Everyone who is going on a trip needs an insurance policy. The most important reason is not that without it you will not be given a visa, but that the policy is a guarantee that if you get into trouble, they will come to your aid.
Availability insurance policy is mandatory for the countries of the Schengen group; for other countries such insurance is not strictly mandatory and is done by the tourist at will.
Tour operators often include insurance for those traveling abroad to popular destination countries in the tour price, without providing a choice. You have the right to refuse the insurance included in the tour package and buy it yourself.
Travel companies as legal entities use a number of services from insurance companies. However, in the tourism business there are additional types of voluntary and compulsory insurance.
Insurance in the tourism system is classified into the following types:
1. insurance of the tourist and his property;
2. risk insurance for travel companies;
3. insurance of tourists on foreign trips;
4. insurance of foreign tourists;
5. insurance civil liability;
6. insurance of civil liability of owners vehicles;
7. Accident insurance with coverage medical expenses.

Voluntary and compulsory insurance
Insurance can be voluntary or compulsory.
To the number mandatory types insurance in accordance with current documents include:
1. civil liability insurance for vehicle owners;
2. transport travel insurance.
Other types of tourist insurance are voluntary. Insurance of tourists and their property includes liability for loss or damage to tourists’ property. The validity of such a contract begins from the moment the insured person leaves his permanent place of residence and ends at the moment he returns. Tourist and personal property that tourists carry with them can be insured under such an agreement. Luggage refers to the tourist's registered and unregistered belongings. In addition, items on his clothing and body, as well as those purchased during a trip abroad, are subject to insurance.
Types of insurance liability: accidents, fires, explosions, natural disasters, robberies, thefts and other intentional and malicious actions, military actions, etc.

Insurance for tourists on foreign tourist trips usually includes:
1. providing emergency services to tourists medical care during a trip abroad in case of sudden illness or accident;
2. transportation to the nearest hospital capable of providing quality treatment under appropriate medical supervision;
3. evacuation to the country permanent residence under appropriate medical supervision;
4. in-hospital control and informing the family and the patient;
5. provision of medical supplies if they cannot be obtained locally;
6. consulting services specialist doctor (if necessary);
7. payment of transportation costs for the delivery of a sick tourist or his body to the country of permanent residence;
8. repatriation of the remains of a tourist;
9. rendering legal assistance tourist when investigating civil and criminal cases abroad.

The following are not considered insured events:
diseases and injuries received as a result of committing illegal actions or in a state of any (drug, alcohol, toxic) intoxication.
exacerbation of chronic mental illnesses, suicide attempts.
expenses for treatment in sanatoriums.
cosmetic and plastic surgical operations.
all dental care with the exception of emergency assistance(if you have a toothache, etc.).

Short-term and long-term insurance
To apply for insurance, you need to take your international passport and contact the department foreign insurance any insurance company. When concluding a contract, be sure to read the “memo to the policyholder”, and if you have any questions, sort it out with the manager of the insurance company. There are two types of insurance: short-term (i.e. you enter into an agreement with a company for a certain number of days, the policy indicates the dates of departure and arrival) and long-term (you are insured for no more than 60 days and can travel abroad several times during this time ).
There are four insurance programs. They are designated A, B, C, D. Each option implies a certain range of insurance services.
Option A (the most common) includes evacuation of the victim to a medical facility and medical expenses in the event of an accident or sudden illness.
Option B, in addition to these services, also includes payment for a visit from relatives to the insured person and the provision of dental care (only in case of acute pain or pain caused by injuries in an accident).
Option C also includes legal (opportunity to contact a lawyer) and administrative assistance (return of incorrectly sent luggage, preparation of new documents to replace lost ones, etc.).
Finally, option D also provides services in case of breakdown of personal vehicles or in case of driver illness.
When concluding an insurance contract, the sum insured is selected according to the country of destination and classified according to the need for minimum coverage.

