Insurance

It is often required to have a good health insurance and to have a good treatment at a Russian hospital. But, fortunately, Great Britain has a nice healthcare agreement with Russia.

If you are travelling in Russia you have to hold medical or travel insurance. When you arrived in Russia please find the local emergency number and address of the hospital around you.

There is a state who pays for health insurance of Russian citizens. If you have a job at a Russian company then your health insurance will be free, so that you can use it in any polyclinic or hospital. For students in Russia there is a free healthcare from your university.

You can also use the other alternative for good treatment like private clinics. The state health insurance doesn’t cover them and they will make you to pay a lot of money for your treatment like in Europe or in the United States.

You may easily find that insurance plan that cover your treatment in Private clinic in Russia. Of course, it is a difficult task to find an appropriate medical insurance if you want to travel to Russia but we will try to help you with that. We can provide you with 4 insurance polices to fit your individual requirement.

Number one insurance is Allianz Care – International Expat Health Insurance.

There are over 88 million expats in the world who join Allianz Care with their health. They have their flexible plan with the level and type of cover. The next advantages of this insurance are the following:

• comprehensive and customisable coverage;
• family and maternity cover, alongside preventative medicine and wellness options;
• 24/7multilingual helpline for an emergency and policy questions;
• online and phone consultations with medical specialists in any corner of this world;
• growing network of over 1.9 million quality medical providers, settling medical bills directly with the provider for most in-patient treatments;
• fully completed medical claims processed within 48 hours
• expat Assistance: confidential and professional support to address a wide range of life challenges.

Their easy-to-use website and mobile app provide a number of services including:  find the nearest hospital or specialist, check your policy information and online claims management.

Their Care International health insurance is designed for people who spend long periods overseas. It works much like health insurance at home: you’re not just covered for emergency treatment, but also for your diagnosis and post-treatment care. Their plans also include treatment for covid-19, subject to terms & conditions. If you are working, travelling or living abroad for less than a year, they also have a short-term cover option for you.

The expatriate health insurance cover includes the following steps:

• doctor visits;

• hospitalization;

• vaccinations;

• surgeries;
• diagnostic tests;
• prescription drugs;
• cancer treatment;
• option to add a repatriation plan.

You have access to range of services gathered in one convenient hub to help protect you and your family from preventable health risks. They have services such as Telehealth, Expat assitance programme, Wysa mind coaching app, Fitness coaching App, Nutrition Hub, Travel Security and more.

Care International Health Insurance Plans at a Glance:

Their international health insurance plans offer comprehensive benefits for expat professionals, and optional extras to help you tailor your cover according to your needs.

Step 1:

Choose your Core plan and pick a deductible.
Step 2:

Add any of the optional plans.

Step 3:

Choose your area of cover: Worldwide, Worldwide excluding USA or Africa only.

Their first care plan offers:

• Plan Limit: £1,575,000/€1,851,850/US$2,500,000/CHF2,407,400;
• semi-private room;
• diagnostic tests;
• oncology;
• rehabilitation treatment £1,660/€2,000 /US$2,700/CHF2,600;
• emergency out-patient treatment £208/€250/US$ 338/CHF325.

Their second Care Plus plan offers:

• Plan Limit: £2,460,000/€2,963,000/US$4,000,000/CHF3,852,000;
• private room;
• diagnostic tests;
• oncology;
• rehabilitation treatment £2,075/€2,500/US$3,375/CHF3,250;
• emergency out-patient treatment £625/€750/US$1,015/CHF975;
• emergency out-patient dental treatment £246/€296/US$400/CHF385;
• maternity plan option available.

Their third Care Pro plan offers:

• Plan Limit: £3,100,000/€3,703,705/US$5,000,000/CHF4,814,815
• private room
• diagnostic tests
• oncology
• rehabilitation treatment £3,670/€4,420/US$5,970/CHF5,750
• emergency out-patient treatment £625/€750/US$1,015/CHF975
• emergency out-patient dental treatment £625/€750/US$1,015/CHF975
• maternity plan option available.

