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Prior to the start of the journey, tourists are recommended to study the rules for insuring the risk of medical expenses and select the optimal rate that corresponds to the intended vacation type. Depending on the insurance company or the insurance rate, it may or may not include the coverage of insured events which take place in a state of alcoholic or drug intoxication or in the course of engaging in active sports. Besides, various insurance companies may offer different insurance coverage and different deductible amounts.
The information on the ways of activating the medical insurance is provided to the tourists during the transfer from the airport to the hotel and also at an information meeting with the hotel guide.
Tourists are not recommended to seek medical assistance from doctors who work at hotels or get invited at the hotel’s initiative. All the services offered by such doctors are provided on a paid-for basis only and are not covered by insurance policies. When seeking medical help from doctors in the hotel, tourists shall take into consideration that this is one of the additional services whose provision is of interest for the hotel management and the corresponding contractors. In fact, there have been cases when the hotel management hindered the access of doctors who were invited by the insurance company to the hotel’s premises. Such actions constitute a violation of the tourists’ rights. In such a situation the tourists shall contact the hotel guide to resolve the issue with the involvement of the DMC.
In case of health problems, the tourist shall contact the insurance company via email or by calling the phone number indicated in the insurance policy. If the tourist experiences difficulties with contacting the insurance company, or if the tourist’s state does not allow him or her do so, the tourist may contact the hotel guide who will provide the necessary assistance.
The DMC’s staff assists tourists in contacting the insurance company but assume no responsibility for the completeness and quality of the provided medical services. The tourists’ treatment is performed by a medical institution defined by the insurance company. All further treatment-related communication takes place directly between the tourist and the insurance company.
In case health problems are experienced by tourists who have arrived at the airport and are awaiting the return flight, they shall assess their state and decide whether they will be able to visit the doctor upon arrival in the home country. If urgent medical assistance is needed, tourists can contact the insurance company to receive the treatment and solve the issues related to the provision of accommodation for the period of treatment and the return flight. In case of minor illness which cannot hinder the return flight, tourists can visit the medical office at the airport. Before obtaining medical services at the airport, tourists shall study their price since such amounts are to be paid by tourists themselves and will not be compensated by the insurance company.