Personal travel insurance

According to Federal law“On the organization of insurance business in Russian Federation"(1997) personal insurance represents the relationship between policyholders (legal entities and capable persons) and insurers (legal entities) for the provision of insurance services, when the protection of property interests is related to the life, health and ability to work of policyholders and insured persons.
Insured for personal insurance of tourists can be both individuals and legal entities (tourists and travel agencies), and only tourists can be insured. However, personal insurance in any case is always associated with the individual ( an individual). For example, a travel agency ( entity) how an insurer can provide personal insurance to its employees at its own expense as insured persons. Incapacitated persons can also act as insured tourists: children under 16 years of age and persons under 80 years of age. At the same time, every person has the right to protection of the property interest associated with his personality, i.e., the policyholder in personal insurance can simultaneously be the insured person. However, personal insurance can be considered as protection of property interest.
Personal insurance for tourists is inherently an additional form of state social insurance and social security, which is reflected in Article 10, paragraph 4 of the Federal Law “On the Organization of Insurance Business in the Russian Federation”, which states that insurance coverage is paid to the policyholder, the insured or a third party, regardless of the amount owing to them under other insurance contracts, as well as under social insurance, social security and in order to compensate for damages. This means that in relation to personal insurance of tourists, the principle of “double insurance”, which applies to property insurance, does not apply.
Sum insured(insurance coverage) under a personal insurance contract for tourists, within the limits of which insurance payments are made, can be set in any amount agreed with the insurer.
Payment of insurance coverage is made if the insured event corresponds to the insurance events specified in the contract, as well as the rules and conditions of insurance.
When insuring tourists, insured events usually include death (death), as well as short-term, unexpected, unintentional illnesses and accidents (poisoning, injury, etc.) that occur only in the places provided for by the tour package, and not in random places. bars, cafes, during recreational water skiing, hang gliding, horseback riding, etc. P.
Chronic, infectious and recurrent diseases (cardiovascular, oncological, tuberculosis, dental and other diseases) cannot be considered insurance events for personal insurance of tourists.
Since tourist insurance in our country is voluntary and a potential tourist can purchase a policy (certificate) from any of the insurance companies involved in tourist insurance, before concluding a contract he must find out the insurance conditions and for which insurance events insurance is provided. And if the tourist violates or fails to fulfill at least one of the listed conditions, the insurer reserves the right to non-pay the insured amount. The conditions of personal insurance for tourists indicate such sanctions that are not covered by insurance liability. For example, sanctions in case of illness, accident and death include intentional actions of a tourist (using alcohol or drugs, participating in fights, rallies, processions, making crossbows, suicide).
Personal insurance for tourists traveling abroad usually means voluntary medical insurance - in case of sudden illness or bodily injury received by the policyholder (insured) as a result of an accident that occurred while staying abroad. Standard contract health insurance stipulates that when you travel, you are in good health, free of physical impairment or infirmity, and not subject to chronic or recurrent disease.
Currently, when insuring tourists, two conditional schemes for personal insurance of outbound tourism are used:
compensation, which was most widely used previously in domestic insurance;
service (or assistance) providing a range of insurance services abroad.

Compensation and service insurance
The first form includes payment of all expenses by the tourist himself and subsequent compensation upon return to Russia. This is very inconvenient, because... the tourist does not know in advance how much he should take.
With service travel insurance, having concluded an agreement or contract with an insurance company, it is enough to call one of the specified dispatch services, provide your policy number, surname, and the victim will be provided with the necessary assistance. The travel agency chooses itself insurance company, which, in turn, will take responsibility for providing timely assistance and paying expenses.
Civil liability insurance is used by tourists traveling in personal cars, motorcycles or other vehicles, which are sources of increased danger. This type of insurance is also used in cases where the object of insurance is the liability of the insured to third parties.
This insurance is mandatory in most countries. In Russia, such insurance is regulated by the above regulations. In accordance with Decree of the President of the Russian Federation dated July 7, 1992 No. 750 “On state compulsory insurance of passengers” (with additions and amendments), compulsory personal insurance against accidents was introduced on the territory of the Russian Federation for passengers of air, rail, sea, inland waterway and road transport , as well as tourists and excursionists making intercity excursions through tourist and excursion organizations, for the duration of the trip (flight).
It is worth noting that compulsory personal insurance does not apply to passengers:
1. all types of transport for international communications;
2. railway, sea, inland waterway and suburban road transport;
3. sea and inland water transport of intracity communications and crossings;
4. automobile transport on city routes.
It has been established that before the law of the Russian Federation regulating the provision of insurance protection for passengers (tourists, excursionists) comes into force, compulsory personal insurance of these persons is carried out by conclusion in the manner and on the conditions provided for by law Russian Federation, contracts between relevant transport, freight forwarding enterprises (hereinafter referred to as carriers) and insurers. Licenses to carry out this type of compulsory insurance are issued to insurers in the manner prescribed by current legislation.
Insurance against accidents with tourists abroad is usually carried out within the limits of the insurance amounts agreed upon in the contract, and compensation is paid upon the occurrence of:
1. 3rd group disability - 50% of the insured amount;
2. disability group 2 -75% of the insured amount; death -100% of the insured amount.
Insurance of tourists' expenses during an unsuccessful trip is implemented on the basis of the insured amount agreed upon in the contract ( insurance compensation), which is paid in full or in part when the impossibility of traveling occurs for the following reasons:
1. sudden health disorder or death of a tourist, or members of his family, or close relatives;
2. damage to the tourist’s property as a result of impacts environment or actions of third parties;
3. participation of the tourist in legal proceedings at the time of the proposed trip;
4. receiving a call to perform military duty;
5. failure to obtain an entry visa when all document requirements are met;
6. other reasons recognized in the contract.

