If an insured event occurs while traveling, what is the correct procedure? Does the policy cover the costs right away or do you have to pay first yourself?

If an insured event occurs while traveling, what is the correct procedure? Does the policy cover the costs right away or do you have to pay first yourself?

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answers (2)

Answer 1
June, 2021

It depends on what kind of insurance conditions you have. Have you read your insurance policy? True? After all, you read it?
How to act correctly: First of all, you must call the phone number indicated in the insurance to the insurance company, and it will redirect you to a company called "assistance". This is a company that is directly involved in working with local medical institutions in the country where the "insured event" occurred. In this case, the insurance company simply sells you insurance and assistance services, accepts money from you, and transfers some of them to the assistance. No, the assistance cannot be paid directly, they do not work with private clients. Yes, this means that assistance is important to you, not insurance. Yes, there are usually fewer assistances than insurance ones, and many different insurance companies can work with one assistance, selling their services at retail. Yes, different assistants have a different quality of work, moreover, in different countries it can be different, for example, an assistance that works well in the European Union can be extremely bad in Asia.
So, you have phoned the insurance / assistance, doctor The assistant found out from you what happened, found out where you are, and named you several, to choose from, places where you can turn. These are the medical institutions with which the assistance has a service contract.
Yes, you can go to any clinic, but in this case, most likely, you will have to first pay out of your pocket, get all the documents for this payment, and then receive a refund from your insurance after you return.
Moreover, there are several different payment options, and the so-called "deductible". Deductible is the amount that you pay in any case, for the appeal, and what is in excess of it is insurance. For example: Franchise - $ 200. You have a stomach ache, you went to the doctor, you were prescribed $ 10 pills, you pay for them. Or, let's say an operation was required. The cost of the operation is 15 thousand dollars. You have insurance coverage of 30 thousand, and a $ 200 deductible. You pay $ 200 out of your pocket, and the insurance pays the remaining $ 14,800 to the clinic.
Franchise is made to simplify (and as a result - to reduce the cost) of work, usually insurance with a deductible is cheaper for the client (and for the insurance).

Answer 2
June, 2021

According to existing practice, in the event of an insured event, you must call the number indicated in the policy and the insurance company is obliged to provide you with all services: treatment or emergency surgery, transportation of the patient to the nearest hospital and to the airport, collection of expenses for the purchase of medicines, dressings materials, payment for accompanying the victim, etc. However, you should also carefully read the terms and conditions of the insurance company. If you go to the first doctor you see, in ninety-nine cases out of a hundred, the insurance company will refuse to pay the bills issued by it.

And of course, based on the practice from my life, I can say that several times I had to pay first myself, but after that I contacted the insurance company, provided them with invoices and they covered my expenses.

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