How to choose an insurance company for a trip to a ski resort in Georgia, what is an assistance

1. Types of insurance at ski resorts in Georgia
2. What to include in health insurance
3. Signs of unscrupulous insurance companies

What is the difference between an insurance company and an assistance

Foreign citizens are not serviced by representatives of insurance companies that the traveler has a contract with, but by assistants of the country where the traveler is staying. That is, you can choose an insurance company right away, or you can choose assistance and then find out which insurers work with him in your country.

What is important to understand when choosing the right one:

• the ability to communicate in a language that you can understand;
• Positive feedback on the work of the representative in the selected country;
• availability of a free direct assistance phone number.

After choosing a representative, proceed to choosing an insurer in your country according to the following criteria:

• works with the selected assistance company;
• availability of reviews;
• favorable insurance terms;
• the office is not on another continent - the availability of communication with insurers;
• the ability to adjust the contract - do not order insurance on the Internet, there is no this function.

Contract terms and conditions for health insurance at sports resorts in Georgia

Ski resorts are considered a high-risk area, so often in standard contracts prescribe a clause about the liability of the tourist in certain sports. Always clarify this point and add clauses, including the liability of the insurer specifically for winter sports.

It can be done at extra charge, and in a typical contract this clause will look something like this: "extreme sports are never considered insured events, unless such a risk is paid for additionally.

Be sure to check the list of sports for skiing, snowboarding, sledding, or the one you plan to do. And put in a clause stating that the insurers transport the injured person from the scene of the accident. In a typical contract, transportation is from the nearest road.

Important elements of a life and health insurance document:

• The amount of insurance must cover the amount of the most expensive treatment, including transportation;
• availability of a third-party indemnity clause;
• no imposed service in the form of accident insurance with a minimum % of payments.

Remember that insurance companies do not care about your health, but about the benefits for themselves. Health insurance for travelers is not a priority product for them.

How to choose a good insurance company

In most cases, when discussing insurance clauses, it is possible to understand whether a representative will qualitatively fulfill the terms of the contract or not.

Signs of unscrupulous insurers include:

• the agent's ignorance of the possibility of obtaining health insurance for travel to ski resorts in Georgia;
• the contract does not specify a particular sport, but makes do with generalized wording;
• the English version of the contract uses generalized forms);
• Absence of assistant phone numbers in the country where the tourist is going;
• imposing additional services (for example, insurance against accidents);
• Absence of a particular sport to be insured in the insurance company's lists.

We recommend that you obtain confirmation from your insurer immediately after leaving the country. This will save time and eliminate the need to receive such a notification when an insured event occurs.

In case of any disagreements or refusal of the insurance company to pay, demand an official answer, and not be satisfied with telephone conversations. Don't be afraid to demand immediate action from insurers.

The Madloba Directory wishes you a great trip to Georgia and no accidents while skiing at the country's ski resorts. Share your impressions of the trip in the comments. Tell us, what companies you used when arranging medical insurance.

Read more useful information about life and recreation in Georgia at madloba. There are interesting reviews and fascinating articles to help you plan the perfect vacation.