Property insurance for tourists
Throughout the civilized world, the practice of property insurance for travel companies, tourists and travelers has been accepted for a long time.
It has become an axiom that international and domestic tourism It is unthinkable today without insurance. An insurance policy is a necessary component of the tourist service, guaranteeing tourists (travelers) safety and comfort, and is gradually being introduced on Russian soil.
It is safety and comfort that provide tourists with insurance of property both transported with them and used during travel and financial (commercial) transactions.
Tourist property insurance includes insurance of both personal items (cameras, cameras, tape recorders, clothing, etc.), which the policyholder and his family members (insured) have with them or transport by means of transport, and tourist property (sports, ski, boating, etc.).
Currently insurance activity is becoming popular both in the Russian Federation and in the Commonwealth countries. Created a large number of insurance firms and companies, but only a few of them can provide effective travel insurance foreign countries. Everyone else pretends that the problem of insuring tourists does not exist, and in pursuit of low prices for tours they quietly wait for an upcoming accident, essentially deliberately deceiving tourists and acting at their own risk. At the same time, an accident may occur to any person traveling abroad on a business or tourist trip. The likelihood of this occurring during a short trip (3-7 days) is quite low (1-2 cases per 100-150 tourists). The most common accidents are loss and theft of property, robbery, breakdown and destruction of property as a result of vehicle accidents, various types of illegal actions of third parties and insurers (owners of sports shows, hotels, motels, etc.).
The legal relations of travel agencies and tourists (policyholders and insured) with insurance organizations (insurers) are stipulated in detail in the property insurance contract and the Conditions for a specific type of insurance event, which are developed by each insurance organization independently within the framework of the general Insurance Rules developed by Rosstrakhnadzor on the basis current legislation Russian Federation.
Thus, with property insurance, the legal relations of travel companies (insured) and tourists (insured) with insurance organizations (insurers) are stipulated in detail in the property insurance contract and in the Rules (Conditions) for a specific type of insurance event, which are developed by each insurance organization independently within the framework of General rules property insurance developed by the Department of Insurance Supervision on the basis of the current legislation of the Russian Federation. As an example, consider a conditional insurance protection scheme voluntary insurance property of a travel company.

Is insurance necessary?
First, many countries require a policy so that if you get sick or have an accident, you can get medical care (which is quite expensive). Secondly: when traveling to equatorial countries, as a result of a sharp climate change, which cannot have a beneficial effect on well-being and will require seeking medical help. And thirdly: close relatives (children, parents, etc.) can go on the trip with you, so you save a small amount of insurance premium when booking a tour.

What to do in an unexpected situation?
Firstly, you should always have your insurance policy with you, because... in case of an unforeseen situation, you will be able to immediately contact the insurance service dispatcher. Please note that the policy must indicate a return address or telephone numbers to call for assistance. Secondly, you need to call the dispatcher at any time of the day and give your details and the number of your insurance policy or plastic ID card, as well as indicate your location and telephone number where you can be contacted. No further action needs to be taken.

One of the important points of an insurance contract is the deductible. This is a special agreement between the insurer and the client that the latter assumes a certain portion of the losses. The amount is always fixed. It is this that the tourist himself can pay upon arrival. insured event.

Thanks to this item, insurance can be 20-40% cheaper. Such a significant reduction in cost is due to the fact that with a franchise both parties remain profitable. It gives insurers the opportunity to reduce losses and the frequency of claims, and tourists - save on insurance.

When an insured event occurs, you pay the amount specified in the contract, and the company bears only the remaining costs. On the one hand, this simplifies the procedures, but on the other, it can lead to situations where prices for services increase sharply, and you cannot count on full payment from insurance. In most cases, the amount does not exceed 3 dollars for health insurance or can reach up to 15% of the tour price. The last option is prescribed for travel insurance.

Types of franchise

There are three main types:

unconditional;
conditional;
dynamic.

An unconditional deductible involves paying yourself a small part of the cost of treatment. This means that with an unconditional deductible of $100, you need to pay this amount of money regardless of the cost of the services received. This view is considered one of the most unprofitable for tourists. Therefore, the cost of such insurance is the lowest.

The conditional type allows you not to pay for services out of your own pocket at all if the cost of the insured event exceeds the deductible amount. You can clearly see the features of such insurance using an example. If medical insurance is indicated in the clause of the contract at 100 dollars, treatment in the amount of 101 to 50 thousand dollars will be paid in full. This type is beneficial to all parties and is popular.

Dynamic differs in that it is not fixed and consists of a percentage. Usually, with the occurrence of each subsequent insured event, the amount of payments for it decreases more.

