Another review of the work of Liberty Insurance and Class-Assistance. The scene is Warsaw, Poland. The situation is this: the temperature is Egor, snot, cough and suspected otitis. This time we became smarter and bought the otoscope, so we can, as far as allows skill, monitor the condition of the ears. Useful thing for the deaf children prone to otitis. But nevertheless, the doctor must necessarily contact, all the more in vain that they bought insurance. Previous once turned in Thailand on Samui and also Liberty was, then everything It went well and otitis was exactly the same.
The content of the article
- 1 First insurance claim
- 1.1 What to do first
- 1.2 Inspection at home
- 1.3 Medicines
- 2 Another insurance case
Contents
The first insurance case
Unfortunately, since 2016, Liberty has deteriorated badly. Sure to look at my main post on insurance, compiled after analysis of the huge amount of feedback and personal experience (plus a little bit of insiders). I try to update promptly to always it was possible to choose workers insurance.
My insurance rating →
I remind you that insurance is very convenient to compare and choose through the service Cherehapa, because there you can immediately compare 16 insurance, both in price and conditions. In addition, they have support, both before the purchase of the policy, and in case of insurance claims. Well versed in all the subtleties, you can set in the online chat any questions.
But of course you can buy the same Liberty and directly to The official website, as they say, is your choice.
What to do first
I called in the Class-Assistance in the morning, they asked me all the data policy, and said within an hour call, will say where to go. It is a bit strange that several times we clarified whether we had addressed where, and did they apply to this policy before, as if they had This is not in the database. After 20 minutes, they called back and said that the doctor come home, no need to go anywhere. Be sure to read my mega useful post about asistensy and other nuances of the choice of insurance.
Generally surprising, the first time I ran into insurance doctor came to the house. No, I heard, of course, that sometimes it happens, but people directly ask themselves to come to their house (when, for example, very serious condition), and they themselves offered us. I don’t know if it’s always in Warsaw or not, maybe it’s here accepted, but convenient, especially with the child.
Home inspection
Somewhere in an hour they called back from Poland (apparently from the local clinics), clarified the address. Conveniently, they spoke English, I imagine immediately introduced how many in the registries in Moscow are speaking English, and what would be interesting to do a foreigner in Russia, if will apply for insurance. Half an hour later the doctor came. Thats There is a total waiting time of about 2-3 hours, normally in principle.
The doctor conducted a fairly routine examination, confirmed our concerns, regarding otitis, wrote a list of medications and a prescription for an antibiotic. AT Poland without a prescription antibiotics are not sold. We spoke on the mix Polish and Russian, in principle, everything was more or less clear. Doctor left his phone and said to call, if something is not clear. Not paid nothing, reception was covered by insurance.
It is interesting, of course, that there are prices for doctors’ visits in Warsaw. I only know that a familiar mom has a child about the same time and they went to the clinic for insurance. Have them there was another insurance, so they were not offered to come home. So Here, she said that the price for an appointment with a pediatrician was about 120 zlotys, that is, somewhere around $ 32. Thus, the policy of Egor for this the trip is already out.
Prescription and Drug List
Medicines
We bought medicines at our own expense in a pharmacy. In theory, we should they were compensated for their cost upon arrival in Russia. I asked to Liberty support, they replied that if there are checks, but medicines are written on a letterhead with a stamp or signature, then compensate. And you must apply within 30 days after return. Our form is not exactly a form and the seal is not exactly a seal, and I gave the prescription at the pharmacy, but in this case Liberty promised refund It would be necessary to check, but the amount is quite small, so fool with sending a registered letter with checks, application form and copies of documents, I did not want.
And in Thailand in this regard it was very comfortable from the hospital you leave already with a bag of medicines, you don’t need to run to the pharmacy, and that’s all included in the cost of inspection and insurance covered. With another hand, there doctors do not come home or come, but in sooo rare cases.
Two checks for 85 PLN, did not compensate
Another insurance case
Update the post. A month later, had to turn again, because Egor got sick again. This time the doctor came in an hour because asked quickly, very sick because. So the doctor was another young guy equipped with one (box with tools, form), fluent in English. Similarly, inspection, and medication list with a prescription.
Based on the second case, I can conclude that quickly everything happens. Still, two times already figure though some kind of I hope that this will be the case with Liberty and Class-Assistant.
P.S. Of course, I understand that the insurance company should be checked on more serious cases, but you know, this is not very I want it, so I wrote in the recall what I’ve really encountered, personal experience. Something serious will not wish anyone.
Life hacking 1 – how to buy a good insurance
Choosing insurance is now unrealistically difficult, therefore, to help everyone travelers, I make a rating. To do this, constantly monitor forums, I study insurance contracts and use insurance by myself.
Insurance Rating
Life hacking 2 – how to find a hotel 20% cheaper
First, choose a hotel on Booking. They have a good base offers, but the prices are NOT the best! The same hotel is often possible find 20% cheaper in other systems through the RoomGuru service.
Discount hotels
