Insurance for going abroad is a help to a tourist outside our state in case of deterioration of health; provision, first of all, medical and transport services, as well as legal aid, etc.
Article 9 of the Ukrainian Law "On the order of leaving Ukraine and entering Ukraine, Ukrainian citizens" clearly states that health insurance for going abroad is a mandatory document. In addition, nowadays many countries around the world check the availability of travel insurance when entering the country.
Note! Both citizens of Ukraine and foreigners can issue the travel insurance. Insurance for those travelling abroad must be issued before crossing the border. When taking out travel insurance AFTER traveling abroad, a temporary deductible will be established: for multiple trips - 7 days, for one-time trips - 3. There is no temporary deductible when insurance is issued before departure.
Purchase insurance to go abroad for the territory "All World" and get:
• One of 3 programs, for all tastes and needs, at a competitive price.
• Emergency care, ambulatory and/or hospital treatment.
• The organization of transport services abroad.
• Compensation for communication services in case of illness.
• Non-deductible insurance for your reliability and confidence abroad.
• Choosing the required insurance amount from 30 to 75,000 euros.
• Coverage of additional risks: COVID-19 (often mandatory when entering other countries), work, sports, active and extreme rest, early return, loss of documents, legal support, etc.
How to buy insurance abroad online in a correct way?
- 1. Travel territory: choose "Europe" or "All World" in the calculator. You can check which area the country you are traveling to is on this page.
- 2. Number of trips: "One-time" or "Multiple"?
- If you travel abroad for a short period of time with a single entry, choose the "One-time" trip option and specify travel dates. The minimum term of insurance is 1 day. The minimum start date for the contract is tomorrow.
- If the journey is long-term (estimated to /from 1 month), or you plan another trip abroad in a short period of time, we recommend the option "Multiple" trip. In this case, by setting the number of days abroad (from 30 to 365 days) and the expiration date of the contract (90, 180 or 365 days), you will be able to travel several times and stay abroad for a specified number of days during the selected term of the contract.
- 3. Number of tourists and age: at the same time it is possible to insure up to 5 people, ages 0 to 75 years.
- 4. The purpose of the trip: specify the purpose of the trip in the field nearly.
- 5. Insurance amount of coverage of the policy: choose the amount from 30 to 75,000 euros, depending on the state to which you are going. Each country has a mandatory amount of medical expenses, so it is important to choose the right one. The list of insurance amounts can be found on the page of our website "Recommended amounts of insurance coverage for all countries of the world". Also, choose the amount of accident insurance (lethal) you want.
- 6. Add COVID-19 insurance: if you need to insure against coronavirus disease abroad, put a tick near this option. Please note that today a large number of countries in the world require COVID-19 health insurance at the airport for their guests.
- 7. Click on the orange "Count" button.
- 8. The site offers a choice of 3 insurance programs for going abroad. Choose what you need. To help - click on the icons with a question near the options to open a window with an extended description of services abroad.
- 9. Click on the “Buy” button under the necessary insurance program and move on to the process of registration and input.
- 10. At the insurance process enter the data of the contracting person and the persons who need to be insured. Sign the contract via SMS code, which you will receive on a mobile device and click "Draw up an insurance contract".
- 11. Next, the site will automatically transfer to the payment system to pay for insurance with a bank card. After the payment, the electronic insurance contract will immediately go to the specified email and appear in the personal room on the site.
- 12. Save an electronic insurance contract and a public offering on a mobile device. For convenience at the airports, we recommend printing documents in 2 copies.
How to choose the right insurance program and how do they differ from each other?
Insurance program "SILVER":
-
1. Emergency medical care:
- Dispatch of an ambulance team.
- Express diagnosis of the Insured Person's condition.
- Medication within the scope of emergency care.
- 2. Outpatient treatment:
- Laboratory and instrumental investigations necessary for diagnosis.
- Consultations with specialists, services of medical personnel.
- Provision of medicines and expendable medical materials.
- 3. Inpatient treatment: consultations with specialists, diagnostics, treatment, emergency surgery, medication, stay in standard-type wards.
