Everything you need to know about travel insurance
Insurance for traveling abroad and obtaining a visa
Medical insurance for tourists is a prerequisite for obtaining visas to some countries. Having an insurance policy is mandatory during the paperwork process at visa centers, but it is possible that you will be asked to present an insurance policy when crossing the border.
Conditions for compulsory insurance vary depending on the country of entry.
What to look for when buying a policy
An insurance policy for traveling abroad has one main function - it helps you avoid difficulties in an unfamiliar country if you need medical care. Emergency situations do not arise very rarely. Let's say there are 150 people on the plane with you on vacation. According to insurers' statistics, about ten of them will see a doctor during the trip.
Are you sure that in an unfamiliar city, without knowing the peculiarities of local healthcare, you will understand the situation on your own?
You shouldn't count on the state either. The Russian Federation obliges Russians to independently pay their own expenses for emergency medical care abroad in the absence of voluntary insurance. This is a requirement of Federal Law 155-FZ of June 29, 2015.
The price of insurance is not commensurate with the cost of medical services. The average bill from a doctor in Europe is around 250 euros. An insurance policy costs about the same as two cups of coffee at the airport. Is it worth putting yourself at risk due to unjustified savings?
Insurance for traveling abroad online is available to you at any time on the CAPITAL LIFE website. You can pay for the policy with any bank card. Learn how to choose the necessary risks and protect yourself and loved ones while traveling.
How does a travel insurance policy work?
Take care in advance about how and where to contact if necessary and what services the insurance and service companies will provide you with the travel insurance purchased online.
The range of risks included in your insurance depends on how you plan to spend your time traveling, as well as on your health and interests.
Thanks to the Internet, most manipulations can be performed. Therefore, before purchasing an insurance policy, it is recommended to go to the company’s website and use an online calculator.
The same conditions apply in almost all insurance companies. In order to clarify the final cost of the service, it is enough to enter the make, model of the car, year of manufacture, average cost and the number of people who have the right to drive this vehicle.
After this, you can get the approximate cost of the finished policy. The Rosgosstrakh company also has such a comprehensive insurance calculator. Payment for insurance is usually made in any convenient way. To do this, you can use a plastic card, electronic money or other online payment systems.
There are also a number of situations in which, regardless of the tariff plan chosen, the company is not liable. In this case, having chosen “50 to 50” comprehensive insurance, the client must know the situations in which he will not be able to receive money:
- When the vehicle has been damaged. In this case, we are talking about the fact that in the process of driving the vehicle by a person who was not included in the policy, an accident occurred.
- If at the time of the incident the driver did not have a driver's license.
- If the owner of the vehicle was driving it under the influence of drugs or alcohol.
- When transferring driving a vehicle to a third party who is not included in the power of attorney to drive the car.
- In case of damage to car rims.
- For chipped paint coatings.
Why choose the Cherekhapa service?
Clients here are offered complete information on all kinds of travel insurance. We have put together a variety of insurance packages for you, taking into account the specifics of the country you are traveling to and the rules in force there.
Cherekhapa cooperates only with reliable companies - industry leaders that have received recognition and trust from customers. Among them are Rosgosstrakh, Ingosstrakh, AlfaStrakhovanie and others.
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The services offered include the following types of insurance:
- health care
- emergency dentistry
- pregnancy travel
- accident insurance
- protection of luggage, personal vehicle or documents from loss, theft or damage and others
Due to competition for clients among insurance companies, prices for services here are often cheaper than in the offices of these companies. And if you have a Cherekhapa promo code for a discount, you can additionally save 10% or more.
Insurance without overpayments with Cherekhapa coupons
Coupons and promotional codes are a way for any user to buy a policy online at a discount.
To search for discount coupons valid for Cherekhapa, use specialized resources. Such as the Utro website, which works on the principle of an aggregator. Information about all promotions, discounts and sales is collected by site specialists from across the network, checked and published completely free of charge on the pages of Utro.
