Страхование туристов – безопасный отдых за пределами страны

Путешествие в другую страну всегда связано с риском, ведь это смена климатических условий, непривычная еда, хищные животные, другие законы. Защитить туриста от непредвиденных расходов может страховка для поездки за границу. В экстренных случаях компания, выдавшая документ, организует комфортные условия для решения проблемы.


Основные виды страхования для туристов

Путешествие – приятное времяпрепровождение с новыми впечатлениями, ощущениями, знакомствами. Чаще всего пребывание в чужой стране проходит без происшествий, но бывают и неудачные поездки. Статистика Ростуризма печальна, ведь путешественника за границей поджидают случаи:

  • заражения простудными или инфекционными болезнями – 48%;
  • расстройства пищеварительной системы – 18%;
  • травматизма – 17%;
  • переломы костей, позвоночника – 6%;
  • аллергических реакций, ожогов – 4%;
  • проблем с зубами – 3%;
  • травм от животных – 2%;
  • со смертельным исходом – 1%.

Безопасность во время путешествия – задача туриста, а от непредвиденных затрат защищает страховка. Действие документа ограничено по времени, но распространяется на все случаи, результатом которых становится частичная или полная потеря трудоспособности.

Страховой полис бывает нескольких видов:

  • при отмене путешествия;
  • от несчастного случая;
  • на автомобиль;
  • медицинский;
  • от потери вещей.

Страхование при отмене поездки за границу

Услуга становится все более актуальной, поскольку участились случаи отказа выдачи виз. Неудавшаяся попытка получить разрешение на выезд за границу – один из страховых случаев и за него получают денежную компенсацию. Ее выдают при условии, что документы подавались вовремя и в установленном порядке.

Появление неожиданной болезни, смерти, получение серьезной травмы застрахованным человеком или его родственниками также является поводом отменить поездку и получить компенсацию.

Если по пути к месту вылета прорвало коммунальные сети, случилось дорожно-транспортное происшествие или другое непредвиденное событие, из-за которого застрахованный человек опоздал на рейс, то компания выдаст компенсацию за не совершившуюся поездку, но потребуется документальное доказательство, что вины клиента нет.

Пожар, затопление, ограбление с нанесением значительного ущерба имуществу тоже является страховым случаем. Здесь, как и в предыдущем пункте, нужны документальные доказательства, что вины клиента здесь нет. Некоторые компании выставляют жесткие требования по этому пункту – 70% имущества или ущерб больше, чем на 500 тыс. рублей.

Бывают ситуации, когда присутствие человека обязательно, по независящим от него обстоятельствам. Страховая компания в таких случаях компенсирует часть расходов клиента из-за отмены поездки, но опять же нужны документы.

Срочный призыв на военную службу при условии получения повестки после оформления полиса, но до момента его окончания, является поводом для отмены поездки и получения выплат. Сюда же относится и приглашение на судебное заседание в качестве потерпевшего, свидетеля, эксперта.

Поводом получить денежную выплату за отмену поездки является и обнаружение медицинских противопоказаний на обязательную в стране вакцинацию. Осложнение хронических заболеваний накануне отъезда становится весомым поводом отказа от путешествия, но компенсируют его не все компании.

Страховка компенсирует затраты на организацию отмененной, прерванной или продленной поездки:

  • невозвратную часть стоимости путешествия;
  • за неиспользованные билеты;
  • за бронирование отеля.

Если билет можно поменять, то страховая компания покрывает только штраф, наложенный авиакомпанией.

Страхование от несчастного случая

Действие этого полиса распространяется на все ситуации, связанные с потерей трудоспособности. Человек не застрахован от несчастных случаев, но может оградить себя от непредвиденных финансовых затрат, связанных с ними. Длительность договора может варьироваться от 1 дня до 1 года, сумма устанавливается по согласованию сторон.

Стоимость полиса целиком зависит от количества охватываемых стран, возраста клиента, наличия факторов риска. Для оформления договора потребуется только документ, который удостоверяет личность клиента. Уровень травматизма в РФ 8730,3 на каждые 100 тыс. человек, поэтому страхование от несчастного случая пользуется спросом.

Особенно актуально получение такой защиты от непредвиденных трат людям на травмоопасной работе, занимающимся любительским или профессиональным спортом. В страховых компаниях есть таблицы, в которых указаны суммы выплат по тяжести несчастного случая, которые обязаны покрыть часть расходов на медицинские услуги.

На получение всей страховой суммы рассчитывают только в случае летального исхода застрахованного или получения им инвалидности 1 группы. Выплачиваются деньги для прохождения лечения за границей, но по возвращении домой все медицинские услуги за счет клиента.

Страховые компании могут покрывать расходы на лечение травм, полученных при занятиях экстремальными видами спорта или обострении хронических болезней. Взнос в этих случаях увеличивается, также влияет на это возраст клиента.

Страховка не выплачивается:

  • при умышленном членовредительстве;
  • при попытках самоубийства;
  • при алкогольном и наркотическом опьянении;
  • при нарушении законов страны, где пребывает клиент.

Добровольное медицинское страхование

Выдачей полиса занимаются специальные организации, получившие разрешение на данный вид деятельности. Туристические агентства обычно включают медицинское страхование в стоимость поездки, но не все. При самостоятельном выезде за пределы страны надо обратиться к агенту за оформлением полиса.

Медицинская страховка для поездки за границу оформляется за 15-20 минут при наличии действительного заграничного паспорта и его копии. Создание полиса через интернет занимает 2-3 минуты. После создания документа его надо распечатать и заверить у представителя компании. Страхование от несчастного случая и медицинский полис – это две разные услуги, поэтому рекомендуется оформлять сразу обе.