Choose from the following:

• Out-patient plan

Elevate your healthcare experience with their out-patient plan, offering day-to-day medical cover such as GP visits, diagnostic tests, vaccinations, regular health checks and more;

• Repatriation plan

If the treatment you need is not available locally, they’ll repatriate you to your home country, so you can receive treatment close to family and friends.

• Dental plan

Protect your oral health and your wallet  with their reliable dental insurance plan, offering cover to dental treatments, surgeries, orthodontics and more.

• Maternity plan

Embrace the journey of motherhood with their trusted maternity plan, offering coverage and support.

What are the payment options for International health insurance plans?

Choose a health insurance payment plan that works for you. Pay premiums annually, half-yearly, quarterly or monthly by direct debit or credit card. You can also pay by cheque or bank transfer, but monthly payments won’t be available if you choose one these payment methods.

Payments are subject to the following administration surcharges: 0% for annual payment, 3% for half-yearly payments, 4% for quarterly payments and 5% for monthly payments.

Does Internatinal Health Insurance cover pre-existing conditions?

Coverage for pre-existing medical conditions (including pre-existing chronic conditions) depends on the medical underwriting terms you accepted.

For policies which were fully medically underwritten, pre-existing conditions are generally covered unless they say otherwise in your policy documents.

For policies with moratorium, pre-existing conditions are only eligible for coverage once you’ve completed a continuous 24-month period after your start date and have not had symptoms, needed or received treatment, medication, a special diet or advice, or had any other indications of the condition during that time.

What is the contract length for International health insurance plans? What is the cancellation policy?

Most of their health insurance contracts are for one year – but they have a short-term plan to suit members who need international health insurance for less than a year.

For all products, there is a 30 day cooling off period from the start date. After this, the policy may not be cancelled until renewal, regardless of whether a monthly or annual payment frequency is chosen. For more information please contact their dedicated sales team on +353 1 514 8480.

Number two insurance is Safety Wing – International Expat Health Insurance.

If you need to have a comparison between the insurances then try another one insurance called SafetyWing. Here we are going to review this insurance in detail namely discuss their policy to help you understand if it is the good travel insurance for you or not.

Also we are going to create a small guide to give you more information about SafetyWing, how it works, who it is for, and so much more.

In the end of this review it will be well-known insurance for you.

What Is SafetyWing?

SafetyWing is a travel insurance company that offers a good coverage for expats.

This insurance offers two main products:

• nomad Insurance: insurance for the traveller, as the name suggests;
• remote Health: global health insurance covers your employees and contractors in the world.

Now they have some good products like Remote Doctor and Remote Retirement, so we’ll keep an eye on them for you.

How Does SafetyWing Work?

First of all, you should choose a product that you really need.

If you decided which product you need it will be really easy for you to sign up and get started.

For instance, having nomad insurance you have to create a new account and give your personal information.

Afterwards, you should set up an automatic monthly payment before your travelling to Russia.

After this all, you can have a rest and be sured if there is a case of an emergency then SafetyWing will take care of you. So, this guide will be interesting to you if you read accurately what Nomad Insurance is.

Nomad Insurance Plan

With the Nomad Insurance plan, you’ll get medical and travel insurance. It means that the costs for this tariff are equal to 42 US dollars for 4 weeks.

Medical Insurance

If you are in an accident or get illness outside your home country you need to cover yourself and get medical assistance.

• max Limit: $250,000 ($100,000 for 65 years and above);
• deductible: $250;
• hospital: Room and nursing services;

• intensive care: Up to the overall maximum limit;
• ambulance: Usual, reasonable, and customary charges when covered illness or injury results in hospitalization;
• urgent charges: $50 co-payment, not subject to the deductible;
• physical therapy and chiropractic care: Up to $50 per day. Must be ordered in advance by a physician;
• emergency dental: Up to $1,000. Not subject to the deductible;
• all Other Eligible Medical Expenses: Up to the overall maximum limit;
• notable exclusions: High-risk sports activity, pre-existing disease or injury, cancer treatment.