- 4. Emergency dental care:
- Dental examination.
- X-ray examination.
- Extraction or filling of teeth with temporary fillings.
- 5. Transport services:
- Transportation to the nearest medical facility.
- Medical evacuation and repatriation from abroad.
- 6. Telecommunication services: expenses for notifying Assistance about an insurance event within 20 EUR/USD.
Insurance program "GOLD":
- 1. Emergency medical care:
- Dispatch of an ambulance team.
- Express diagnosis of the Insured Person's condition.
- Medication within the scope of emergency care.
- 2. Outpatient treatment:
- Laboratory and instrumental investigations necessary for diagnosis.
- Consultations with specialists, services of medical personnel.
- Provision of medicines and expendable medical materials.
- 3. Inpatient treatment: consultations with specialists, diagnostics, treatment, emergency surgery, medication, stay in standard-type wards.
- 4. Emergency dental care:
- Dental examination.
- X-ray examination.
- Extraction or filling of teeth with temporary fillings.
- 5. Emergency obstetric care (up to 28 weeks of pregnancy)
- up to 5,000 EUR/USD.
- 6. Transport services:
- Transportation to the nearest medical facility.
- Medical evacuation and repatriation from abroad.
- 7. Financial risk insurance:
- Costs for accommodation in a hotel up to 300 EUR/USD.
- Telecommunication services: compensation for the cost of insured person's telephone communication services with Assistance (Insurer) up to 20 EUR/USD.
Insurance program "PLATINUM"
- 1. Emergency medical care:
- Dispatch of an ambulance team.
- Express diagnosis of the Insured Person's condition.
- Medication within the scope of emergency care.
- 2. Outpatient treatment:
- Laboratory and instrumental investigations necessary for diagnosis.
- Consultations with specialists, services of medical personnel.
- Provision of medicines and expendable medical materials.
- 3. Inpatient treatment: consultations with specialists, diagnostics, treatment, emergency surgery, medication, stay in standard-type wards.
- 4. Emergency dental care:
- Dental examination.
- X-ray examination.
- Extraction or filling of teeth with temporary fillings.
- 5. Emergency obstetric care (up to 28 weeks of pregnancy)
- up to 10 000 EUR/USD
- 6. Transport services:
- Transportation to the nearest medical facility.
- Medical evacuation and repatriation from abroad.
- 7. Financial risk insurance:
- Services related to theft or loss of documents.
- Accommodation expenses in a hotel up to 500 EUR/USD.
- Telecommunication services: compensation for the cost of telephone services of the Insured Person with Assistance (Insurer) up to 50 EUR/USD.
For more information on the conditions of insurance to go abroad, see the public offer agreement on our website.
What is the price of insurance to go abroad?
Minimum cost of the insurance program ("SILVER") in the territory of "All World": from 144 UAH for 1 day.
What is the validity of the insurance for going abroad?
The term of the insurance contract is from 1 day or more, depending on the length of the trip. You install it yourself in a calculator on our website.
What is the territory of the insurance contract for travel abroad?
The whole world, except Ukraine and the country of permanent residence of the Insured Person.
How to choose the right vacation goal in the calculator on the site and what risks will be covered, in accordance with the chosen goals?
Before you apply for insurance, you need to determine what the journey will be. If you plan to actively relax, ski, skate, to ride motorcycles, to ride scooters, to ride animals, to dive or snorkel, to participate in sports competitions or just swim in the sea - this must be taken into account when applying for an insurance policy. After all, if you do not pay attention to these subtleties, you can leave the entire family budget in a foreign clinic.
Choose the right vacation goal in your calculator, according to your needs. Then the insurance will really work and will provide protection in case of illness.
What should be the insurance amount in the insurance contract for going abroad?
Depending on the country, the amount of insurance coverage may vary. For example, in the countries of the Former Union Republic CIS countries (Georgia, Moldova, Russia, Armenia, Kazakhstan, Uzbekistan, Belarus), as well as in the countries of mass tourism such as Turkey or Egypt, the statutory amount of insurance coverage is from EUR 15,000. This is due to the relatively low cost of medical care. So choose EUR 30,000 in the calculator.