The main advantages of Utro:
- a large selection of coupons and promotional codes, thousands of offers freely available every day
- variety of online stores and services - clothing, shoes, restaurants, tourism, lending and many other categories
- reliability and relevance, the site team monitors the timely updating of information
- special offers for its users in the ‘Best promotional codes’ section, most of which you will not find on other resources
- mailing list, subscribe and follow the latest news from the world of discounts
Features of issuing an economical policy
According to the terms of comprehensive insurance “50/50” from Rosgosstrakh, everything is clear from the name. Obviously, in this case the client pays only half the cost of issuing the certificate. At the same time, he receives full protection and can count on payments, as with any other insurance policy, with full payment of the cost.
However, before doing so, it is worth considering an independent opinion. According to reviews, comprehensive insurance “50/50” from Rosgosstrakh is beneficial for some drivers, but not for all. In addition, the program has not only advantages, but also some disadvantages.
In order to receive the coveted discount certificate, the client of the insurance company must provide only an internal passport of a citizen of the Russian Federation, a PTS and a driver’s license. Based on these documents and data, the company manager makes the necessary calculations.
At the same time, he pays attention to the driver’s experience, the number of previous accidents, what kind of car he is driving, and even his state of health. After this, the client pays half the cost of the insurance policy.
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He will have to pay the second part only in the event of a certain insured event.
Advantages
First of all, you should pay attention to a rather obvious advantage. This offer can really be considered very profitable and relevant, since in this case comprehensive insurance is provided, which allows you to protect against theft, theft and many other unpleasant things without additional surcharges.
Also, the advantages of comprehensive insurance “50 to 50” from this insurance company include the fact that the concluded contract will be valid until the immediate occurrence of the insured event. After this, the vehicle owner independently decides whether to use the insurance policy.
If the damage to the car is minor, then in this case it is much easier to make repairs yourself or receive money voluntarily from the offender.
If the amount of the additional payment does not exceed the specified figure in the comprehensive insurance agreement, then it is more profitable to apply for payment to the company.
Why is it considered that comprehensive insurance “50×50” is a deductible?
Many people treat this program with great caution, because it can be found not only in Rosgosstrakh, but also in other insurance companies. This fear is well founded, since when purchasing a certificate, part of the damage is not compensated.
What's the catch
As mentioned earlier, by and large, the main trick is that if an accident occurs, a person will in any case have to pay the second part of the insurance. Accordingly, it is only an illusion that only 50% is paid.
It is also worth paying attention to the rather strict requirements that the Rosgosstrakh company imposes on clients wishing to receive a discount certificate.
First of all, people who are at least 30 years old and have at least 10 years of driving experience can apply for such insurance. Based on this, young and inexperienced drivers cannot count on this program.
PJSC Rosgosstrakh was founded in 1992 and today is one of the largest organizations in the Russian insurance market. The company offers its clients a wide range of insurance products, including travel insurance. The TZR policy provides the traveler with protection against possible emergencies and unforeseen expenses during the trip.
Advantages of taking out a road safety insurance policy at Rosgosstrakh
In 2015, the Rosgosstrakh company collected 24,620 thousand rubles. premiums in the tourist insurance segment and 1,659 thousand rubles were paid. for insurance cases. The payout ratio for this insurance product was 6.74%.
The company's authorized capital is 18.5 billion rubles, and the reliability rating is assessed by the Expert RA agency as exceptionally high with a stable forecast. The financial obligations of Rosgosstrakh PJSC are guaranteed by leading reinsurance companies, including Gen Re, Swiss Re, Munich Re, Partner Re, XL Re Europe Limited.
In 2015, the Rosgosstrakh company became a winner of the Traveler’s Choice Favorites award in the “Favorite Trademark of Travelers” category.
The advantage of travel insurance from Rosgosstrakh is the ability to issue a policy remotely - to do this, you need to fill out an online application on the company’s website or call a toll-free number.
Insurance risks covered by the policy
The travel insurance policy from the Rosgosstrakh company guarantees the traveler reimbursement of expenses in the event of the following insured events:
- treatment in case of illness;
- loss of luggage or documents;
- causing damage to property or health of third parties;
- return home of unattended minor children;
- sending urgent messages;
- trip cancellation.
Types of travel insurance programs
As part of the tourist insurance service, the Rosgosstrakh company offers its clients the following travel insurance packages:
"Insurance for traveling abroad"
This service is a classic insurance program that guarantees payments in the amount of $30,000 to $100,000 in case of emergency medical care. Depending on the insurance conditions, the company offers 4 insurance packages - “Economy”, “Comfort”, “Standard” or “Premium”.
