the resort manager or tour guide.

Har doim legally authorize medical care for your minor children and teens when you travel apart. In many countries, minors cannot consent to medical treatment, and doctors can only give life-saving care — nothing more — without your permission. Grandparents and other close family are emas automatically authorized to consent. If there were any delay in contacting you, medical personnel cannot set broken limbs, give pain relief, etc. This applies equally to minors staying at home without a custodial parent, and trips where minors and their parents will be in different locations at times during their travels. Avoid casually written permissions, and use a power of attorney legal document, where you choose another adult to make such medical decisions. This can be har qanday competent adult, and doesn't have to be (and usually isn't) an attorney. Ready-made forms are available from libraries, bookstores, or online, and just fill in the blanks. Check if notarization is required, and where needed, have a certified translation in the legal language of the country where the minors are staying. (Inquire with the embassy or consulate in your area.)

Don't forget to leave the documents with whomever is caring for your children. Instruct them to bring it to the doctor's office or emergency room, but emas give it to any ambulance or paramedic crew. This is considered "essential care" (no permission needed), and you run the risk of the documents getting lost. It can wait until your children's caretaker arrives at the hospital, as it will be some time before permissions will be needed. Storing them in a safe place in the caretaker's vehicle will insure they are not forgotten.

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