As for the countries such as the United States, Canada, Australia, Japan, New Zealand, Jamaica, Uruguay, Peru, Mexico, Cuba, the Dominican Republic, Barbados, as well as exotic countries far from Ukraine, the amount of insurance coverage should be from EUR 50,000. Before you sign the contract, check the recommended amounts of insurance coverage on this page of our website "Recommended amounts of insurance coverage for all countries of the world".
What are the advantages of insurance to travel abroad from the IC "Misto"?
- The competitive cost of European-level insurance programs.
- 24-hour electronic contracts online in just 5 minutes.
- Immediate insurance contract signed in accordance with all requirements of Ukrainian law.
- Personal room on the site with access to electronic policies from anywhere in the world 24/7.
Tourist insurance programs in all countries of the world
INSURANCE PROGRAMS |
«SILVER» |
«GOLD» |
«PLATINUM» |
|
Voluntary health insurance |
Limit of liability, % |
|||
Medical services, including: |
||||
|
until |
50% |
70% |
100% |
|
until |
50% |
70% |
100% |
|
until |
50% |
70% |
100% |
|
until |
100 EUR/USD |
150 EUR/USD |
200 EUR/USD |
|
until | 5 000 EUR/USD | 10 000 EUR/USD | |
|
until | 1 000 EUR/USD | 3 000 EUR/USD | 15 000 EUR/USD |
Transportation services, including: |
||||
|
until |
50% |
70% |
100% |
|
until |
50% |
70% |
100% |
|
until |
50% |
70% |
100% |
|
until |
5 000 EUR/USD |
5 000 EUR/USD |
5 000 EUR/USD |
|
until |
1 000 EUR/USD |
1 000 EUR/USD |
1 500 EUR/USD |
Insurance against financial risks, including: |
|
|
|
|
Services related to theft or loss of documents |
until |
|
|
100 EUR/USD |
Evacuation of children under 14 years old |
until |
|
|
10 000 EUR/USD |
Hotel accommodation expenses |
until |
|
300 EUR/USD |
500 EUR/USD |
Telecommunication services: expenses for notifying the Assistance about an insurance event |
until |
20 EUR/USD |
20 EUR/USD |
50 EUR/USD |
To conclude a voluntary insurance contract while traveling abroad necessary the following documents:
- foreign passport of a citizen of Ukraine or a foreigner;
- identification code or ID card.
To receive payment in case of an insured event during your stay in Europe, CIS, Turkey and Egypt, you must follow the next recommendations:
- Contact the Assisting Company "SOS Service Ukraine" on the contacts specified in the insurance contract, TO directly apply for medical care, as "SOS Service Ukraine" promptly organizes the provision of medical care abroad.
- Within 24 hours to notify about the occurrence of the insured event of Misto Insurance Company in all possible ways, in the absence of the possibility to contact the Call-center "SOS Service Ukraine" abroad.
- In case of self-payment for treatment, it is necessary to apply to the Misto Insurance Company with documentary proof of all costs after return for compensation.
Assisting company abroad: | «SOS Service Ukraine» |
Contacts «SOS Service Ukraine» 24/7: |
Tel.:+38 (044) 500 16 91 |
Contacts IC «Misto»: |
Tel.: 0 800 211 118 |
Information when contacting the Call Center: |
In the case of an insured event - BEFORE seeking medical help, or within 24 hours, if there are objective reasons. To receive an insurance payment in case of self-payment for treatment - within 30 days after returning to Ukraine. |
Insurance payments: |
The decision on insurance payment or refusal is made within 15 working days from the date of receipt of all necessary documents. |
IMPORTANTLY: it is necessary to clearly follow the recommendations of doctors and service specialists.
IMPORTANTLY: if you have not applied to the Call-center of Misto Insurance Company, the insurance company has the right to refuse payment.
Types of insurance indemnity in the event of an insured event:
• Service payment - is made directly to the medical institution.
• Compensatory - the client pays for the treatment himself, and the costs are reimbursed by the insurance company after his return to Ukraine, that all supporting documents are provided.