Insurance in Egypt - what you need to know
The laws of the Russian Federation oblige any tour operator to provide the traveler with insurance as part of a package tour. Most tourists do not read the terms of insurance, hoping that the insurance will not come in handy. This is not surprising, because these conditions are long and contain many incomprehensible terms for tourists.
In this article we will try to understand the terms of insurance and consider the common insurance and non-insurance cases.
Read the terms - it's fun
In vain tourists do not read the conditions of insurance, because this is a very fun activity, and we even tend to call it a separate tourist attraction.
Insurance conditions consist of two large parts. The first part contains a list of insurance cases. When you read this part, you wonder how much the insurance covers. This is not due to the illness of relatives, and trauma, and illness, and early return home if necessary.
At the end of reading the list of insurance cases, you feel completely protected from all misfortunes and troubles while traveling.
This feeling of euphoria does not last long, namely, before reading the second part, entitled "GENERAL EXCEPTIONS". In this part, all situations are specified where the company does not pay any compensation. This second part is several times larger than the first. At the end of reading, it turns out that there are not so many insurance cases, there is disappointment. The conclusion of the contract describes the concept of "franchise", which we will discuss further.
What is a "franchise" in insurance
The word "franchise" in insurance means a certain amount, to which the company does not reimburse expenses at all. In travel insurance, it is, as a rule, 30 American dollars.
That is, if you get hurt and come to the doctor, he wound up your wound with a band-aid and wants for it 20 dollars, then you pay this money out of your pocket.
If you have two wounds, and he stuck two plasters, then that's $ 40. In this situation, you pay 30, and the insurance company will pay 10 dollars.
If the bill for medical services is $ 100, then you pay 30, and 70 the insurance company pays. And so on.
Of course, insurance from franchises is cheaper than usual. It is for this reason that Russian tour operators only buy them.
Actions of the parties in case of an insured event
All insurance contracts say that you must contact the insurance company before you receive medical assistance. Only if you can not call the insurer, you can go to the doctor without a call.
These items cause a lot of controversy, as the concept of "no way to call" is very vague.
For example, if you have a bleeding. Do you have the opportunity to call? Logically, you do not have to call anywhere, because the bleeding needs to be stopped urgently. Bleeding threatens your life, and you urgently need to see a doctor.
According to the logic of some insurance companies, you have to plug the wound with something and immediately look for a phone for communication.
The second problem is that after the call, the operator will try to send you the cheapest medical assistance that is available to him. The insurance company takes care of your money, not your health. There were situations when tourists with fractures and terrible pain waited for the whole day, while the "pocket" ambulance from the insurance company arrived, although the other clinic was across the road from the hotel.
In all these situations it is even difficult for us to advise something. We can only recommend not to receive injuries during the trip or to have a rest in Russia, where the native OMC acts.
Insurance and non-insured events
Let us consider some cases. Attention! We consider these cases from the point of view of general statistics. Your insurance conditions may differ, and the set of insurance cases and exceptions may be different. Read your insurance policy, everything is written there.
The first case. They slipped by the pool and broke something. This is an insurance case. Ask your satellite to call the insurance company, they will call an ambulance.
But, do not forget the most important point, that at this moment you must be sober. No insurance covers injuries sustained in a state of intoxication.
The second case. You went on an excursion and got hurt. For example, they fell from the pyramid of Cheops or stumbled on the floor of the Karnak temple . This is also an insurance case, and it does not matter who bought the tour.
Many representatives of tour operators say that when buying excursions from third-party agencies, insurance does not work. Actually it works. If you read the terms of insurance, then do not find in them a mention of your tour operator. Hotel guides intentionally lie to tourists to sell their tours at inflated prices.
The third case. You went on a safari in the desert , and there fell from the ATV. This case is NOT insurance, as you were engaged in extreme sports. For such trips, you need to purchase special sports insurance. The tour organizer must do this.
The case of the fourth. You decided to ride "on a banana" or on a parachute over the sea. You fell and were injured. This case is NOT insurance for a similar reason.