To know more about your insurance, you can read more on SafetyWing website.

Travel Insurance

If there is something happen like travel delay, lost luggage, emergency response, natural disaster or personal liability then this insurance will cover you all this stuff.

• trip interruption: Up to $5,000. No deductible;
• travel delay: Up to $100 a day after a 12-hour delay period requiring an unplanned overnight stay. Subject to a maximum of 2 days. No deductible;
• lost checked luggage: Up to $3,000 per certificate period; $500 per item. Up to $6,000-lifetime limit. No deductible;
• natural disaster — a new place to stay: Up to $100 a day for 5 days. No deductible;
• political evacuation: Up to $10,000 lifetime maximum. Not subject to deductible;
• emergency medical evacuation: Up to $100,000 lifetime maximum. Not subject to a deductible or overall maximum limit.

To know more about your insurance, you can read more on SafetyWing website.

Characteristics:

Long-term travelers, expats, and digital nomads like to use this Nomad Insurance due to its characteristics.

If you are between 18-39 years old, you can purchase Nomad Insurance for $42 per 4 weeks if you are not traveling to the United States or $77 per 4 weeks if you do.

There are a lot of nice options like monthly payments can be set up automatically and subscription can be stopped. Moreover, you may buy your insurance even if you are already in a trip.

Your medical coverage is about 30 days in your home country if something happens while there after being abroad for 90 days.

You can take to 2 kids under 10 years old with you for free.

Who Is SafetyWing For

When it comes to expats, digital nomads and long-term travellers and the students planning a gap year or semester abroad, SafetyWing is the best solution for all of them.

A price for this insurance will be different depending on your age.

SafetyWing Plans And Costs

SafetyWing plans:

Nomad Insurance Cost

• 5 days-9 years old: included in the price of adult insurance;
• 10-39 years old: $45.08 per 4 weeks;
• 40-49 years old: $73.92 per 4 weeks;
• 50-59 years old: $115.92 per 4 weeks;
• 60-69 years old: $157.36 per 4 weeks.

Nomad Insurance Cost (Including Travel In The United States)

• 15 days-9 years old: included in the price of adult insurance;
• 10-39 years old: $83.44 per 4 weeks;
• 40-49 years old: $137.48 per 4 weeks;
• 50-59 years old: $226.24 per 4 weeks;
• 60-69 years old: $308.84 per 4 weeks.

Pros And Cons

There are a lot of advantages and disadvantages about SafetyWing insurance.

Advantages:

• this insurance can bought even in your trip;
• the low price for this insurance;
• a possibility to join your family namely up to 2 kids under 10 years old;
• coverage of so many countries;
• coverage up to 30 days in your home country if you need to go back.

Disadvantages:

• do not cover after 69 years old;
• the medical coverage is not so comprehensive;
• the deductible may be very high.

A comparison between SafetyWing and other Travel Insurance providers:

• a low price especially for long-term travelers;
• this insurance can bought even in your trip;
• coverage of so many countries excluding Cuba, Iran, Syria and North Korea;
• coverage up to 30 days in your home country.

How To Get SafetyWing Travel Insurance

If you need to buy SafetyWing travel insurance just visit their official website on the Internet.

The next step is to create an account and give your personal information there. After this, set up your monthly payment with your bank card information. The insurance should be renewed every 28 days. Then you need to stop the subscription in the end of your trip.

If you are a traveler with mini budget then SafetyWing is a perfect solution for you. We do really highly recommend SafetyWing insurance if you are seeking a cheap and comprehensive coverage of your insurance.

Number three insurance is Genki – International Expat Health Insurance.

If you are searching for travel insurance for long-term trip Genki travel insurance is a perfect fit for you.