Advantages and disadvantages

The advantages include not only financial benefits due to reduced contributions, but also time savings. If the damage from the insured event is minimal, you will not need to waste time interacting with the company or filling out unnecessary documents. Some insurance companies offer the opportunity to get a discount on your insurance policy. It can be comparable to the size of the franchise itself.

The disadvantages include:

the need to pay part of the amount in the event of an insured event in tourism;
difficulty in defining advantageous view franchises taking into account individual characteristics;
in some cases, it is necessary to issue a comprehensive insurance contract.

Subtleties

In tourism, the described type of insurance is popular when receiving medical services, drawing up a CASCO and civil liability insurance contract. Sometimes it is issued for property that a tourist takes with him on a trip.

As with the registration of a regular insurance contract, there are situations that require the tourist to make full payment for services. Such situations include injuries sustained while committing illegal actions or while under the influence of drugs or alcohol.

You cannot use your new right in case of suicide attempts or exacerbation of chronic or mental illnesses. The insurance company may include other cases for which insurance will not pay.

Thus, insurance with a deductible is similar to a deposit, which can only be used if you pay an additional amount when purchasing a trip. It is often used by those who believe that an insured event will not arise during their trip. It is offered to be issued when traveling to Egypt, Turkey, Thailand and other tourist countries. Franchise conditions differ depending on the characteristics of the insurance company.

Sources:

Franchise in insurance
Insurance
What is a deductible in travel insurance?

Tip 2: How to choose the right insurance policy before traveling abroad

When planning a trip abroad, many people have many questions about insurance. For example, how to choose the right insurance policy so as not to encounter medical difficulties while traveling? And is it needed at all?

To insure or not to insure

For Russian citizens, insurance when traveling abroad is voluntary. In any case, there is no law requiring mandatory There is no such thing as insuring your health when traveling abroad. However, in practice it turns out that insurance is most often necessary, since it is required by the receiving party. For example, you can get a Schengen visa only if you have a voluntary health insurance policy for the entire duration of your stay in the European Union.

In cases with visa-free countries, for example, Turkey, there is always a possibility that the border guard will want to check your insurance. And if you don’t have it, then you have the right to be denied entry. And, of course, first of all you need insurance. It is better to actually get it in order to successfully overcome all border procedures and in an emergency situation you are not left to chance, risking being left without medical care. And, in the end, a travel abroad policy, like any other insurance policy, is an opportunity to manage risks.

What's included

The first rule of insurance is that you insure the health of yourself and your loved ones. Therefore, it is up to you to decide which insurance coverage to choose. Taking the “standard” or “minimal” option without even studying what it includes will be the first step to trouble. You pay money for a service and must clearly understand what they are offering you in return. The principle of any insurance is to compensate the client for losses, and the lower the amount of insurance, the correspondingly less money will be compensated for your treatment.

You can always choose more expensive insurance, carefully studying the benefits and relating them to your needs. When choosing insurance, keep in mind that the coverage you pay for may be divided by type of medical service. By studying the insurer's rules, you will know exactly what to expect from him and will insure yourself against unpleasant surprises.

Various policies

Study separately what will be considered an insured event under insurance and what will not. Any injury related to sports equipment, such as a volleyball or soccer ball, racket, etc., is not covered by your insurance. However, some companies offer extended insurance where you can add outdoor activities. One way or another, but domestic market Insurance companies can always find the option that suits you personally.

Is a franchise necessary?

In travel health insurance, a deductible is sometimes used. That is, this is the amount you will pay for treatment yourself. All other expenses will be covered by the insurance company. A deductible is one of the ways an insurance company can reduce its own costs for outpatient visits. However, it is worth considering that the cost of the policy in this case will be significantly lower. So, when choosing insurance coverage, carefully study this point.

Algorithm of actions

The first thing you need to do if you still need medical care abroad is to call the phone number specified in your insurance policy. If you see a doctor on your own without calling the insurance company, they may subsequently refuse to pay your expenses.

Having an insurance policy is mandatory for the Schengen countries; for other countries, such insurance is not strictly mandatory and is done by the tourist at will.

Tour operators often include insurance for those traveling abroad to popular destination countries in the tour price, without providing a choice. You have the right to refuse the insurance included in the tour package and buy it yourself.

Insurance is paid in the following cases:

Medical assistance in case of illness or accident.
Emergency dental care.
Transportation in case of illness or accident.
Repatriation to homeland in case of illness or accident.
Repatriation of remains.
Broadcast urgent messages.
Arrival of a relative.
Early return.
Delivery of medicines.

The following are not considered insured events:

diseases and injuries received as a result of committing illegal actions or in a state of any (drug, alcohol, toxic) intoxication.
exacerbation of chronic mental illnesses, suicide attempts.
expenses for treatment in sanatoriums.
cosmetic and plastic surgical operations.
all dental care with the exception of emergency care (if a toothache, etc.).