The case of the fifth. You are scorched in the sun. Also, the case is NOT insurance, in all insurance it is clearly spelled out. Any problems with sunburn are not compensated.
The case of the sixth. You bathed in the sea, and someone bitten you or stung you. Also, the case is NOT insurance, as it falls under the article "careless handling of animals." Did you notice that Germans, Englishmen and Frenchmen seldom bathe in the sea and spend most of the time by the pool? It's not just that, they are afraid to be treated at their own expense.
The case of the seventh. You have a toothache. This situation can be either an insurance or an insurance event. Insurance covers expenses for emergency dental treatment. That is, if you break a tooth, then you will be urgently sealed, but not more than that.
The case of the eighth. You're poisoned. A very unpleasant situation, we recommend our article " how not to poison yourself in Egypt ." But if this happened to you, then safely contact the insurance company.
The case is ninth. At home you have a close relative. This is also an insurance case, the insurance company must pay you a new ticket home. Unfortunately, most insurances do not provide early repayment for serious illness of relatives, but only at death.
The case is tenth. You are dead. Your corpse is transported free of charge to your homeland. There are no monetary compensations to relatives for travel insurance.
Now let's talk about the diseases. The insurance does not cover chronic illnesses, and this must be remembered first. Of course, in case of an exacerbation of a chronic disease with a life threat, you will receive first aid for insurance, but no more. With hereditary diseases, everything is the same.
All diseases from which vaccinations exist are not covered by insurance. It is believed that you yourself are to blame for not taking root.
If you get sick before the trip, then this is also NOT an INSURANCE case. That is, if you want to be treated for insurance, then always say that you are sick already on the trip.
As a result, the list of diseases that you will cure at the expense of the insurance company is very small. This includes appendicitis, simple viral infections and the like.
Even in the contracts there is a very interesting moment. If the disease was before your trip, then his treatment is not covered by insurance. That is, you were required to undergo a complete examination before the trip, to identify all the diseases and cure them.
To the last point, almost all diseases that exist in nature can be classified. Theoretically, insurers can deny you almost under any circumstances.
If you do not want to overpay, you should read the following information and understand the motivation of each side.
The insured wants to receive medical assistance at the expense of the insurer. The insurer does not want to pay. The clinic wants to get money for its services.
First of all, you need to remember the motivation of the clinic. Once they find out that you have money with them, they will try to "shake" them off you. It's logical, so reliable for them.
If they find out that you do not have the money, they will in every way try to recognize the case as insurance. Even if you are injured in a state of intoxication, they may simply not conduct an examination, and such precedents have taken place.
The conclusion is obvious. On the question of how much money you have with you just do not answer. On all such questions, show your insurance policy and say that you have read the terms and you know that the insurance case. So no one will deceive you.
If you can not go on a tour for a good reason, then money can be returned even by ordinary tourist insurance. The reasons may be: the death of close relatives, a serious illness of close relatives or refusal to get you an entry visa for reasons beyond your control. Read the terms in your policy, there everything is written in detail.
Unfortunately, this good news does not apply to owners of package tours from Russian tour operators. The fact is that the operators draw up the documents at the last minute.
For example, you bought a ticket on July 25, should depart on August 10. July 28 reveals that you are seriously ill mother, and she needs care.
You do not have any documents yet. You do not know the number of your policy, you do not even know the name of the insurance company. Moreover, the tourist operator has not even bought you a policy.
As a result, you paid money for a tourist package, in which there is an insurance policy, but you can not use this policy. Accordingly, remain without money.
Do you think this is unfair and "wild"? You are absolutely right. Tourist business in Russia is generally uncivilized. It is for this reason that sales of package tours are falling, and the market of independent travels is growing every year.
We wish your policy never to come in handy, and read our other articles about Egypt ( links below ).
Read about Egypt on our website
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Thank you, everything is very understandable and understandable about Egypt. I have a question. On the excursion boat along the Nile, is there such a route? Where does it begin and where does it end? How much is? Where to buy a ticket or tour? Thank you.
Alexander - GlavRed site
There are many such routes. The best starts in Cairo and ends in Aswan. But it's hard to buy this now.