Any trip is not only a pleasant, long-awaited time for rest and entertainment, but also an event sometimes even dangerous and unpredictable, if we talk about a trip abroad. Each request for medical help outside our country costs money, but we will tell you which ones to return or not to spend in the article.
Everyone who goes on vacation wants it to pass without incident and trouble. However, there is still a chance of getting sick on vacation.
Being in the resorts of our region, it is much easier to recover, because the language is familiar, and any adult knows the basic drugs. However, if a trip abroad is chosen for recreation, then the situation here is much more serious. If you do not know the specifics of providing medical care outside our homeland, then you can spend fabulous money on medicines and doctors. That is why, when traveling abroad, everyone should be concerned with two questions:
- how honey should be rendered. assistance in a particular foreign country;
- in what ways is it possible to return part of the funds spent on medicines upon arrival at home.
Travel insurance
For most overseas travel, health insurance is compulsory and is included in the price of the trip. If you intend to travel on your own, then in any case it is worth buying insurance in order to protect yourself in case of illness.
When taking out insurance with the chosen insurance company, you should pay attention to the services that are included in the package (sudden illness requiring emergency assistance, doctor's consultation, examinations, medications, hospital, etc.), and to the deductible. The deductible is the non-reimbursed portion of the insurance costs from the insurer. You will have to pay for it out of pocket.
Calling honey. staff
Each insurance indicates the phone number of the service center, which should be called 24/7 if there is any need for medical assistance. The Russian-speaking dispatcher answers the call, who, after telling the customer, gives clear instructions on what to do and how to do it. If such a call is not made, then in the future with one hundred percent probability there will be problems with the insurance company.
The customer who contacted must tell the dispatcher his location, the number of the insurance policy, the reason for the appeal and the contact telephone number. As a rule, the dispatcher will call the doctor directly to the client's room or send a car that will take him to the hospital, where the doctor will examine and prescribe treatment, and return it back.
Refunds spent on medicines and treatment
If during your stay abroad you still had to go to the hospital and spend your savings on treatment, then on arrival in the Russian Federation, part of the funds can be returned. However, if a client asked for help and paid for services out of his own pocket, and not for insurance, then it is imperative to collect all documents confirming this fact in the form of checks for honey. services and medicines, payment for transport, prescriptions, etc. When contacting your insurance company, you will also need to attach the following papers to this package:
- a statement from a client who underwent honey. treatment with a request for reimbursement of funds;
- settlement papers indicating the patient's full name, date of treatment, diagnosis, cost of treatment;
- prescription forms with pharmacy stamps, which indicate the date and name of the patient and doctor's bills;
- invoices with the amount of expenses for each day spent in the hospital and the period from the moment of admission to the moment of discharge;
- tickets and other documents for transport;
- invoices for the services of lawyers and other papers that were involved in the process of providing medical services.
It is advisable to provide all documents to the insurer company immediately upon return and in person (if there are no circumstances preventing this). According to the law, the application is considered within two weeks.
Medical care for visiting tourists in different countries is carried out in different ways. So, in some, insurance is not needed, while others simply will not provide assistance without it. The most popular country where insurance is not required is Turkey. However, if you have to go to a Turkish clinic, then you should understand that the reception in both public and private institutions is paid, so it is still worth getting an insurance policy, especially when traveling with children.
Tunisia also does not impose a mandatory requirement for its guests to have insurance. However, travelers to this exotic country, often, it is she who saves life and health, therefore, it is necessary to acquire it.
