When starting our travel abroad, we usually hope to have fun and get many new and pleasant impressions and experiences. To secure your travel from health contingencies it is better to take care of your insurance in advance and purchase a medical expenses insurance policy from Ingosstrakh. This is the best way to make sure that whatever medical expenses may come, they will be all covered by Ingosstrakh.
The insurance policy covers the following expenses:
Medical expenses: medical assistance in the event of an acute disease or injury, cost of prescribed medication.
Medical transportation expenses: transportation of the Insured person from the occurrence location to the nearest medical facility or to a doctor; emergency medical repatriation of the Insured person, including accompaniment (if prescribed by doctors) from abroad to the place of residence.
Transportation expenses: expenses on the Insured person’s travel back home or that of his/her children is the former are left unattended as the result of the insured event; two-way travel of the insured person’s relative to visit the Insured person in the event of long stay in hospital;
Post mortem repatriation: delivery of the body of the diseased person to the place of residence if the death of the latter results from the insured event.
We have special Service Centers at your disposal:
Our twenty-four-hour service center with Russian -speaking operators shall be addressed in the event of emergency medical assistance needed.
The services of the service center are available in Moscow, Turkey, Egypt, Spain, Andorra, Bulgaria and other countries around the world.
The telephone of the 24x7 service center is provided in the insurance policy.
Each country and hotel has its own rules and codes for dialing international numbers. Please find out more about them before placing a call to the service center.
How your medical expenses are covered:
Your medical expenses are covered by Ingosstrakh either to the medical facility directly or are compensated to the Insured person if paid out of pocket.
If you pay for the medical care you receive on our own, please make sure that you reconcile all and any costs with Ingosstrakh’s service center prior to referring to medical assistance.
To receive a guaranteed compensation of your costs, please make sure that you submit the documents to confirm and justify the costs incurred to Ingosstrakh within 30 days after the end of your travel.
Our tariffs are absolutely clear and transparent:
The price of your policy depends on the insured amount and the length of your travel.
The amount insured is determined by the client and is denominated in US dollars or Euro (at the client’s discretion) with a view to the country of destination.
The amount insured for European countries, inclusive of Schengen countries and Lithuania, is denominated in Euro.
The price of the policy (the insurance premium) is indicated per each insured person per day of travel in US dollars or Euro depending on the insurance currency you select.
Tariffs
Length of travel
Insured amount
15.0001
30.0002
30.0003
50.0004
50.0005
75.0004
75.0005
1-7 days
1,1
1,59
3
2,2
3,3
2,86
4,29
8-15 days
1
1,5
2,8
2,1
3,15
2,6
3,93
16-30 days
0,9
1,4
2,5
1,89
2,84
2,29
3,44
31-90 days
0,8
1,1
2,2
1,6
2,4
2
3
91-180 days
0,7
0,9
1,8
1,3
1,95
1,69
2,54
181-365 days
0,5
0,8
1,3
1
1,5
1,4
2,1
365 days, multiple travels up to 90 days each
0,3
0,5
1
0,71
1,1
0,99
1,49
(1) - all countries, except Schengen countries, West Europe, USA, Canada, SAR, Japan, Australia, Israel, Latvia, Lithuania, Switzerland; (2) - all counties, except the USA, Canada, Japan, Australia and Switzerland; (3) - Øâåéöàðèÿ; (4) - all countries, except the USA and Switzerland; (5) - all countries, including the USA and Switzerland.
Ingosstrakh reserves the right to apply the multiplying or reduction factors for the calculation of the insurance premium in the following instances:
