Travel, especially on rest in the exotic countries, conceals various dangers. Insufficiently careful tourists often suffer from poisonings, stings of insects and animals, infections, traumas, an aggravation of chronic illnesses. To use medical aid under the insurance for travelers, it is necessary to call in the representation of your insurance company specified in the policy […]
Travel, especially on rest in the exotic countries, conceals various dangers. Insufficiently careful tourists often suffer from poisonings, stings of insects and animals, infections, traumas, an aggravation of chronic illnesses. To use medical aid under the insurance for travelers, it is necessary to call in the representation of your insurance company specified in the policy and to describe the arisen problem. You will consult to whom to address and how to operate in the circumstances. If that circumstance happens representatives of the company will organize medical aid or transportation in clinic.
The representative of the company should name insured, number and insurance policy period of validity where you are also phone number on which it is possible to communicate with you.
In an ideal all organizational and financial questions should dare the insurance company. There can be such situations when it will not be possible to communicate with the representative of the insurance company at once. Then to pay medical services to you it is necessary from the pocket, and then all the same to report the accident to the representative of the insurance company as soon as possible, it is desirable not later than three days after the reference to the doctor. The appointed insurance company the doctor-expert should examine insured, to familiarize with its case record, and whenever possible, to supervise its condition. Only in this case the insurance company compensates you expenses on health services and the other services accompanying rendering of medical aid.
If you have independently paid expenses on out-patient or hospitalization – don’t forget to legalize papers correctly that the insurance company hasn’t refused to you payment. It will be necessary to write the corresponding application for it to the representative of the insurance company. It is necessary to put the insurance policy and the documents confirming the fact of payment to the statement – accounts from medical institution with instructions of a surname of the patient, the diagnosis, reference date behind medical aid, the list of the rendered services with their breakdown at cost. That who has paid hospitalization, it is required to present to the insurance company of the account of daily expenses for stay in hospital with instructions of day of receipt in hospital and extracts from it. The same is with expenses on medical products – recipes with stamps the drugstores which have been written out by the attending physician, and instructions of cost of each got required medicine.
If you had to pay transportation in medical institution put tickets or the receipt. All documents should be issued according to requirements of the insurance company, of them signatures of the persons who have given out them and the organization press should be put down.
Usually payments under the insurance for the travelers, put to you as indemnification for the incurred expenses are made within 10 calendar days from the moment of granting of all necessary documents.
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