Tourists can also add additional options to the basic insurance package:
- “Accident” - guarantees the payment of additional insurance compensation in the event of injury, disability or death of the insured;
- “Baggage” - allows you to insure luggage in case of loss in the amount of 500 to 2000 $/€;
- “Civil liability” - covers risks associated with damage to third parties during the trip.
"Insurance for travelers in Russia"
In a number of points, this program is similar to the “Insurance for Travel Abroad” program, but it has the advantage of lower cost and, accordingly, a lower amount of insurance coverage - it cannot exceed $/€ 30,000. When taking out such a policy, the client can count on receiving prompt medical assistance or monetary compensation for other insured events during a trip through Russia.
What determines the cost of the policy?
The cost of a travel policy from PJSC Rosgosstrakh is formed based on the following factors:
- Age of the insured - when taking out a policy for persons over 65 years of age, increasing coefficients are applied;
- The amount of insurance coverage varies from 30,000 to 100,000 USD and affects the final cost of the policy;
- Availability of additional options - the cost of the policy increases when additional insurance risks are included in it: active sports, pregnancy, the presence of chronic diseases.
The sleep of reason gives birth to monsters... Be prudent, insure yourself and your loved ones from any troubles and monstrous misunderstandings!
Rosgosstrakh (Rgs.ru) offers clients all types of life, health, movable and real estate insurance: Casco auto insurance, compulsory motor liability insurance, apartment insurance, travel insurance for traveling abroad, insurance of bank deposits and pensions. More than 45 million clients, individuals and legal entities, trust Rosgosstrakh for financial security in any unforeseen situation. You can prepare documents not only in 3,000 offices throughout Russia, but also online on the company’s official website rgs.ru.
How to use a promotional code on the rgs.ru website?
You cannot skimp on security. But you are always welcome to buy insurance below the average cost! Select an insurance case and tariff plan on the official website of the Rosgosstrakh company, fill out all the necessary fields and proceed to payment. On the right side of the working screen you will see the total amount, and below there is a field for a promotional code for a discount.
Turtle Insurance (Cherehapa.ru) is an online purchase service for insurance products for tourists from leading insurance companies: SBERBANK INSURANCE, Allianz, Absolut Insurance, Liberty, AlfaStrakhovanie, VTB Insurance, ARSENAL, Zetta Insurance, Renaissance, Ingosstrakh, RESO, Russian Standard, Rosgosstrakh, Soglasie, Tinkoff Insurance. Allows you to select and order the optimal policy option for a trip to any country in the world in the shortest possible time.
The Turtle Insurance service works very simply. The user fills out the insurance selection form, entering data on the direction and dates of the trip and the number of travelers, and selects the appropriate option from the proposed list. After this, all that remains is to fill out the order form, pay for insurance and receive an electronic policy by e-mail. There are no overpayments when purchasing insurance on Cherehapa.ru - policies are issued at the current rates of insurance companies.
Turtle Insurance has pages on all popular social networks:
Subscribe to the insurance constructor if you love to travel and want to always be aware of the best deals on insurance policies for tourists.
Free coupons from our website will help you save additional money on purchasing insurance through the Turtle Insurance service. Select the appropriate promotion and click on the “Show code” button next to it. Copy the coupon number that opens and enter it in this field when applying for a policy (opens when you click on the “I have a coupon” link).
Click the "Apply Coupon" button and the amount due will be automatically reduced. Please note that coupons always have a limited expiration date. Therefore, you should not delay using them, otherwise you risk being left without a profitable discount.
Turtle Insurance service services
The basic version of travel insurance offered by partners of the site Cherehapa.ru usually includes:
- Health insurance.
- Medical transportation.
- Fare.
- Emergency dentistry.
This set is quite enough to obtain a visa from almost any country in the world. But for those who want to protect themselves as much as possible from troubles while traveling, additional options are available:
- Baggage insurance.
- Accident insurance.
- Insurance against non-departure or flight delay.
- Civil liability insurance.
- Insurance against loss/theft of documents.
- Insurance in case of need for legal assistance.
- Personal car travel insurance.
- Travel insurance for pregnant women, etc.
Additional options for inclusion in travel insurance are paid separately in accordance with the rules and tariffs of the insurance company.