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Vacation insurance? Necessity or futility?


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Vacation insurance? Necessity or futility? Holiday time is behind us, but it is good to recall this hot topic. If you are taking a vacation to a foreign country, it is worthwhile to set a travel insurance. National Health Insurance does not cover everything, and additional insurance is not expensive. Why should I be insured for a holiday in the European Union when my health insurance is valid in the EU? Especially because our insurance, which you pay, or you are taken away from salary, even if you do it in private medical praxis, but only up to the prices paid to your local doctors. It may happen that you will have to pay for the doctor's arrival or the transfer to the hospital. Our "normal" insurance also does not apply to the possible transfer of a patient from a foreign coun..
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Vacation insurance? Necessity or futility?

Holiday time is behind us, but it is good to recall this hot topic. If you are taking a vacation to a foreign country, it is worthwhile to set a travel insurance. National Health Insurance does not cover everything, and additional insurance is not expensive.

Why should I be insured for a holiday in the European Union when my health insurance is valid in the EU? Especially because our insurance, which you pay, or you are taken away from salary, even if you do it in private medical praxis, but only up to the prices paid to your local doctors. It may happen that you will have to pay for the doctor's arrival or the transfer to the hospital. Our "normal" insurance also does not apply to the possible transfer of a patient from a foreign country home, you will not even get payment for your lost personal belongings.

Accident with borrowed vehicle

Car rentals are quite common in popular resorts. But what if we crash with the rented car? If we know in advance that we are renting a car (or even a boat), we have to find a product with some of our insurance companies to cover any damage. A similar accident is probably not covered by our travel insurance, there are exceptions for rental or rented items.

An alternative is insurance with a company that car, boat or anything else that can cause damage, borrows. As a rule, the company attracts holidaymakers just because they have insurance. Try to learn the terms of this insurance. This can be difficult because the landlord promises anything for the profit, but when the accident occurs, the reality may be different. So, if you do not understand the insurance documents that you offer, you can risk it or simply do not lend the thing.

I broke the hotel facilities

After a night's return from a good party, you turned your head, you fell, and you pulled the tablecloth off your hand and all that was on it. Including colour television. If you have a liability insurance that applies to things located in rented accommodation facilities but is mainly valid in the territory of the country where you participated, then you can be at rest. This insurance should cover the damage.

Another option is to arrange a liability insurance for travel insurance. If you go to a party often, think of the higher limit of the policy.

I hurt another tourist

It would be a bad luck, but it might happen: The tourist jumped in front of you in the waterslide, and when you took a little while on the same route, you found out that she was going slowly and you were fast like a wind. Braking was stiff, eventually you did not jump in the tube, but you jumped literally on her back. The wound was so great that she suffered damage to her cervical spine. She had to stay home for work for several weeks.

It can be assumed that in such a case, the cost of treatment, transport and follow-up treatment would be paid either by a health insurance company caught by a stranger or by her travel insurance. But she would be looking for a guilty man, and that would be the one he'd hit. Apparently he did not have enough time to reach the previous slide, or to go into the tube before the warning sign allowed him. All of the costs would probably follow him. However, if the liability insurance is covered by travel insurance or, in particular, by household insurance, then it would be possible to pay all the costs directly from it.

However, it is important that the coverage of this risk is negotiated within a reasonable limit, experts estimate EUR 1 million for a minimum amount.

Even pregnant women travel

Pregnant women, of course, cannot be disqualified from travel and insurance applies to them. Here, however, it is important to find out in which degree of pregnancy the insurer costs the treatment and the activities associated with it. The guarantee of this care mostly ends between the 24th and 28th weeks of pregnancy.

In these cases, it is also important for insurance products to find out if there are any exceptions, such as premature birth. Almost certainly will not be insured for compensation for possible health complications incurred before leaving for vacation.

It is necessary to add that giving birth abroad or helping with complications during pregnancy or childbirth is considered as urgent medical care. The so-called European Health Insurance Card, a blue card with a health insurance company, should be sufficient to cover costs.

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