Do I need medical insurance in Turkey, how much does it cost and where is it cheaper to buy? We will consider all the nuances of online registration, find out prices, find the most optimal options for life insurance on vacation abroad.
The reasons for traveling to Turkey can be very different; rest, study, work, marriage with a Turkish citizen, a long stay in the country, for example, with relatives. In all these cases, in addition to recreation, you will need to apply for a visa to the country and purchase health insurance.
Do I need health insurance for holidays in Turkey?
Insurance is your personal contingency protection. Although medical insurance is not required to travel to Turkey on vacation, it makes sense to purchase it. The amount spent on the purchase is incomparably less than the force majeure expenses on the trip. God saves man, who save himself!
When buying a tour package, minimum insurance is included. It is worth familiarizing yourself with its capabilities and, if necessary, re-registering it for a more serious one. Check if its cost includes a deductible.
Important! Some insurances include a deductible of $ 25 to $ 50. This is a certain non-refundable value in the event of an insured event. Perhaps it makes sense to change the company - the insurer (assistance - company). For example, for a company with the same conditions, but without a franchise. Or expand the list of insured events for an additional fee.
On an independent trip, you will have to take care of your health and the health of your loved ones yourself.
In what cases it is necessary to purchase insurance:
- If you are traveling with children.
- If you plan to play sports or travel by any means of transport on your own or with an instructor.
- In the presence of pregnancy, especially in the early and late stages.
- With the risk of exacerbation of chronic diseases.
- If you are allergic to anything. So the ERV company policy insures even against sunburn.
- If there is a risk of alcohol intoxication. ERV insurance allows you to get help in this case, unlike other companies.
What is required for registration?
You can take out insurance in person at the offices of insurance companies, in a travel agency or on the relevant sites online. There are many insurance websites, it is not so easy to understand the conditions for purchasing insurance services. Lawyers often use the same terms to describe different processes.
So fractures, injuries, poisoning - everything that we used to consider an accident is included in the minimum set of any insurance. Accident clearance may be prescribed separately, but it may imply compensation upon arrival rather than assistance. Read carefully, or rather contact insurance consultants.
Important! When applying for a policy, choose a reliable assistance - a company that will protect your interests abroad, in this case, on vacation in Turkey.
- The best companies to keep in mind first are International SOS (ISOS), Euro-Center Holding and Axa assistance (AXA).
Where to buy cheap insurance in Turkey?
Sravni.ru is one of the best sites for purchasing insurance that we use constantly when we travel frequently in Russia and abroad. On this site you can compare prices for different insurance companies and quickly draw up the required package of documents.
The next most popular sites among tourists are Polis812, Instore.travel and the Russian insurance search engine Cherehapa. Insurance conditions may differ from company to company. In some cases, it is more profitable to arrange a trip with one company, in others - to turn to the services of another company.
International insurance is considered the best in our experience. ERV self-acquired. This option is somewhat more expensive than others, but it covers a large number of risks, including complications of pregnancy, chronic diseases, allergies, and even help with alcohol intoxication. Travel agencies sell insurance to the company's unreliable affiliate partner.
Travel insurance for holidays in Turkey with children
Which insurance company to choose for registration depends on the possible risks, your financial capabilities and the length of stay in another country.
The best international insurance companies according to tourists' reviews:
- ERV... Assistance Euro-Center Holding. You will receive this very company as an assistance only in the case of a personal purchase of a policy (not with a voucher). The most expensive, but also the most serious in terms of child protection. She even insures children against sunburn. Bonus - online doctor (consultation of Russian doctors). Moreover, the service is free. The insurance is valid not only in Turkey, but all over the world. When registering, there are no increasing coefficients for payment for children.
- Your assistance... The main advantages of insurance are large amounts of coverage, the ability to issue a policy even for infants, and a quick decision (within an hour). The package includes protection when riding horses, bananas and a visit to the water park. In this insurance there is a limit on chronic diseases insurance up to 3000 euros. The insurance is ideal for short trips. The policy purchased for a period of more than 3 weeks implies a $ 50 deductible. Insurance can only be purchased on the company's website.
- ERGO-AXA-PREMIUM... Axa assistance (AXA). Insurance allows you to choose a clinic yourself from a list of local institutions or call a local doctor at home. If the child will be engaged in outdoor activities, this is issued as a separate insurance service for an additional fee. Help for exacerbation of chronic diseases is limited to 1000 euros. Minus - sunburns are not insured.
- Allianz Global Assistance... The company has a large number of positive reviews. Terrorist attacks, allergies and sunburn are not insured. Inexpensive company, but as the age of the child decreases, the cost of insurance increases. Restriction - you can call a doctor at home no more than 2 times.
Sequence of actions in case of unforeseen circumstances
It is advisable to have a printed insurance policy throughout the trip, read it carefully and study all cases that are included in the list of life and health insurance. In case of emergency, you need to call the numbers indicated in the document, indicate the phone number for communication, the policy number where you are and describe the situation in more detail.
Confirmation will come from the company and assistance will be provided with the help of local doctors. Often even in Russian. If there is no time to wait, then you can pay for the services of the medical staff or rescuers and receive compensation upon arrival, here we advise you to take the maximum number of documents from the hospital that may be useful for payments. We make copies or photographs.
How much does insurance cost in Turkey?
The final price of the trip is calculated individually, taking into account the risks and duration of the trip. The cost of medical insurance in Turkey also depends on the age of the traveler, the number of people. The average cost is 70 - 140 rubles per day per person. The minimum coverage for such insurance is $ 40,000.
- In our case, the cost of a week's rest for two from ERV cost 1983 rubles:
What kind of insurance is suitable for a visa?
When applying for a visa, you must take out travel insurance to travel to Turkey. The type of insurance will directly depend on the purpose of the trip and the length of stay in the country. It is profitable to take out annual insurance Ergo, Allianz or Alpha insurance... The cost is about 6,700 rubles.
Agree that this is a little bit considering that it covers dentistry, unlimited doctor visits, and more. When purchasing this program on the Sravni.ru website, you can find out prices from different insurers.
- This is what the policy from Ergo looks like:
