Policy for the extremal

cost of the policy with the basic insurance cover (? 30 thousand) for a journey a ski resort in Europe for eight days will be 350-850 USD. depending on the company (MSC were interviewed, "Alfa Insurance", "Standard-reserve", "VTB-insurance" and "Uralsib). But it's better to look not at the price , and the content of the policy. For example, some companies in the base rate includes service on the organization of child's return home in case of serious injury parent (SC Uralsib), others do not have this option. Meanwhile, this nuance is certainly worth consideration if you go on a trip with children. The situation where a parent received injuries require emergency surgery, and child in this case should be sent home, there often. Having decided that an urgent returning to their homeland, an injured parent may miss the time needed for successful treatment. Another detail : some companies of the policy only applies to skiing on marked trails (AlfaStrakhovanie, MSC), the other is no such limitation ("Standard-reserve"). "Standard-reserve" also guarantees payment of the first visit to the doctor, even if it subsequently This case will be considered non-insurance. Police skier or snowboarder must provide for and organization of health care and transportation assistance, and adequate means of transport, according to the company "VTB-insurance." It should cover not only the cost of outpatient treatment for an occurrence, but also costs hospitalization, surgery, emergency dental care, as well as spending on prescription drugs. It often happens that the insurer pays for medical advice and prescription for prescription drugs paid by the insured himself. Upon arrival, he needs a month to apply to the UK for reimbursement of their expenses, but not everyone is at this time. It is better to solve this issue once in place: a doctor can give yourself medicine and include their cost in the bill, which pays the insurer. One thing: the service company should send you into that clinic, where doctor will do it. Complete policy provides search and rescue operations, including evacuation from the mountain by helicopter injured skier. "Another thing is that no one will guarantee the waiting time of arrival of the aid itself - says Natalya Kucherov, head of travel insurance UK Uralsib. - The fact that at any resort is only one helicopter, and if at some point will need help to multiple moves, someone will have to wait their turn. "And in the case of less serious injuries to the rapid provision of assistance is not always is expected, experts said. First, have to dial up the service center, his phone listed in the policy (and therefore should always keep it to yourself), then independently reach places receiving doctor that tells the operator, but there still may have to sit in a queue waiting for admission. Having defined a set of risk and insurance services medrashodov, skiers should be insured under the same policy from an accident, as well as to insure their civic responsibility. Police are traveling with the civil liability of $ 15-30 thousand, medrashodov $ 40 thousand as well as from an accident on $ 5-10 thousand cost for an eight-round about 1,2-1,3 thousand rubles. If desired, also in the policy can provide protection against flight delays and trip cancellation.