Стандартный перечень медицинских расходов, которые оплачиваются из страховки:

  1. Амбулаторное или стационарное лечение.
  2. Экстренные услуги стоматологов.
  3. Репатриация останков в случаях с летальным исходом.
  4. Возвращение застрахованного человека в родную страну, если это нужно по медицинским показателям.
  5. Перевозка до ближайшей больницы.

Выплаты не будет:

  • если обострилась хроническая болезнь кроме случаев с оформление отдельного полиса на эту ситуацию;
  • если несчастный случай наступил, когда человек находился под наркотиками или в состоянии алкогольного опьянения;
  • если нарушено законодательство страны;
  • если травма была получена вследствие занятий экстремальными видами спорта, кроме случаев создания специальной страховки;
  • если при наступлении события клиент не позвонил и не согласовал действия с представителем компании.

Если полис компенсационный, то для получения денежных выплат надо правильно собрать и предоставить в страховую компанию документы, при этом на всех бумагах должны быть подписи и штампы медицинских работников. В выдаче денег откажут, если документы невозможно прочитать (плохой почерк, сканирование) или полис не распространяется на ту страну, в которой произошло событие.

Страхование багажа

У каждой компании свое понятие этого термина. Кто-то подразумевает только тщательно упакованные и сданные в таком виде под ответственность перевозчика вещи, а кто-то в дополнение к ним учитывает ручную кладь. Это следует заранее уточнить, чтобы не возникло недоразумений.

Пассажир, везущий ценные вещи в виде спортивного снаряжения, раритетов, обязан застраховать багаж. Тогда в случае потери, порчи, задержания вещей человек получит страховку за вычетом компенсации, полученной от авиакомпании или в дополнение к ней, если такое указано в полисе.

Для получения страховки событие должно быть документально подтверждено. Полис может покрывать только момент перелета или на все время путешествия. Последний вариант не самый экономный, но защищает вещи даже в момент их нахождения в номере гостиницы, что является более актуальным, учитывая количество ограблений.

Страхование автомобиля при выезде за границу

Путешествие за пределы страны на своей машине всегда сопряжено с опасностями. Страховка оформляется на автомобиль, а не на водителя, поэтому можно смело давать транспорт родственникам с правами.

Компенсацию можно получить, если водитель машины:

  • нанес ущерб иностранному транспорту;
  • причинил вред водителю или пассажирам;
  • нанес ущерб имуществу третьего лица.

Страхование автомобиля оформляется на 15 дней или больше, не срок не должен превышать 12 месяцев. Стоимость полиса зависит от таких факторов:

  • типа автомобиля;
  • срока, на который оформляется страховка;
  • стран, в которых будет пребывать транспортное средство.

Для оформления договора понадобится 3 документа:

  • технический паспорт на автомобиль;
  • паспорт клиента;
  • водительское удостоверение.

Защитить себя от финансовых рисков можно не только с помощью Green Card, но и полисом КАСКО. Благодаря ему можно получить компенсацию в случае угона или кражи транспортного средства. Еще на наличие страховки обращают внимание таможенные службы, которые вправе запретить въезд или выезд автомобиля.

Оформление полиса на границе решит вопрос пропуска, но обойдется в несколько раз дороже. Даже если таможенные службы пропустили машину, то путешествие будет недолгим, ведь полицейских за границей много и они вправе изъять машину с наложением крупного штрафа, возвратом на родину и запретом на въезд в город или страну.

Кроме этих двух страховой, водителю рекомендуется приобрести договор туристического страхования. В этот документ за отдельную плату включают пункт «Технический ассистанс», который позволяет получить квалифицированную помощь в случае обнаружения неисправностей или повреждении автомобиля.

Что делать при неожиданном наступлении страхового случая

Перед подписанием договора нужно его внимательно прочесть, уточнить детали, чтобы можно было сразу определить, звонить представителю страховой компании или нет. Бумажную копию полиса рекомендуется носить всегда с собой, хотя на крайний случай можно хранить его в телефоне в электронном варианте.

При наступлении несчастного случая следует сразу набрать номер компании или ее посреднику в стране пребывания – ассистанс. Контактный телефон должен быть написан в договоре. Все финансовые расходы, затраченные на телефонную связь с компанией, покрывает компенсационная выплата.

Оператору сообщают:

  • фамилию, имя, отчество;
  • где находится клиент – страна, адрес по возможности;
  • описать, какая помощь требуется;
  • номер страхового полиса, до какой даты оформлен;
  • телефон для обратного звонка.

Действия, не согласованные со страховой компанией, оплачиваются из кармана клиента. Обязательно нужно сохранять все документы и чеки. Если отказываются предоставить важную бумагу, нужен письменный отказ для получения выплат.

Нельзя оставлять паспорт в залог, самостоятельно покупать лекарства, отправляться в больницу своим ходом. Страховая компания обязана отправить в поликлинику гарантийное письмо – по прибытии турист должен убедиться, что его получили. 15% компаний оплачивают чеки, привезенные туристом, но не переводят средства на счета компаний, оказывающих услуги. Это описывается отдельным пунктом в теле договора.

Страхование заграничных поездок позволяет значительно сократить финансовые расходы в непредвиденных ситуациях. Для полной уверенности рекомендуется оформлять сразу несколько полисов, чтобы защитить не только себя, но и ценные вещи. Страховку подписывают быстро, но без полного прочтения договора не стоит покидать кабинета компании.


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