This insurance gives a good coverage for travelers who are outside the national country for a long time. Therefore, let’s go deeper into Genki insurance to discover the pros and cons of this insurance.

We are going to make a good review of Genki travel insurance and see is it really a nice insurance for you.

We’ll provide information about Genki, how it works, who it is for, and more.

So, you will know the main details of this insurance just in the end of this review.

What Is Genki?

If you are a long-term traveler, digital nomad and backpacker then Genki insurance is just for you.

The next thing is that you can cancel your monthly subscription anytime as well as get a coverage from 1 month up to 2 years.

How Does Genki Work

First of all you need to enter your personal information, date of birth, home country, and departure date.

Then you need to choose between some things that can influence the price of your insurance.

Normally the price depends on these things like your age, the country you are travelling in, and the deductible you choose.

When it comes to the deductible, there are two these options like everything will be paid at once or a deductible of 50 euros will apply per case.

A good thing here is that you have an option to cancel your monthly payment anytime as well as to set it automatically if this insurance suits you completely.

So, let’s see what Genki plan may cover.

Genki Coverage is just like this:

• medical treatment everywhere;
• covid-19;
• sports injuries for sports that are not excluded under dangerous activities;
• assistance and direct billing;
• hospital visits;
• medical transport;
• repatriation;
• pregnancy;

• emergency dental treatment;

• initial mental issue treatment;
• medication and materials.

Please visit Genki’s website if you want to learn more about this policy and see all terms and conditions.

Where Are You Covered?

If we are talking about the coverage, you should choose between two options like worldwide and worldwide with no including Canada and the USA. Worldwide option means that you are covered in every country but the coverage in your home country is limited.

Worldwide with no including Canada and the USA means that the coverage also Canada and the United States to 6 weeks per 180 days.

What Is Not Insured?

You know any insurance can not cover some things. Let’s see which things it can not cover:

• pre-existing conditions;
• dangerous activities like motorcycle and car racing, parachuting, paragliding, bungee jumping, base jumping, mountaineering, free climbing, and diving;

• accidents and illnesses caused by excessive consumption of alcohol or drugs;

• anything not medically necessary.

Coverage In Your Home Country

When it comes to the coverage in your home country it is limited to 6 weeks per 180 days if it is up to accidents or emergencies.

Waiting Period

The first 14 days of coverage are limited to accidents and life-threatening emergencies.

If you buy Genki abroad this will limit getting insurance for medical treatment.

Who Is Genki For?

If you are a long-term traveler, digital nomad, and backpacker then this insurance is a perfect fit for you.

The insurance plan will be different depending on your age because Genki covers travelers up to 49 years old.

Genki Plans

Let’s see which plans offered by Genki and which prices are suitable to you.

Remember that prices depend on some factors like your age, your country and deductible option.

Overall, this insurance price is normally 35,70 euros but it is changeable depending the options.

The pricing is about when you are to 29 years old:

• worldwide (excluding Canada and the USA) with a €50 deductible: €35.70;
• worldwide with a €50 deductible: €72.30;
• worldwide (excluding Canada and the USA) with no deductible: €45;
• worldwide with no deductible: €83.10.

The pricing is about when you are between 30-49 years old:

• worldwide (excluding Canada and the USA) with a €50 deductible: €54.60;
• worldwide with a €50 deductible: €108.60;
• worldwide (excluding Canada and the USA) with no deductible: €65.10;
• worldwide with no deductible: €128.70.

After all, you have to pay the first month immediately and the automatic monthly payments will start one month after your cover starts.

There are two types of payment:

• payment with a credit card;
• payment with a debit card.

Advantages and disadvantages

Firstly, let’s see advantages and disadvantages of using Genki.

Advantages:

• you can buy your insurance even if you are already travelling;
• compared to the other insurances the price is very low;
• worldwide coverage;
• limited coverage in your home country for 6 weeks per 180 days;
• the affordable price compared to the other insurances.

