Health insurance: the difference between private and free health insurance in Europe
Ukrainians are not used to using insurance to maximize the safety of their travels. Currently, most countries offer free insurance. However, it has significant drawbacks. Learn more about the features of free health insurance in Europe and what are the advantages of insurance from Ukrainian agents
Insurance medicine is still not commonplace for Ukrainians, although it has long been familiar to residents of Europe, America, and Asia.
Having health insurance is mandatory for Ukrainians abroad, as it guarantees medical care in an emergency.
Many of our fellow citizens currently live in the EU on the basis of temporary protection status, which provides for free health insurance. However, Ukrainian insurance agents offer to purchase health insurance policies. We decided to find out what the advantages of private insurance are.
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Features of free health insurance in Europe
The system of free healthcare in Europe differs from the Ukrainian one and has a certain list of features:
• Queues. A patient who plans to visit a medical institution on the basis of free insurance should be prepared for long queues. Usually, you have to wait from several weeks to months for a doctor's appointment. In case of an acute illness and for most Ukrainians abroad - mothers with children - it is simply impossible to wait for their turn in a public hospital.
• Language barrier. If a Ukrainian does not speak the language of the country of residence, it can be difficult to get a consultation from a foreign doctor.
• Remote consultations. In Europe, as well as in Ukraine, public healthcare involves face-to-face consultations. If you need an emergency or a small consultation, and you don't have time to wait in lines, you will have to pay for a remote doctor's appointment.
• A limited list of diseases and treatments. In some countries, free treatment is available for a limited list of diseases. Sometimes you also have to pay extra for a long hospital stay or in other special cases.
• Policy coverage area. In addition to living in one of the EU countries, Ukrainians travel to other countries or come to Ukraine temporarily, so it is important that the insurance policy is able to protect your health in any country.
What are the benefits of insurance from Ukrainian agents?
Holders of a health insurance policy have the right to visit a doctor in any medical institution in the host country, thereby reducing the waiting time for an appointment.
The ability to get a remote consultation from a Ukrainian doctor will help avoid queues and language barriers. Convenience of communication in the native language and recognized qualifications of our doctors are the undeniable advantages of policies from Ukrainian insurers.
Also, the insurance coverage includes round-the-clock online support, which will greatly simplify your stay abroad in case of illness or injury - Ukrainian-speaking consultants will be in touch with you.
When you take out a policy, in addition to the basic list of services - assistance in emergency situations, transportation to a medical facility, outpatient and inpatient care, you can add certain chronic diseases or expand it with additional options that will make your policy a truly useful document: emergency dentistry, injuries during sports and outdoor activities, coverage for the purchase of medicines, etc.
Medical insurance from Visit Ukraine covers insured events on the territory of any country in the world (except for the aggressor country), as well as in Ukraine itself.
It takes 3 minutes to apply for an insurance policy and guarantees medical services that we are used to receiving at home. To protect yourself from troubles abroad and save money on treatment, we advise you to purchase health insurance in advance.
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The simultaneous stay of visitors in the hotel lobby not more than one person per 10 square meters of serviceable area is allowed.
Persons can visit hotels and stay there (outside hotel room) only if they wear respirator or face mask (including homemade mask), so that the nose and mouth are covered.
Hotel guests are obliged to keep the 1.5 meters distance.
Online check-in making in advance is recommended to avoid queues at check-in to hotel.
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Self-serve is not allowed.