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What does deductible insurance mean?
Tell me what insurance with a franchise means and how to understand what insurance is attached to the tour?
Translated automatically from Russian. View original
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Answers • 19
The deductible is the amount that you have to pay in order to activate the insurance. To understand what kind of insurance, you need to read the document.
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answered 12 years ago
A deductible is an agreement between the insurer and the policyholder on the amount that the tourist will pay himself upon the occurrence of an insured event. Simply put, the tourist assumes part of the possible loss in advance. Your insurance policy will indicate the amount you will pay if an insured event occurs. As a rule, this amount does not exceed $30 for health insurance. You will have to pay less for such a policy. For those who want to save money, this option, of course, is suitable. But do not forget that the deductible amount will be immediately deducted from the sum insured if the insured event still visits you. For example, you cut your leg on the beach. A bandage and iodine cost about $3. You can consult a doctor, as this is an insured event. But you will be charged the amount provided for by the franchise, that is, $30. And treating a cut will cost far more than $3. But if you need very substantial and expensive medical care, then you should immediately pay $ 30 and you will immediately receive full insurance coverage under the contract. If you firmly believe that an insured event will bypass you, then perhaps this is your option.. But remember - saving on insurance is not worth it!
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3.5
answered 12 years ago
In general, we do not take package insurance seriously, but we insure additionally as we need. That insurance is cheap, and everyone knows where free cheese is.
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4.5
answered 12 years ago
I agree with jabetta, it’s better to take regular insurance plus an additional one, the cost of which is only $10-20 per person (depends on the insurance company and the age of the tourists)
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answered 12 years ago
We take VIP insurance, which includes the opportunity to engage in extreme sports (immediately large + to the price, but we need it) for 16 days, for two it costs $ 50.
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answered 12 years ago
We are not extreme people :))) Our additional (when I go with a child) includes medications, hospital stay (+ payment for accommodation and meals for one parent there), legal services, loss of luggage, etc.
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answered 12 years ago
This is a matter of personal necessity, of course, I just gave an example for Egypt (this is the maximum price) with the cost. Honestly, I always send the policy to the trash at home with pleasure :)))
Yes, I also forgot to say that you need to choose the right insurance company with good assistance for a certain country with Russian-speaking support.
Yes, I also forgot to say that you need to choose the right insurance company with good assistance for a certain country with Russian-speaking support.
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answered 12 years ago
I take it in ROM. also VIP, no deductible, lost luggage, flight delay/non-departure, dentistry, etc.
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answered 12 years ago
I've read everything, but one question remains. If the insurance is with a deductible and God forbid an insured event, then where and when should I pay the deductible amount?
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2.5
answered 12 years ago
In any case, you must immediately dial the telephone number of the insurance company indicated in the policy, and you will be given a guide to action.
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answered 12 years ago
A deductible is actually a non-covered amount of insurance. those. what you pay for yourself.
for example - a franchise of 100 ye. and here you have an insured event - you get sick. Your treatment cost $300. then you pay 100 ye, and 200 is the insurance office.
There are two insurance options:
1. either you show insurance on the spot and the doctor does everything for you under insurance and does not require money
2. either you take checks on the spot, and upon arrival you go to the insurance company and everything is returned to you
for example - a franchise of 100 ye. and here you have an insured event - you get sick. Your treatment cost $300. then you pay 100 ye, and 200 is the insurance office.
There are two insurance options:
1. either you show insurance on the spot and the doctor does everything for you under insurance and does not require money
2. either you take checks on the spot, and upon arrival you go to the insurance company and everything is returned to you
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2.5
answered 12 years ago
There are two types of insurance coverage:
Yes, but it's not up to you! These are two possible principles of operation of insurance companies!
You need to clarify in advance on what principle your company works.
It is better to choose those who insure according to the principle: "either you show insurance on the spot and the doctor does everything for you on insurance and does not require money."
But show not to any doctor, but to the one whom the operator will call you on the phone. That is, in the event of an insured event, we first call the hotline, report the emergency and wait for the doctor or go to the clinic that they call you.
Briefly ;-)
Yes, but it's not up to you! These are two possible principles of operation of insurance companies!
You need to clarify in advance on what principle your company works.
It is better to choose those who insure according to the principle: "either you show insurance on the spot and the doctor does everything for you on insurance and does not require money."
But show not to any doctor, but to the one whom the operator will call you on the phone. That is, in the event of an insured event, we first call the hotline, report the emergency and wait for the doctor or go to the clinic that they call you.
Briefly ;-)
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answered 12 years ago
hatinka, TS asked about package insurance (as far as I understood), so there you need to ask the TO for options - with what insurance they work and under what conditions, in general, read the materiel, if the docks are already on hand, and if not, then slow down of their TA, well, they should not only take money, but also provide information.
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answered 12 years ago
Anetka-gan is absolutely and unconditionally right.
I will add. Insurance can be without a deductible, in which case its cost will be higher.
I will add. Insurance can be without a deductible, in which case its cost will be higher.
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answered 12 years ago
"But you show not to any doctor, but to the one whom the operator calls you by phone. That is, in the event of an insured event, first we call the hotline, inform about the emergency and wait for the doctor or go to the clinic that they call you."
In Thailand, you can simply come to any hospital and show insurance. The hospital itself contacts the insurance company and settles all questions.
In Thailand, you can simply come to any hospital and show insurance. The hospital itself contacts the insurance company and settles all questions.
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answered 12 years ago
Good country Thailand.
In general, the operator of the insurance company really calls the doctor and the clinic.
With self-treatment, ordeals are guaranteed: the insurance policy of the clinic is up to the light bulb, since it may not have an agreement with this insurance. Pay the money yourself - you are tormented to receive it back in your insurance.
So your quote is correct.
In general, the operator of the insurance company really calls the doctor and the clinic.
With self-treatment, ordeals are guaranteed: the insurance policy of the clinic is up to the light bulb, since it may not have an agreement with this insurance. Pay the money yourself - you are tormented to receive it back in your insurance.
So your quote is correct.
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answered 12 years ago