The programs are aimed at comprehensive insurance coverage for citizens outside the country of permanent residence.
Life is unpredictable - accidents, sudden illnesses and other unpredictable events can happen to anyone. A person finds himself in an unpleasant situation when, in addition to losing health, he has additional costs for treatment, the search for qualified specialists and many other negative factors. It is good if there are relatives and friends who will lend a helping hand at any moment, but what if something happened in a foreign country, where there is no one to wait for help ...
Do you want to be protected and confident that someone will help you in difficult times? Insurance Organization «BIMA» offers voluntary insurance programs while traveling abroad.
Travel abroad insurance (TAI) is a type of insurance created for citizens who travel abroad for recreation, sports, study, tourism, etc. At the moment, there are a large number of travel insurance programs on the insurance market, which include a diverse set of risks. LLC «Insurance organization «BIMA» has developed the most optimal and demanded by the tourists the line of insurance programs for those traveling abroad in terms of the ratio of price and range of services provided.
Insurance for those traveling abroad is a voluntary type of insurance, but the purchase of the TAI policy is a prerequisite for obtaining a visa.
Insurance programs offered:
«Medical Expenses» Program. The program provides the tourist with medical assistance abroad, namely, payment for the services of doctors and clinics if the accident occurs (for example, an injury, food poisoning, an accident, a tick bite, a jellyfish burn, etc.) or a sudden acute illness.
The minimum set of risks under the TAI policy includes such risks as:
— Payment of medical expenses;
— Payment for emergency dental care;
— Medical transportation;
— Repatriation in case of death.
«Loss of baggage» Program. Loss of the baggage while traveling brings a lot of trouble to the tourist, therefore, in order not to be left without your belongings or to return compensation for them, it is worth to insure your luggage. Loss of the baggage can happen for various reasons. Things can be lost during the flight at the airport, stolen or destroyed during the accident, fire, flood and other unforeseen situations. This program is especially important for those traveling with multiple connections, as a result of which delay or loss of luggage is likely.
«Trip Cancellation» Program. The insurance program is issued in case the trip does not take place for any reason or the duration of stay abroad is reduced. A tourist will be able to receive an insurance payment if he/she did not go abroad due to various life circumstances that did not depend on him/her. The insurance policy may include, for example, the insured event such as a refusal to travel due to illness or a visa refusal.
«Civil liability» Program. Often many tourists going abroad find themselves in unforeseen situations. For example, trying to impress or just fool around on the ski slope, many vacationers fall, breaking the skis, and sometimes the legs of the passing skiers. To prevent the conflict from escalating into litigation, you need to insure your civil liability in advance. The person who caused the damage is obliged to fully compensate the damage to the victim. With insurance under this Program, this obligation is shifted to IO BIMA, provided that the harm was not caused intentionally, and also not under the influence of alcoholic or drug intoxication.
«Accident» Program. The insurance program provides full compensation for disability resulting from an accident. For minor injuries, an appropriate percentage of compensation is provided, depending on its severity. The tourist receives financial compensation after returning from the trip. This can be very useful during the period of health recovery - after all, it will be necessary to visit the clinic, do the procedures prescribed by the doctor. All material expenses that arise after returning home are covered by accident insurance.
You can get additional information and apply for the Accident Insurance Policy at the office of our company by sending online application or at the offices of our partners.
Our partner for the provision of assistance services throughout the world is «Europ Assistance». The company website: group.europ-assistance.com.