Ski insurance for Russia - where to buy and what options are needed - World Travel is a tourist portal VRATRIPS.COM.

According to many compatriots, one of the advantages of recreation in Sochi before vacation abroad is that there is no need to buy travel medical insurance, because there is a health insurance. But based on the experience of my trips, as well as from the experience of people in Runet, I do Conclusion – additional insurance is very desirable, especially for skiing activities. I’ll tell you why.

The content of the article

1 Basic types of insurance
2 Ski insurance
- 2.1 Sport Option
- 2.2 Option “accident”
- 2.3 Option “civil liability”
3 Hospitals in Sochi
4 Hospitals on the map

Contents

1 Basic types of insurance
2 Ski insurance
3 Hospitals in Sochi
4 Hospitals on the map

Basic types of insurance

Insurance is the OMS, which is available to all citizens of the Russian Federation, and VHI – voluntary medical insurance from the employer or yourself have bought. And finally – insurance offers specifically for travelers with different options.

CHI insurance

With an OMS card in your hands, you can only count on obligatory actions of rescuers who will take you out snowmobile crashes and take you to the station where you’re from under your own power or in the ambulance go to the nearest medical facility. BUT there is a queue waiting for you, the receptionist, and in principle all that is what we are accustomed to the emergency room and clinics in the community. Free medicine – she is.

You get primary care at the place of treatment, and of course necessary for your survival procedures. And do not forget that you are not at home, but a couple of thousand kilometers away. If due illness or injury you have gone tickets – OMS will not cover you. If injuries make you supine, then even the missing tickets turn out to be useless, because the transportation of the bedridden is very expensive pleasure.

LCA insurance

If you are lucky and the holder of the VHI policy, then carefully read the terms of your policy. Does the extension include active sports, and in general – does it work when traveling Russia. It is unlikely that your employer was interested to pay more so that your policy is valid throughout the whole of the Russian Federation, but – suddenly?

Traveler insurance

For snowboarders and skiers, surfers and kiters, cyclists and climbers such insurance is required is required! If you want to provide you with not only the basic help. No one by OMCs will put normal clamps, will not give orthoses / crutches, will not make an MRI and so on. All this will have to buy for their money, and it is worth it.

It is best to buy on Cherehape, they have a cool site and a great technical support.

See prices for insurance →

By the way, do not count on insurance, which is included in the ski pass – it includes only the actions of rescuers to take you down the slope, and first aid.

I always carry insurance with an option for active species. sport And when in the winter I go snowboarding in Krasnaya Polyana, and when in the summer I come to swim in Sochi and talk in the mountains.

Ski insurance for Russia

In my opinion, in general, every vacationer must responsible approach to the case, especially if he is traveling with children. Smashed your foot in the sea, smashed your head on a slippery mole, fell from the swing, you yourself know that children can easily find Adventure. Food poisoning and rotavirus too no one canceled.

Ski insurance

This is not a separate specific insurance, but a tourist insurance for travelers with the option “Sport”. She guarantees referral to a paid / state clinic and payment of all medical services for you. Including those that are not included in OMS. Recently, friends have tightened 1000 rubles for insurance and in the end gave 50 thousand rubles. Saved.

Each insurance depends on the insurance company. your own set of default options, the rest can be added: active sports, accident, luggage insurance, civil a responsibility.

Insurance prices →

The price of insurance depends on the number of options, your age (on old people and children are often more expensive), the number of days, the assistance. Themselves go to the service of insurance podobora and play parameters.

Sport option

The name of the option may be different: Activities, Sports, Extreme Sports, Alpine Skiing and so on. And it is important to clarify on each insurance site, which kinds of sports are included in this option. Or you can use the filter for all insurance, and choose the desired sport (see screenshot).

Many do not know, but often without this option you will not get help. even with entertainment-related injuries such as water rides skiing, motorcycle or snowmobile, horse trekking, diving or fishing on a yacht.

Traveler insurance with ski option

“Accident” option

There is an opinion that this option should be done if there is chance of injury. Allegedly you do not have to pay extra for imported pieces of iron for splicing bones after the most unfortunate case. But it is not.

The fact is that insuring against an accident, for example, at 10 000 dollars, you get only a portion of this amount. There are even special tables in which injuries and their assessment are painted, with given the severity. Moreover, this money you will see only returning home, that is, this option on vacation does not help you no way. And all the $ 10,000 insurance company will pay only in the case of your death, and no longer you.

I do not discourage doing this option, but think how much she you need, given that it increases the cost of the policy. It is better take the traveler insurance itself more expensive because it is She is the guarantor of the payment of the treatment of your injury on vacation.

Option “civil liability”

For owners of juvenile destroyers, as well as for beginners skiing it makes sense to pay a small amount for liability insurance. In my opinion, it is much more profitable than paying for furniture or expensive equipment in case of breakage or loss. Falls and collisions on the track no one did not cancel, well, oddly enough – boards, helmets and skis, often just steal if you left them unattended.

Hospitals in Sochi

Remember, before visiting the clinic (unless the situation is critical) you need to make a phone call in the policy and ask where specifically go. They should direct you to a specific a place.

I have a separate post with a detailed list of major public and some private clinics in Sochi, Adler and Rosa Khutor, so I will not duplicate the information here.

Additionally, I just want to add that I looked at the offers. all insurance companies that are willing to insure you in Sochi in as a traveler. According to my observations, SC work with seven Assistants:

Allianz Partners
Savitar Group
AP Companies
Balt Assistance Ltd
CLASS Assist
Global Voyager Assistance
MedAssist International

Assistance is an intermediary between insurance and hospital, service a company that will organize on-site assistance. Exactly The Assistance phone is listed on the insurance policy and it is with him. will communicate.

Ranked Assistants on the list in order of their quality work. In my opinion, it is better to take policies only with the first 4, and the rest should be avoided so that there are fewer problems and they do not drag out with the answers.

Here you can see asstans

All assignments cooperate, as with public hospitals in Sochi, and with private clinics.

Consider the example of Assistance Savitar Group. This will be enough to understand the reach of the clinics and the delivery system itself medical services. For consultations and more or less easy cases private clinics are involved, but you are referred for hospitalization. to the state hospital.

Insurance prices →