The insurance company itself may include in the policy a number of other cases for which the insurance will not pay.

The policy for traveling abroad is not valid in:

Russia.
Country of permanent residence.

There are a few things to consider when choosing an insurance company. Everyone knows the names of large insurers and everything is in order with their documents, but if the company is unknown to you, ask if it has a license. Find out whether the policy terms include a deductible (the amount of loss not compensated by the insurer). It can be conditional and unconditional. In the first case, the insurer is not liable for damage that does not exceed the amount of the deductible, but compensates for damage in full if the amount of damage exceeds the amount of the deductible. In the second case, the damage is compensated, but in any case the deductible amount is deducted from its cost. Having a deductible is not very good, because if the deductible amount is set, for example, at $50, and you suffer damage (for example, a doctor issued a bill for medications) for a smaller amount, then you will have to pay this money out of your own pocket. And most importantly, be sure to check the validity of your insurance. If you are satisfied with everything, then issue a policy, taking into account that it must be issued in Russian and the official language of the country of temporary stay.

To obtain insurance, you need to take a foreign passport and contact the foreign insurance department of any insurance company. When concluding a contract, be sure to read the “memo to the policyholder”, and if you have any questions, sort it out with the manager of the insurance company. There are two types of insurance: short-term (i.e. you enter into an agreement with a company for a certain number of days, the policy indicates the dates of departure and arrival) and long-term (you are insured for no more than 60 days and can travel abroad several times during this time ).

There are four insurance programs. They are designated A, B, C, D. Each option implies a certain range of insurance services. Option A (the most common) includes evacuation of the victim to a medical facility and medical expenses in the event of an accident or sudden illness. Option B, in addition to these services, also includes payment for a visit from relatives to the insured person and the provision of dental care (only in case of acute pain or pain caused by injuries in an accident). Option C also includes legal (opportunity to contact a lawyer) and administrative assistance (return of incorrectly sent luggage, preparation of new documents to replace lost ones, etc.). Finally, option D also includes services in case of breakdown of personal vehicles or in case of driver illness.

Currently, there are two forms of tourism insurance: compensation and service. The first form includes payment of all expenses by the tourist himself and subsequent compensation upon return to Russia. This is very inconvenient, because... the tourist does not know in advance how much he should take. With service travel insurance, having concluded an agreement or contract with an insurance company, it is enough to call one of the specified dispatch services, provide your policy number, last name and how the victim will be provided with the necessary assistance. The travel agency itself selects the insurance company, which, in turn, will take responsibility for providing timely assistance and paying expenses.

Sum insurance premium in the same insurance company can be different and depends on:

depending on the type of tariffs, which naturally contain different guarantees and coverage amounts;
depending on the duration of the trip - the longer it is, the higher the cost of insurance;
depending on the number of people in the tourist group - for an individual, the fee is, for obvious reasons, always higher;
from the age of the tourist for persons over 70 years old amount insurance payment usually twice as high.

The cause of the insured event must be a sharp deterioration in health. The insurance company must cover the costs of inpatient treatment, hospital stay, surgery and diagnostic tests. The costs of purchasing the medicine must also be reimbursed. If for medical reasons the client needs to return to his home country, the insurance company will cover this payment. A tourist can be taken home even if the payment for treatment in a hospital exceeds the norm. In cases of death, the company also pays for the repatriation of the body. If during a trip a tourist ends up in the hospital, and the return plane leaves home without him, representatives of the insurance company must help him exchange his ticket, and the term of the insurance contract is extended by four weeks. The extension is valid only once; then the tourist pays out of his own pocket.

What to do in an unexpected situation?
Firstly, you should always have your insurance policy with you, because... in case of an unforeseen situation, you will be able to immediately contact the insurance service dispatcher. Please note that the policy must indicate a return address or telephone numbers to call for assistance. Secondly, you need to call the dispatcher at any time of the day and give your details and the number of your insurance policy or plastic ID card, as well as indicate your location and telephone number where you can be contacted. No further action needs to be taken.

Is insurance necessary?
First, many countries require a policy so that if you get sick or have an accident, you can get medical care (which is quite expensive). Secondly: when traveling to equatorial countries, as a result of a sharp climate change, which cannot have a beneficial effect on well-being and will require seeking medical help. And thirdly: close relatives (children, parents, etc.) can go on the trip with you, so you save a small amount of insurance premium when booking a tour.

Having an insurance policy is mandatory for the Schengen countries; for other countries, such insurance is not strictly mandatory and is done by the tourist at will.

· Medical assistance in case of illness or accident.

· Emergency dental care.

· Transportation in case of illness or accident.

· Repatriation to homeland in case of illness or accident.

· Repatriation of remains.

· Transmission of urgent messages.

· Arrival of a relative.

· Early return.

· Delivery of medications.

