Frequently Asked Questions

• Sickness or accident abroad.
• Trip cancelation.
• Loss of baggage or documents.
• Personal injury and damage to property of third parties.
• Travel by car.
• Extreme sports.
• Travel in Russia.
• Schengen visa insurance.

The minimum health insurance package for tourists traveling abroad includes emergency services:

• transportation to the clinic;
• outpatient and inpatient treatment in case of threat to life and health;
• emergency dentistry;
• evacuation of an injured tourist to his home country;
• in tragic circumstances — repatriation of the body.

It is initially assumed that the minimum insurance is in the interests of people who are on a business trip or a quiet holiday. If a person is engaged in extreme sports (surfing, diving, alpine skiing, etc.), the appropriate options must be added to the certificate of insurance issued by the insurance company. In addition, insurance for those traveling abroad may include protection against loss of real estate and baggage, as well as coverage of travel cancelation risks.

The cost depends on many factors. These include the country of entry, the insured amount, the insurance risks covered by the certificate of insurance, its life, the type of holiday you intend to take, etc. To find out the insurance cost, you can use an online calculator. Enter the entry and departure days, country and other data. If you intend to have an active holiday, you should indicate this. Click «Calculate cost». This will return the real cost of the certificate.

AlfaStrakhovanie PLC offers international travel insurance with a minimum cover of €30,000 and a maximum cover of €100,000.

To take out insurance, you must have a civil passport (for traveling within Russia) or a foreign passport (for traveling abroad).

The insurance period of a certificate of insurance for a single trip must be at least 3 and not more than 365 days. Buying a MULTI insurance enables you to choose any number of insured days within the required insurance period. The online insurance service of AlfaStrakhovanie PLC will help you to make sure that the price of this option is a good value.

You can specify 5 insured persons in one certificate of insurance at a time. Please note: The Insured is not an Insured Person initially, he must also be entered in the list of Insured Persons.

When an insured event occurs, the following information must be submitted to the service center through any available means:

• personal data,
• location of the insured person,
• number and validity period of the insurance,
• essence of the problem.

Further actions should be taken in accordance with the recommendations of the operator of the service center.

There are the following restrictions when buying a certificate of insurance:

• the insured person is older than 79 years old;
• buying the certificate of insurance on the day of departure abroad (the period of insurance validity begins on the day following the day of insurance issuance);
• buying the certificate of insurance for use in a foreign country, whose citizens are the insured persons.

Of course, you should make sure you get your insurance in advance. However, situations can be different. If you discover that you forgot to take out insurance in a hurry — not to worry! You can buy a one-way travel certificate of insurance even if you are on a trip. Getting it online is particularly convenient. However, the insurer will not recognize as an insured event those events that occurred before the certificate of insurance took effect.

The insurance company assumes the obligation to make payment upon occurrence of insured events listed in the insurance contract. It also lists exceptions for when the insurer denies payout:

• if the injury was caused be a state of alcoholic or drug intoxication;
• the insurer has not received the insurance payment;
• an injury or any damage has been intentionally caused by the insured;
• when submitting documents to the Consulate, not all requirements were met or the deadlines for submitting documents were violated, etc.

While abroad, it is not always convenient to carry around a completed policy of a tourist traveling abroad. Therefore, it is quite possible that upon occurrence of an insured event you will not have it on you. It is not a problem if you write down in advance, take a photo, keep the policy number in your mobile device with contacts of the service center, because the phone is always at hand.

According to Federal Law No. 152 «On Personal Data», we must obtain your consent to the processing of personal information that you will enter further to issue the certificate of insurance. Therefore, without your consent, we will not be able to issue a policy for you. AlfaStrakhovanie complies with the requirements of this law and ensures the confidentiality of entered data, takes all necessary measures to ensure the security of personal data during their processing.

All of these exceptions have been taken into account in the work of AlfaStrakhovanie’s insurance calculator for persons traveling abroad.