Visit Ukraine - Health insurance for pensioners and the elderly when traveling abroad

Q: What is the cost of health insurance for traveling abroad?

A standard medical policy with a coverage of 30,000 euros will cost about 2.5 euros per day to visit European countries. Or from 10 euros per day when visiting other countries of the world. With coverage of 50,000 euros - from 3.5 euros per day or 15 euros per day, respectively.

Q: Is it safe to take out electronic insurance?

According to Ukrainian law, an electronic document executed online is legally equivalent to its paper counterpart. Therefore, it is safe to execute electronic insurance policy agreements online. By applying for an insurance policy on Visit Ukraine, you will receive a ready-made contract quickly and in a convenient format.

Q: Can I insure several people under one contract?

It is allowed to insure several persons under one contract. In this case, the policy maker and payer, who acts as the insured, can add other persons to the contract whom they want to insure. In this case, the policyholder can also act as an insured person.

Q: What is an insurance deductible?

An insurance deductible is a portion of the insured loss that will not be paid by the insurance company in the event of an insured event. For example, if the deductible in the contract is 0, the insurer pays the insured the full cost of medical services specified within the sum insured. If the insurance deductible is 50 €, the insured will pay this amount out of pocket in the event of an insured event. That's why insurance without a deductible is more profitable, but more expensive.

Q: What is an Assistance Company?

Assistance companies (assistants) are partners of insurance companies that work around the world and help organize medical care for insurers' clients in the shortest possible time, in the most convenient way.

Q: What should you do to get your insurance money?

1) Seek help from a medical institution to record the occurrence of an insured event in accordance with the applicable rules and regulations of a particular country. 2) Report the insured event in a chat or by phone directly to the insurer, or to the company's assistant if you are abroad. A call center representative will contact you and help you collect all the necessary documents. 4) Expect compensation within the terms specified in the contract.

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2 min

06 Nov. 2024

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Health insurance for pensioners and the elderly when traveling abroad - features and limitations

Insurance

Travel

Health

Why is health insurance especially important for the elderly?
Important restrictions when insuring the elderly
What does the health insurance policy cover?
Why is it worth buying health insurance for traveling abroad on Visit Ukraine?

Health insurance for the elderly when traveling abroad has its own peculiarities and requires a careful approach to choosing a policy. Learn about the main aspects of insurance, age restrictions and where to buy insurance

An insurance policy is a guarantee of your safety and peaceful stay outside Ukraine

BUY

Planning a trip abroad requires careful preparation, especially when it comes to the elderly. One of the most important aspects of such preparation is to take out health insurance, which will provide the necessary protection during your stay outside of Ukraine.

Why is health insurance especially important for the elderly?

1. Increased health risks:

● Higher likelihood of chronic diseases exacerbation

● Slower adaptation to climate change and time zones

● Higher sensitivity to stressful situations

2. High cost of medical services abroad:

● A doctor's consultation can cost from 50 to 200 euros

● One day of hospital stay - from 300 euros

● Urgent medical care - from 500 euros

3. Need for specialized care:

● Possible need for regular health monitoring

● Specific medical procedures

● Special requirements for transportation, if necessary

See how much medical services cost abroad here.

Important restrictions when insuring the elderly

When planning a trip, it is important to take into account certain restrictions that exist in the field of health insurance:

● Age restrictions: Most insurance companies offer health insurance policies for people between the ages of 18 and 65;

● Medical conditions: There are restrictions on coverage of chronic diseases and certain diseases/conditions (congenital diseases, neoplasms, endocrine diseases, diabetes, etc;)

● Provision of medical care: As a rule, insurances do not cover routine visits to the doctor and work only in emergency and urgent cases. In addition, if the trip was made despite medical contraindications, or if the person acted intentionally to cause the insured event, the policy does not cover the cost of treatment.

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What does the health insurance policy cover?

The terms and conditions may vary depending on the package you choose. For example, insurance for traveling to European countries, which is also suitable for people who plan to receive temporary protection, has two packages: Europe Classic (EUR 30,000) and Europe Classic Plus (EUR 50,000) and covers within the limits indicated:

● Emergency outpatient and inpatient care;

● dental care (in case of emergency);

● medical transportation;

● diagnosis and treatment of COVID-19;

● emergency obstetric care (up to the 28th week of pregnancy);

● accidents and repatriation of the body to the place of burial in Ukraine (in case of death due to an accident);

● burial expenses abroad in case of death;

● transportation costs by vehicle to the nearest medical facility (in the Plus package).

Such insurance can be issued for a period of 30 to 90 days. This is a good option for those who plan short trips, relocation or change of country of residence in order to obtain temporary protection.

Instead, worldwide travel health insurance policies have a wider coverage, but are not suitable for those who have temporary protection. For example, All World Silver policies, in addition to standard services, cover:

● costs of emergency medical services in the host country;

● medical services and treatment of acute respiratory infections;

● consultations, diagnostics, treatment and medications prescribed by a doctor.

And Platinum and Gold packages have extended travel coverage, which includes:

● reimbursement of the cost of staying in the high-comfort waiting area in case of flight cancellation or delay for more than 4 hours;

● reimbursement of the cost of lost luggage (if agreed by the carrier);

● reimbursement of expenses for the elimination of sudden technical breakdowns or damage caused by an accident to the car/its parking lot;

● expenses for vaccinations and inoculations;

● legal and translation services to obtain medical services or return to the country of residence, etc.

In addition, these policies have more flexible terms and conditions, in particular, they can be issued for a period of 3 to 180 days (an annual package can be purchased only for 365 days).

Please note! The annual medical package is suitable for work and residence permits and is available to people aged 18 to 60.

Read here how to contact the insurance company and receive compensation in the event of an insured event.

Why is it worth buying health insurance for traveling abroad on Visit Ukraine?

Visit Ukraine offers reliable insurance policies from trusted insurance agents who have many years of experience in the insurance market and provide a 100% guarantee of payments. We offer:

● Fast online policy issuance

● Round-the-clock customer support

● Transparent insurance terms and conditions

● Assistance in choosing the best package

Do not risk your health and finances! Apply for insurance online (insurance Europe / insurance worldwide) or contact the Visit Ukraine hotline to get professional advice on choosing a policy and optimal coverage. Our managers will help you choose the insurance that best suits your needs and travel plans.

You can get a free insurance consultation via WhatsApp or Telegram.

We remind you! Ukrainians can take out health insurance online even when they are abroad. Read how to do it in our previous article.

Photo: beststudio / freepik

Want to know more? Read the latest news and useful materials about Ukraine and the world in the News section.

Our recommendation for a safe and comfortable trip:

Visit Ukraine Insurance - insurance for a safe stay abroad without unnecessary expenses;

Green Card - compulsory car insurance for traveling abroad;

Visit Ukraine Tickets - book tickets for buses, trains, and airplanes to/from Ukraine and between cities around the world;

Private Lawyer service - professional legal support on visa and migration issues;

Visit Ukraine Merch - buy patriotic clothing and accessories with worldwide delivery.

Frequantly

asked questions

What insurance do I need to cross the border?

To enter the EU and/or Schengen countries, it will be sufficient to have health insurance with a minimum indemnity of EUR 30,000 for the entire period of stay. For the USA, Canada, or Australia, it is recommended to take out insurance with a reimbursement amount of at least $50,000.