· diseases and injuries received as a result of illegal actions or in a state of any (drug, alcohol, toxic) intoxication.

· exacerbation of chronic mental illnesses, suicide attempts.

· expenses for treatment in sanatoriums.

· cosmetic and plastic surgical operations.

· all dental care with the exception of emergency care (if a toothache, etc.).

The insurance company itself may include in the policy a number of other cases for which the insurance will not pay.

The policy for traveling abroad is not valid in:

· Russia.

· Country of permanent residence.

There are four insurance programs. They are designated A, B, C, D. Each option implies a certain range of insurance services. Option A (the most common) includes evacuation of the victim to a medical facility and medical expenses in the event of an accident or sudden illness. Option B, in addition to these services, also includes payment for a visit from relatives to the insured person and the provision of dental care (only in case of acute pain or pain caused by injuries in an accident). Option C also includes legal (opportunity to contact a lawyer) and administrative assistance (return of incorrectly sent luggage, preparation of new documents to replace lost ones, etc.). Finally, option D also provides services in case of breakdown of personal vehicles or in case of driver illness.

Currently, there are two forms of tourism insurance: compensation and service. The first form includes payment of all expenses by the tourist himself and subsequent compensation upon return to Russia. This is very inconvenient, because... the tourist does not know in advance how much he should take. With service travel insurance, having concluded an agreement or contract with an insurance company, it is enough to call one of the specified dispatch services, provide your policy number and last name - how the necessary assistance will be provided to the victim. The travel agency itself selects the insurance company, which, in turn, will take responsibility for providing timely assistance and paying expenses.

· on the variety of tariffs, which naturally contain different guarantees and coverage amounts;

· depending on the duration of the trip – the longer it is, the higher the cost of insurance;

· depending on the number of people in the tourist group - for a single person, the fee for obvious reasons is always higher;

· depending on the age of the tourist, for persons over 70 years old, the amount of the insurance payment is usually twice as high.

Firstly, you should always have your insurance policy with you, because... in case of an unforeseen situation, you will be able to immediately contact the insurance service dispatcher. Please note that the policy must indicate a return address or telephone numbers to call for assistance. Secondly, you need to call the dispatcher at any time of the day and give your details and the number of your insurance policy or plastic ID card, as well as indicate your location and telephone number where you can be contacted. No further action needs to be taken.

In most cases, an insurance policy is a mandatory part of the package of documents for traveling abroad. But it is necessary, first of all, not only because without it you will not be given a visa, but because the policy is a guarantee that you will be provided with assistance if you need it.

Tour operators usually include insurance in the tour price. But the insurance they offer most often involves a minimum set of services necessary in the event of illness or injury, namely: payment of treatment costs, medical transportation services, repatriation in the event of death.

In fact, the insurance possibilities are much wider. Therefore, you can also purchase a policy separately from an insurance company by presenting the documents already completed for the tour. True, you will have to spend time visiting the office, but citizens traveling abroad will be able to find out their capabilities in more detail, carefully read the insurance rules and find out in advance which expenses will be reimbursed to them and which will not.

Types of insurance in tourism

Civil liability insurance. In this case, an insured event occurs if, on the territory of another state (falling within the territory of the insurance contract), the traveler becomes involved in legal proceedings due to a third party causing property damage or harm to life and health, as a result of which civil liability arises by court decision.

· Baggage insurance. In this case, we are talking about luggage insurance in case of loss, theft or damage. However, there are some nuances here, and insurance does not cover a number of things present in luggage. Among them: money, jewelry, antiques and others.

· Tour cancellation insurance. An insurance contract covering the possibility of urgent cancellation of a tour should be concluded at least 15 days before the planned departure date. However, in this case, the inability to leave in the event of a refusal to issue an entry visa will not be considered an insured event.

· Travel cancellation insurance. It consists of paying the insurance amount to a tourist in the event that he is unable to go on a trip due to a refusal to issue him a visa or some other unforeseen circumstance.

There are two forms of insurance: short-term (i.e. you enter into an agreement with a company for a certain number of days, the policy indicates the dates of departure and arrival) and long-term (you are insured for no more than 60 days and can travel abroad several times during this time ).

There are also four insurance programs. They are designated A, B, C, D. Each option implies a certain range of insurance services.

· Option A (the most common) includes evacuation of the victim to a medical facility and medical expenses in the event of an accident or sudden illness.

· Option B, in addition to these services, involves paying for a visit from relatives to the insured and providing dental care (only in case of acute pain or pain caused by injuries in an accident).

· Option C also includes legal (opportunity to contact a lawyer) and administrative assistance (return of incorrectly sent luggage, preparation of new documents to replace lost ones, etc.).

· Option D also includes services in case of breakdown of a personal vehicle or in case of driver illness.

