Przed wyjazdem na zagraniczne wakacje warto się ubezpieczyć. W razie nieszczęścia ułatwi to nam na miejscu miękkie lądowanie.
W Unii, mamy oczywiście prawo do bezpłatnego korzystania z pomocy lekarskiej na podstawie Europejskiej Karty Zdrowia, ale nie przeceniajmy jej znaczenia.
Załatwienie jej w Narodowym Funduszu Zdrowia jest uciążliwe, a i tak za większość usług medycznych za granicą będziemy musieli słono zapłacić (o mitrędze i nerwach nie wspominając).
Jeśli wyjeżdżamy z biurem podróży, jesteśmy obowiązkowo ubezpieczeni od kosztów leczenia. W każdym przypadku należy sprawdzić, jaka jest u danego touroperatora wysokość polisy.
Gdy jesteś sam sobie żeglarzem
Jeśli wyjazd organizujemy na własną rękę, nie warto oszczędzać na kwocie polisy ubezpieczeniowej od kosztów leczenia. Wprawdzie najczęściej wracamy cali i zdrowi zza granicy, ale licho nie śpi... i szczęście nie zawsze musi nam dopisywać.
W towarzystwach ubezpieczeniowych koszty polisy liczy się według kursu euro. Przy jej podpisywaniu bierze się pod uwagę kurs waluty, wiek i liczbę dni, na jaką będzie opiewać (im dłuższy pobyt, tym stawka nieco maleje).
Minimalna kwota ubezpieczenia np. w Warcie wynosi 10 tys. euro na kraje europejskie i 15 tys. w krajach poza Starym Kontynentem.
Górna granica najczęściej również jest określona - to 100 tys. euro. U
bezpieczyciele zgodnie twierdzą, że przy wyjeździe do krajów europejskich ubezpieczenie się na kwotę 20-25 tys. euro sprawi, że nawet 10-dniowy pobyt w szpitalu nas nie zrujnuje. Poza Europą zaś powinno ono wynosić co najmniej 30 tys. dol.
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