bayonet1974400$ это как раз не дорого, но наверняка там 25 страниц мелким шрифтом впридачу.
Вот что мне ответили в международной компании, которая 1200$ на год
Hi Evgeniia
Thanks for your message and sincere apologies for not getting back to you sooner.
Your country of permanent residence can be defined as the country you would wish to be repatriated to in the event of a medical emergency and where you would receive long term medical care, if required. This should also be the country where you are legally defined as a permanent resident (not temporary).
Please be aware, however, that your policy does not cover expenses incurred within one's country of permanent residence.
If your country of permanent residency is Russia then you are more than welcome to buy a policy to cover your time in Thailand and Sri Lanka. If you live permanently in Thailand or Sri Lanka then the policy will only be able to cover you while you are outside whatever country you choose as your country of permanent residency.
Should you suffer an illness or injury while travelling that requires immediate and necessary medical treatment you can choose any doctor or hospital in the country you are in for any emergency medical treatment you require. Physicians, specialists, dentists, etc. performing the treatment must have authorisation in the country of practice.
If you are receiving treatment for a medical condition as an outpatient eg at a doctors surgery and not at hospital, then you must cover these expenses yourself and then make a claim once all treatment is complete. You do not need to contact the emergency assistance department when receiving out-patient treatment (unless you need advice).
If you are hospitalised, you do not need to pay for the treatment yourself. As soon as the insurer, ihi Bupa, has guaranteed the payment, the hospital bill will be settled directly with ihi Bupa.
You must always notify the insurer, ihi Bupa, immediately in case of hospitalisation, compassionate emergency repatriation, next-of-kin accompaniment, compassionate emergency visit, death and accident. Failure to do so can result in payments not being covered by the insurance as we must authorise these situations.
Contact ihi Bupa Emergency Assistance Team from anywhere in the world (24 hrs, 7 days) immediately if you have a serious accident or illness and you need to go to hospital or extend your stay.Doctors are available 24/7 to consult over the phone.
Call: +45 70 23 24 61 (Not toll free. Call via an operator reverse charge/collect.)
Text your policy number: +45 42 41 30 00 (Text message only. No phone calls.)
Email: emergency@ihi.com
All itemised phone call/text costs are claimable.
A policy can be purchased online for instance cover.
All the best
Kellie
Member Services Team
Ph: +61 2 8263 0400
Level 5, 24 York Street, Sydney, NSW Sydney 2000 Australia
www.WorldNomads.com
