Travel health insurance

Do you love to travel? Do you often go on business trips to neighbouring and more distant countries? Then a travel insurance policy is exactly what you need. An insurance policy will help you avoid unforeseen expenses that may arise during a trip as a result of a sudden health problem, an unexpected situation or other troubles.

Having an insurance policy is a requirement of the consulates of many countries when issuing a visa, whether a visitor, business or tourist visa.

Insurance protection

Our clients are served worldwide by assistance companies, depending on the insurer and the territory of stay. The companies provide our clients with a separate dedicated, easy-to-dial telephone line and ensure access to a Russian-speaking operator in Turkey, Egypt, Germany, the Czech Republic, Austria, Bulgaria and other countries.

In an emergency, you only need to make one call to the assistance company at the phone number indicated in the policy, and the operators will arrange all necessary medical or other assistance.

Compensation under the insurance policy

The insurance policy protects the insured person against unforeseen expenses related to medical care abroad, including when practising sports.

The following expenses are covered under the insurance policy:

• medical expenses for inpatient and outpatient treatment;
• pregnancy-related expenses where the pregnancy term does not exceed 3 months;
• expenses for treatment of acute toothache;
• expenses for treatment of injuries;
• 24-hour dispatch service;
• emergency ambulance services;
• evacuation and repatriation expenses.

What determines the cost of a policy?

The cost of an insurance policy depends on the country of temporary stay, the sum insured, the number of days spent outside the place of permanent residence, the chosen insurance programme and whether a deductible applies.

Loading factors are applied to the base cost for those practising professional or amateur sports.

Loading factors are applied to the base cost when insuring clients under one year of age and over 65.

You can go on a trip with our insurance through the tour operator "HOT TOUR" LLP - http://hottour.com/