ABOUT MEDICAL INSURANCE

Frequently asked questions

• The cost of medical insurance abroad

  We can help you choose the most convenient medical insurance offer for abroad, according to your preferences. Instead of running around to countless insurance company offices or various insurance agents to compare prices, the calculator does the job for you in just a few seconds. Access the Medical Insurance Abroad Calculator section, and in just a few steps you will get an entire list of prices from insurance companies, and all that's left is to choose the price and the company you want.

  The rates are obtained directly from the insurance companies, and NO commission is charged.

  The most important factors in determining the price of the insurance policy are:

  • the period for which the insurance is taken out – this can be between one day and one year;
  • the insured amount – between 5,000 euros and 60,000 euros, depending on the area you are traveling to and the plan offered by the insurer;
  • the destination country – for European countries, take out policies with insured amounts of no less than 30,000 euros. For CIS countries, 10,000 - 15,000 euros is enough. In countries such as the USA, Canada, Japan, Austria, and Switzerland, medical services are much more expensive – coverage must be at least 50,000 euros;

  • the age of the insured person – for elderly people, certain coefficients are set to increase the insurance premium;
  • the purpose of the trip – if during your stay abroad you will carry out activities related to physical labor, professional/amateur sports, or rest at mountain resorts, you must select the corresponding purpose of the trip, otherwise the company may refuse compensation.

  Depending on the type of insurance and the additional clauses you opt for, the coverage of the policy varies: from the simplest, which only cover medical expenses resulting from an accident or a sudden illness, to the most complex, which also cover dental expenses, surgical interventions, physiotherapy procedures, or even expenses related to trip cancellation.

  It is important to know that the price of travel insurance also varies depending on the type of insurance package: Standard, Premium, or Storno.

  The Premium package includes certain additional insurance options.

  The Storno insurance offers protection in case the trip can no longer be taken due to unforeseen events such as:

  • an injury or sudden illness requiring hospitalization, unforeseen at the date of travel, as well as the death of the insured or of members of their family (husband, wife, mother, father, son, daughter, brother, sister);
  • damage caused to the insured's property as a result of fire, explosion, or natural disasters (floods, landslides, earthquakes), as well as damage caused deliberately to the insured's property by third parties, as a result of which their presence is required to investigate the circumstances of the case;

  • an unforeseen court trial, in which the insured must take part according to a court decision.

  To calculate the price of a travel medical insurance policy abroad, click here and in a few seconds you can choose the most advantageous offer for you. To find out which risks are included in the insurance policy, click the INFO button next to the company you are interested in.

• Medical insurance – exceptions

  When you purchase travel medical insurance abroad, you must be aware that the policy only covers medical problems that occurred during the trip. Therefore, chronic conditions, those that do not require immediate treatment or those cases in which treatment can be postponed until returning to the country are not included in the insurance policy .

  In order to avoid unpleasant situations in which the company refuses to compensate the medical expenses incurred, you need to know in advance in which cases and for what reason the insurance company will not pay compensation.

  Expenses incurred for the following are not compensated:

  • treatment of illnesses that began before departure abroad;
  • treatment of chronic and oncological diseases;
  • preventive investigations carried out without a doctor's recommendation;
  • medication not prescribed by a doctor;
  • medical services that were not necessary;
  • non-traditional medicine services;
  • dental prosthetics (only expenses for the treatment of acute dental conditions are compensated);
  • plastic and cosmetic surgery;
  • the purchase of glasses and hearing aids;
  • the consequences of alcohol and drug intoxication;

  • treatment of AIDS and venereal diseases;
  • self-inflicted bodily injuries caused deliberately by the insured;
  • suicide and the consequences of a suicide attempt;
  • injuries and illnesses that occurred as a result of unlawful actions;
  • the consequences of nuclear explosions, radiation, or radioactive irradiation;
  • risks not provided for in the insurance contract;
  • medical rehabilitation.

  It is also good to know that there are certain exclusions from the territory of validity of the insurance contract:

  1. the Republic of Moldova;
  2. the country of origin of the insured, in the case of foreign citizens;
  3. the country where the insured holds a residence visa ;
  4. states in whose territory military actions take place (wars, revolutions, coups);
  5. states against which economic or legal sanctions are applied by the UN;
  6. states in whose territory various sources of mass epidemics have been detected;
  7. states in whose territory there are evident risks related to personal safety.
• What do I do if an insured event occurs?

  If during your trip you need medical assistance, you must contact the Assistance Center at one of the numbers stated on your insurance policy

  During the call, provide the following details:

  • your first and last name;
  • your current location;
  • the number of the insurance policy issued by the insurer;
  • a phone number where you can be reached abroad;
  • details about the medical emergency or information about the insured event that occurred.

  Act according to the operator's guidance. They will direct you to the nearest authorized hospital or medical institution that can help with the situation. The expenses will be paid by the assistance company.

  The assistance service operators are available 24/7 and serve clients in Romanian and Russian as well.

  How the amounts paid are reimbursed?

  If you have paid for medical services yourself in the country where you are located, within 24 hours of payment you are required to contact the Assistance Center and report the amount of the expenses.

  Important! If you cover the expenses yourself – when visiting the doctor – ask to be given a medical report stating:

  • your name, the doctor's name, as well as the date you sought medical help;
  • the diagnosis established;
  • the doctor's instructions – what treatment and medication you need.

  If you purchase medication or pay for treatments and procedures that were not prescribed by a doctor, you will not be able to obtain compensation for their cost from the insurance company.

  When paying for the cost of medication, treatments, and medical procedures, keep all receipts, vouchers, and invoices , in order to be able to prove the expenses incurred to the insurance company!

  Upon returning to the country, you must contact the insurance company as soon as possible (within a maximum of 30 calendar days from the end of treatment) to obtain the compensation payment. If the compensation claim is not submitted within this deadline, the insurer reserves the right to refuse payment of the compensation.

  Expenses incurred in geographical areas or time periods not stated in the policy are not reimbursed, nor are those for treatments or procedures carried out for illnesses or conditions that existed prior to taking out the policy.