The hiring of a Travel insurance implies a prior knowledge of the operation of this for a insurer offering guarantees and a good backup in case of disaster, disease, accident or any contingency during the stay abroad.
What should a good travel insurance?
Before choosing a surely We should remember his Terms, and the restrictive clauses that comprise it. In most cases, its duration is conditional Health Insurance of the person and that is complementary to the same. The key points for travel safely be validity and a number of safeguards referred to below:
- Validity: Apply in the world. To be able to give this application the person must live in Spain and justify their time in residence. Exceed more than 60 travel or travel days may be nullified.
- Repatriation of injured,patients and families (or other insured): the company must bear the costs of ambulance transport, arrange a medical team that the insured, bear the costs of transfer of means of transport to the hospital, remaining policyholders transport to their place of habitual residence or place of the sick hospitaliación, make available to escort staff if minor children or other circumstances.
- Early repatriation: handle the anticipated return of the insured in case of death of a first-degree.
- Repatriation of deceased: The insurance should take care of all formalities to be carried out when the insured dies, and their repatriation to the place of burial. If at the time of his death, family members accompanying the insured and they can not return properly, the company must take charge of their transportation to the place of ceremony or burial. In case of minor children, a person should be in charge during alviaje.
- Coverage in serious accidents: the insurer must make available to a family ticket costs round, and the hotel when the insured will spend more than five days of hospitalization in the hopsital. It is important to ask the franchise for family living expenses of a hotel. Normally, companies have a limit per day or a maximum, well call for any evidence to that family for a refund later if you give the case.
- Medical Expenses: Before a medical, Pharmaceutical, surgical or hospital, the insurer must respond to medical expenses and fees, hospitalization costs and drugs or medical devices prescribed by the doctor. Evidently, There is maximum per insured should be consulted as it differs between insurance companies. Also, the insurance company can arrange shipment of prescription drugs to the place where you are insured, and medication or articles of prime necessity that he had forgotten before you travel. This should be discussed under the laws of the country being visited or alternatives that may be in the same.
- Living expenses: Following the hospitalization of the insured, the company must bear the subsequent costs after hospital discharge. These costs are the days of extension which must remain on site as long as a prescription medication that has so decided.
- Dental emergencies: If during your stay abroad, the insured suffers a sharp dental emergency that requires urgent treatment, the company must take care spending. There, course, a ceiling of expenditure should be consulted. Generally, the maximum range from 200 and 500 EUR.
- Baggage and personal effects: For cases of theft, loss or loss of luggage, The company will provide help in reporting the facts, and if they recover,is responsible for transport to the place where the insured is, or, to their home. If the objects were stolen or lost during the trip, the insurer will be responsible for the cost to return.
- Resources and Money: The insurer may advance funds abroad to theft of money, Credit cards or checks to prevent the insured to continue its journey. This is a complicated issue that should be reviewed well. Normally, the company will send a much money long as the insured to submit a warranty, a deposit or a guarantee, and has held the reporting of incidents to the authorities by the insured.
How to act in case of accident?
- Phone Call contact Insurance Company
- Providing data of the insured and policy number
- Order and save all documents, invoices and certificates that will serve to not void the warranty.
- Report, report as soon as possible and record all incidents of less serious as the loss of luggage or the purchase of drugs for possible reimbursement or, simply, the insurer to record. Subsequent claims once it has arrived in Spain are more difficult to handle.
- If you lose your luggage, the first thing to do is go to the claims office at the airport, make a clear and concise report of the contents of the bag and call the insurance company.
What is not covered by insurance or cause cancellation of warranty?
- Any benefit that was not requested at the time the company
- Pre-trip or diseases that are chronic and not provided
- Disease, poisonings and injuries caused intentionally by the insured
- Mental Illness
- Suicide and criminal actions
- Ceemonia and burial expenses
- Contingencies caused by unsafe practices and / or gambling
- Mountain Rescue, sea or desert
- Medical expenses such as prosthetic, lenses, eyeglasses and pharmaceuticals (lower around the 10 EUR).
- Childbirth and pregnancy (exceptions, so you should consult)
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