As a rule, we are forced to buy medical insurance when traveling, if it is included in the package of documents when obtaining a visa. But there is always a possibility that medical care may be needed abroad.
We will present you with two real cases.
The first case occurred in China, where the tourist did not have medical insurance.
“As a result of an accident on the street, I slipped and broke my leg. An ambulance was called and taken to the international hospital. The cost of transportation to the hospital (ambulance is paid), X-ray, doctor’s examination, anesthesia, crutches, and a tire cost $ 800. The cost of surgery on the kneecap was announced at $ 43,000. Naturally, she refused the operation. I had to urgently change plane tickets, economy class, to business, so that there was a possibility of transportation home”
Would the insurance company cover these costs if there was insurance? Definitely, yes. This is a classic accident. If a tourist would buy an insurance policy in Azimuth Insurance, she would have to pay only $ 26 at the exchange rate of the Central Bank of the Republic of Uzbekistan, while the insured amount would be $ 100,000.
What are we covering?
- Outpatient and inpatient (emergency surgery only) treatment
- Treatment from Covid 19
- Emergency dental care
- The return home of underage children left unattended
- Medical evacuation
- Search and rescue activities
- Purchase of medicines according to prescriptions prescribed by a doctor
The second case happened during an excursion to a Buddhist temple known as the “Monkey Cave” in Thailand.
“On the way, the guide asked all tourists to take off all shiny objects, put away phones and cameras.
Later they explained to us that there were cases when primates tore off glasses, earrings, and chains from tourists stole personal belongings from bags. I didn’t believe it. Moreover, on the site near the temple, I was already surrounded by a cute family of macaques.
It took the primates a few seconds to attack the naive tourist.
A monkey with a calf under his arm sat down at my feet, tilted his head to one side, and held out his paw to me. While I was touched by this scene, a second monkey jumped on top of my shoulder. She bite my hand, which had a bag of nuts in it. I screamed in pain. The robber snatched the bag and they disappeared,” says the Tourist.
There was a small but deep wound on his arm. Local doctors provided the victim with the necessary assistance in accordance with a travel insurance policy: the bite site was treated, staples were applied, and vaccinated against rabies and other dangerous infections. Three days later, the tour ended and the tourist flew home in peace.
How to act if you need help?
- Contact the Assistance Service by phone or using other means of communication specified in the Insurance Policy
- If necessary, a doctor or ambulance can be sent to your hotel
- If it is not possible to call the Assistance Service before being sent to the clinic, do it as soon as possible. It is necessary to report the incident to the Assistance Service before paying bills/expenses and present the policy to the medical staff.
Couldn’t contact the Assistance Service? You can pay the expenses yourself. In this case, upon arrival in Uzbekistan, upon submission of the relevant documents and receipts, the Company will reimburse all medical expenses (payment will be made in sums at the rate set by the Central Bank of the Republic of Uzbekistan).