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Risks for coronavirus began to include in travel insurance

On August 1, Russia opened international flights with Turkey, Great Britain and Tanzania.

The Association of Tour Operators of the Russian Federation (ATOR) draws attention to the fact that the host party does not bear financial responsibility in the event that a tourist contracted a coronavirus and when he was sent to quarantine.

In ATOR talk about the independent need to purchase extended insurance policies.

Many companies include COVID-19 risk coverage in standard travel packages. Extended insurance will allow Russians to minimize the risks of additional costs in case of illness and forced placement in an observatory. Turkey. Tanzania. Britain They do not accept compensation for expenses.

Maya Lomidze, Head of ATOR: We would certainly recommend extended insurance to everyone. Not all insurance companies have a package offering coverage in case of coronavirus.

The press service of the All-Russian Union of Insurers: “Coronavirus” risks for travelers traveling abroad can be covered by standard insurance for travelers, and the inclusion of additional services when applying for a policy in most cases is not required.

Insurance for traveling abroad covers any costs of treatment within the insurance amount.

In some companies, the risks of coronavirus have been added to the usual offers for traveling abroad, but sometimes travelers will have to buy additional services. For example, reimbursement of the costs of staying in the observatory is not included in the package.
Russian companies have introduced special “coronavirus” programs that involve cash payments to the insured or his family in case of illness or death. The peak of demand occurred in the spring and early summer of 2020, now interest in them has decreased amid information about a decrease in the number of sick Russians.

Currently, tourists planning to travel, find out whether the chosen program will cover the risks from the coronavirus.

The costs associated with COVID-19 can cover the usual travel insurance that existed before, but the conditions need to be studied on a case-by-case basis.

Medical lawyer Alexei Goryainov: Programs are different, it may turn out that COVID-19 was included in the list of exceptions, and the insurance payment will be denied. It is worth making sure that insurance works for acute respiratory viral infections and pneumonia.

Time in the observatory is not a treatment and may not be associated with the disease, but it is impossible to say that the costs do not apply to insured events (unless this is specified in the contract). It is not clear who will pay for the stay - the observators are organized by the state.

If a person paid for the time in it or for a part of the services provided, then much will depend on the terms of the contract, but “in general, you can argue.”

Director of the Center for Medical Insurance Law Yulia Stibikina believes that people who soon decide to go abroad should be ready to spend money on an additional package or bear in mind additional financial risks.

A comparison of the conditions of different insurance companies shows that COVID-19 offers are more expensive than the usual package.

For example, when calculating the cost of a policy per person traveling to Turkey for a week, the difference will be from 100 to 500-700 rubles. with the insurance amount of $ 40 thousand.

Source: iz

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