Procedure for obtaining travel insurance

When choosing an insurance company, pay attention to its reputation. If the company is unknown to you, ask if it has a license. When completing the paperwork, be sure to check the validity period of your insurance. If you are satisfied with everything, then issue a policy, taking into account that it must be issued in Russian and the official language of the country of temporary stay. When concluding a contract, be sure to read the memo to the policyholder.

The amount of the insurance premium in the same insurance company can be different and depends on:

From the variety of tariffs, which naturally contain different guarantees and coverage amounts;
- depending on the duration of the trip - the longer it is, the higher the cost of insurance;
- depending on the number of people in the tourist group - for an individual, the contribution is always higher for obvious reasons;
- depending on the age of the tourist, for persons over 70 years old, the amount of the insurance payment is usually twice as high.

What to do in an unexpected situation?

· Firstly, you should always have your insurance policy with you, because... in case of an unforeseen situation, you will be able to immediately contact the insurance service dispatcher. Please note that the policy must indicate a return address or telephone numbers to call for assistance.

· Secondly, you must call the dispatcher at any time of the day and give your details and the number of your insurance policy or plastic ID card, as well as indicate your location and telephone number where you can be contacted.

Insurance is paid in the following cases:

Medical assistance in case of illness or accident;
- emergency dental care;
- transportation in case of illness or accident;
- repatriation to homeland in case of illness or accident;
- repatriation of remains;
- transmission of urgent messages;
- arrival of a relative;
- early return;
- delivery of medicines.

The following are not considered insured events:

· diseases and injuries received as a result of illegal actions or in a state of any (drug, alcohol, toxic) intoxication;

· exacerbation of chronic mental illnesses, suicide attempts;

· expenses for treatment in sanatoriums;

· cosmetic and plastic surgical operations;

· all dental care except emergency care.

With service travel insurance, having concluded an agreement or contract with an insurance company, it is enough to call one of the specified dispatch services, provide your policy number and last name - how the necessary assistance will be provided to the victim. The travel agency itself selects the insurance company, which, in turn, will take responsibility for providing timely assistance and paying expenses.

Remember, forewarned is forearmed!

ROSZHELDOR

State educational institution

Higher professional education

"Rostov State Transport University"

in the discipline: "Tourism Safety"

on the topic: "Insurance in tourism"

Completed by: student of group GST-4-030

Golovchanskaya E.A.

Checked by: Kovalenko M.V.

Rostov-on-Don2010

Introduction

Insurance in tourism is a special type that provides insurance protection property (material) interests of citizens during tourist trips, travel, shopping tours, etc.

Tourist insurance usually means voluntary medical insurance in case of sudden illness, death (death) or bodily injury as a result of an accident during a tour; property insurance personal property and luggage carried (carried) with you; insurance of civil liability of carriers of tourists and autotourists (motor travelers) for possible harm (damage) caused to third parties or the environment.

Types of insurance in tourism

1. A legal insurance policy in most cases is a mandatory part of the package of documents for traveling abroad.

When making a travel plan, the average tourist pays attention to anything - where and how he will relax, the number of “stars” in the hotel, total cost pleasure, completely forgetting about this “piece of paper” while staying abroad. A piece of paper-policy in the general package of documents is perceived simply as a formality. Unfortunately, rarely does anyone ever read the terms and conditions of insurance for which they have paid money while staying abroad. It’s good if it remains unclaimed.

2. Civil liability insurance

In this case, an insured event occurs if, on the territory of another state (falling within the territory of the insurance contract), the traveler becomes involved in legal proceedings due to a third party causing property damage or harm to life and health, as a result of which civil liability arises by court decision.

Last year, a similar proposal was made by the Public Chamber and the Public Council for Human Rights. They wanted to make the introduction of the so-called legal policy widespread and mandatory, but so far this has not happened, because in conditions of fierce competition, travel companies are trying, on the contrary, to reduce the price of insurance as much as possible. And the lack of help with current problems and makes the conclusion of such an agreement completely meaningless.

3. Baggage insurance

In this case, we are talking about luggage insurance in case of loss, theft or damage. However, there are some nuances here, and insurance does not cover a number of things present in luggage. Among them: money, jewelry, antiques and others.

4. Tour cancellation insurance

An insurance contract covering the possibility of urgent cancellation of a tour should be concluded at least 15 days before the planned departure date. However, in this case, the inability to leave in the event of a refusal to issue an entry visa will not be considered an insured event.

5. Travel cancellation insurance

It consists of paying the insurance amount to a tourist in the event that he is unable to go on a trip due to a refusal to issue him a visa or any other force majeure circumstance.

Imagine that you are set on a 2-week trip to Europe or, say, a 10-day cruise in the Mediterranean in the near future. You are already dreaming about this trip and are inspired by the fact that soon you will finally rest “soul and body”, that is, literally speaking, physically, psychologically and morally from everyday work, worries and other problems and troubles in your personal life.

You have already paid the full cost of the trip, say, for all family members, and are looking forward to the moment when you and your whole family go on a trip.

But a day or two before the expected day of departure, you call, as you were told, the travel agency to find out the place and exact time of meeting with one of the travel agency’s employees at the airport, who should issue you air tickets, visas and other necessary papers for traveling abroad.

And then a kind voice informs you about what is happening to you. a tourist visa was refused without explanation of the reason for the refusal. And after your demand to return the spent funds, the same voice will tell you that the invested money will not be returned in such cases.

You are shocked! For some people, this “gift” of fate can lead to a stroke!

Or if, after purchasing a ticket, one of your relatives, God forbid, unexpectedly “went to heaven”! It is a self-evident fact that after such a sudden misfortune that has fallen on your head, you no longer have time to travel and you are simply heartbroken.

There are often situations when, after purchasing a tourist package, someone who is passionate about going on a sea cruise or other tourist trip urgently needs emergency medical care (appendicitis, fractures, etc.)

In order for a tourist to insure himself against financial losses in the event of the impossibility of leaving in the event of unforeseen life circumstances, there is one way, or rather, a type of insurance.

This type of insurance in tourism has received the concept of non-departure insurance.

How to get insurance?

You enter into an agreement with the insurance company without leaving the travel agency’s office. At the same time, the cost of the trip for you will be slightly higher, because... insurance services most often account for 5% of total amount tours.

But in case of failure to leave due to any life circumstances that arise beyond the control of the insured, the tourist will be refunded full price tourist trips minus the consular fee for a visa. Needless to say, the 5% insurance premium paid will not be returned in any case.

However, there are also some nuances here.

The insurance will not be paid, for example, if you have previously received a visa refusal. Also, the cost of the trip will not be refunded to you if you have chronic diseases, have committed any act contrary to the legislation of the Russian Federation and are under investigation, etc., etc.

The agreement with the insurance company states that if such situations arise, this company has every right to prescribe a medical examination using its doctor, while the condition “On non-disclosure of medical confidentiality” in relation to the insurance company, of course, completely ceases to apply.

At the same time, situations cannot be ruled out when you will have to waste time and nerves going to court to protect your rights. This red tape and trips to the authorities, of course, can take more than one month.

In my opinion, travel recognizance insurance can only be concluded for “psychological reassurance,” especially in Russia, where it is often quite problematic and sometimes impossible to prove that you are right and receive compensation for moral damage.

What is insured in tourism?

Object of insurance is an insurance risk associated with unforeseen and unintentional financial expenses for the provision of various types of assistance and services, the need for which arises upon the occurrence of an insured event.

Insured events in tourism business admit:

Cases of receiving paid medical care, the need for which is caused by an accident, or an acute illness, or an acute exacerbation of a chronic disease, without which there would be real threat health problems of the Insured or his death;

Cases of unforeseen, sudden, unintentional and independent of the will of the insured, loss of ability to work (accidents);

Cases of loss of luggage, documents, or means of subsistence independent of the will of the insured;

Cases of unforeseen expenses, the need for which is caused by the emergence of general civil and motor vehicle liability;

cases of refusal to use a discounted air ticket due to illness, accident or death of the Insured, his relatives and friends;

Cases of inability to complete a planned tourist trip, if this is caused by an accident, acute illness or death of loved ones and relatives of the insured, damage to it real estate V large sizes, illegal actions of third parties;

Cases of unforeseen costs of tourism organizations caused by a tourist’s refusal to fulfill contractual obligations for the provision of tourism services;

Cases of non-fulfillment or incomplete fulfillment of contractual obligations of tourism organizations to tourists (professional liability).

In addition to those mentioned above, other events that entail unforeseen and unintended expenses of the Insured, both tourists and tourism organizations, may be recognized as insured events.

Conclusion

Currently, the tourism insurance industry provides more than a dozen types of insurance services. A tourist visiting another area or country, more local residents exposed to adverse risk factors. First of all, the tourist’s health is insured ( different kinds medical insurance and assistance, from an accident with coverage of “medical expenses, life insurance) and then his property. Other unfavorable risk factors are also considered.

On average, according to tourism statistics, an insured event happens to every 100th tourist. It should be noted that not all circumstances that happen are recognized by the insurance company for attribution. this case to the insurance company and are paid.

.
List of sources used

1. http://www.turbbooks.ru/stati/strakhovanie/

2. http://www.norge-info.ru/strah.html

Types of franchise

Advantages and disadvantages

Subtleties

Tip 2: How to choose the right insurance policy before traveling abroad

Introduction

Types of insurance in tourism

What is insured in tourism?

Conclusion

.List of sources used

.
List of sources used