Disadvantages:

• no coverage after 49 years old;
• no coverage when it comes to the luggage or trip cancellation;
• no coverage when it comes to the dangerous activities. In this case you need the other insurance.

How Does Genki Compared to other insurances?

A stuff with luggage, personal things, and flights are not covered by Genki insurance making it more health insurance than travel insurance.

Genki insurance is separated from other insurance with this:

• low prices particularly for long-term travelers;
• you can buy insurance even if you are on a trip and you can cancel it any time;
• worldwide coverage;
• coverage in your home country for 6 weeks per 180 days.

How To Buy Genki Insurance

First of all, visit Genki’s website and choose a plan according to your age. The second stage is to provide with your personal information. Then choose the coverage you would like and remove deductible if you need it. As such, you may buy your insurance at once.

When it starts you will get the automatic monthly payments that you can cancel anytime.

Genki Vs SafetyWing: Which Is Better?

They both are important when it comes to the long-term travelers.

Let’s go deep into the common differences between all of them:

• if we are talking about the price, Genki is cheaper per month but only if you are under 29 years old. And if you are more than 30 years old, SafetyWing is more affordable;
• if we are talking about the coverage, you are covered by Genki worldwide but SafetyWing offers some exceptions like Cuba, Iran, Syria, and North Korea;
• if we are talking about the deductible, Genki offers 50 euros deductible and a non-deductible plan, when SafetyWing has a deductible of 250 dollars;
• if we are talking about the automatic monthly payment, Genki charges you on the same day each month, while SafetyWing charges you every 28 days, resulting in 13 times per year instead of 12 times per year. That said, you may want to add the sums up to see which one is cheaper;
• if we are talking about the travel coverage, Genki covers only medical things but doesn’t cover travel issues like travel delays, luggage, or trip interruptions. SafeyWing offers travel coverage too.

What insurance should we choose?

It is different on your needs, budget, and your type of coverage.

If you want to have travel insurance more, then SafetyWing is the best insurance for you. You can learn more about SafetyWing insurance on their official website on the Internet.

In case that you are looking for a low-budget and medical insurance, Genki is a perfect option for you. You can learn more about Genki insurance on their official website on the Internet.

If you are a budget-conscious traveler and you want to have medical insurance Genki is so good to you. The price is low and you should not pay additional money for coverage in your home country.

If you want to have travel insurance more, then SafetyWing is so good for you.

Number four insurance is Heymondo – International Expat Health Insurance.

If you are looking for the best travel insurance for your trip you should pay your attention for Heymondo travel insurance.

In this review we are going to tell you about the policy of this insurance to help you understand is it a good insurance for you or not.

We are going to give you a lot of information about Heymondo, how it works, who is it for, and so much more.

This review is written for you ho help you know the main details about Heymondo travel insurance.

What Is Heymondo?

If you are looking for a tailor-made insurance then Heymondo insurance offers you the best value for your money.

There are three different types of insurances like:

• single trip;

• annual multi-trip;
• long stay.

The main feature of Heymondo insurance is an exclusive mobile application, so that you can get some advantages for your trip:

• 24/7 doctor chat;

• online free assistance call;
• claims reporting;
• account and policy consultation.

How Does Heymondo Work

There is a free consultation on Heymondo if you choose a plan and enter your home country, travel country, and departure date.

Thus, you will get various levels like Heymondo Top, Heymondo Premium, and Heymondo Medical.

You can buy Heymondo Top for 254,98 US dollars, Heymondo Premium for 305,98 US dollars, and finally Heymondo Medical for 233,10 US dollars.

Tariff Heymondo Top will include emergency medical and dental expenses overseas on 5000 dollars, medical transport and repatriation home included, baggage on 1700 dollars, travel disruption on 450 dollars, cancellation and interruption on 3500 dollars, electronic, adventure sports.

Tariff Heymondo Premium will include emergency medical and dental expenses overseas on 10 000 dollars, medical transport and repatriation home included, baggage on 2500 dollars, travel disruption on 1500 dollars, cancellation and interruption on 7000 dollars, electronic, adventure sports, cruise.

Tariff Heymondo Medical will include emergency medical and dental expenses overseas on 10 000 dollars, medical transport and repatriation home included.

So, we see that Heymondo is really tailor-made insurance and prices and stuff can be different depending on your home country, your destination country and your insurance needs.

Heymondo Coverage

In this part of our review we are going to discuss the coverage of Heymondo. By the way, it depends on the plan you are choosing. Sometimes there are a lot of limits in your insurance plan.

There are some sections:

• emergency medical and dental expenses overseas;
• medical transportation and repatriation home;
• baggage loss or damage;
• trip cancellation and interruption;
• travel disruption;
• electronic equipment (optional);
• adventure sport (optional);
• cruise (optional).

To know more about this policy please visit Heymondo official website, there you can find also all terms and conditions.

Countries of coverage

If we are discussing countries of coverage you have to choose between various options like following:

• Specific country;
• Europe;
• World, including Canada and USA;
• World, excluding Canada and USA.

What Is Not Insured?

As with any travel insurance, some things are not covered. Heymondo can only provide coverage for those traveling outside their home country.

You know any insurance can not cover some things. Let’s see which things it can not cover:

• Pre-existing conditions;
• Routine checkups;
• Pregnancy;
• Some extreme sports;
• For the complete list of exclusions, refer to the general conditions.

Deductible

Sometimes it is important to pay deductible because in some cases there is no deductible but you can also pay 250 dollars like deductible.

So, when you are choosing an insurance plan do not forget to see the deductible section in your plan.

Coverage In Your Home Country

It is impossible to get coverage from Heymondo in you home country. Moreover, this insurance is not the chance for you to be covered if you are a digital nomad or a long-term traveler. But if you considering to travel for a short-time then this insurance is a good thing for you.

Waiting Period

If you are on a trip, this insurance will not be valid until 72 hours after you bought it.

You should also keep in mind that if you purchase insurance less than 14 days before the end of your trip, the cost of long-term accommodation due to COVID will not be covered or you may have to change your return flight.

Who Is Heymondo For?

This insurance is made for some categories of people like these:
– backpackers;

-short-term travelers;

– long-term travelers who do not need coverage in their home country.

What is more, Heymondo is a perfect insurance for your trips up to 180 days and also for travelers up to 69 years old. But it also depends on your home country.

Heymondo prices

There are some things that you need to set prices like these:

• country covered;
• chosen options;
• your nationality and so many others.

Because of this insurance is tailored for your needs, to know your exact price you should go to their website and calculate everything for your needs.

Advantages and disadvantages

In this case, let’s see the advantages and disadvantages of having Heymondo insurance plan.

Advantages:

• if you have your traveling now you can buy this insurance too;
• you will have a good app to get a help that you need in your trip;
• there are a plenty of countries to be covered depending on your plan;
• if you are a long-term traveler you may renew your insurance.

Disadvantages:

• depending on your nationality there is no coverage after 69 years old;
• you are not able to have coverage in your home country.

How Does Heymondo Compare To Other Travel Insurance Providers?

From our point of view, Heymondo is an excellent option for you.

Things that make this insurance unique are the following:

• you have a chance to choose a plan that satisfies your money and needs;
• you may buy your insurance after departure;
• Heymondo mobile application.

How To Buy Heymondo Travel Insurance

Please go to the official website and choose a plan that suits your needs. The second step is to give your personal information.

Buying Heymondo travel insurance is straightforward. First, head to the website and pick a plan that suits your needs. Then, enter your personal information.

If your option is a long-stay, you will have to pay right away. However, if your option is a multi-trip, this insurance will send you a quote.

Heymondo is a great thing for travelers who have to get travel coverage. The prices are low and tailor-made for your needs.