Divers and skiers do not need to save on an insurance policy
Medical insurance at departure abroad is obligatory thing; without it is impossible to not receive entry visa in the countries of the Schengen agreement. However, not all tourists closely study terms of insurance and, signing the document, do not know, what exactly enters into the insurance policy. Meanwhile, typical medical insurance includes a minimum of services. For example, the emergency stomatologic help, as a rule, is not included.
Many tourists learn about insidiousness of item “franchise”, when nothing can already be corrected. Insurances with the franchise are usually bought for mass directions tour operators for reduction in price of cost of permits. Meanwhile, under such insurance the tourist should pay a part of even the included into insurance policy medical services.
Travelers’ base medical insurance, which is offered to tour operators, does not include risks, connected with employment by productive leisure and extreme kinds of sports: diving, rafting, mountain skiing. So, the policy of the diver for a week trip to Egypt will manage approximately in $30 at the insurance sum in $30 000. It is recommended to buy it, even if the tourist is going to dive only once.
The specialized insurance is necessary for mountain skiers. The tendency of last years in the Europe shows that more and more wide application of helicopters for evacuation of victims from mountain. It is extremely expensive operation.