Sberbank gold card insurance abroad. What is included in the basic protection. What documents are needed

Never ever deal with this insurance company! It is better to fly on vacation without insurance than to spend money on their useless policy. I am writing a review in hot pursuit. just got back from the Philippines.

A month before departure, we issued cards under the Sberbank Premier program, where travelers around the world were insured as a bonus, but after reading the reviews, the question arose whether to trust this insurance company. They decided to take a chance on their stupidity with the hope "like most people, probably))" that everything will work out. Unfortunately, it didn’t work out, in the middle of the vacation there was a strong inflammation of the ears, I was diving. Because this has already happened, I thought it would manage and go away by itself, but not this time) The pain became stronger, and the hearing disappeared every hour.

Accordingly, I call mondial assistance, after long inquiries, when did they issue it? When did you fly away? When are you going back? The employee said goodbye to me and said wait, we will contact you in the near future, if we have questions, you can write to e-mail! Okay, we're waiting! An hour passed... second... third, silence. I write to them by e-mail ... Silence again. Passed the fourth, fifth, sixth, etc. In general, about 5-6 letters were sent to them, but I did not receive a response to any of them. He showered them with angry curses, forgot about this idea and began to look for a way out of the current situation themselves, since we are related to medicine.

When they themselves, it seems, began to cope with the problem from our beloved insurance, after exactly a day, an SMS arrives that a doctor is waiting for you there and there. It's somewhere on another island, that's the way it is. Well, ok, I think, since we agreed to go then, the doctors will cope with my problem faster than self-medication here.

After 2 hours we get to the hospital indicated to us, and there, what do you think? And they didn’t hear about us and our insurance company, they recommended to come tomorrow morning, because. the department dealing with these issues has completed its work today. We bought medicines in the city pharmacy and set off on our way back.

On the next in the morning the problem with the ears began to go away, I decided not to go to the hospital again, not to waste time. But the insurance company still persistently sent SMS that a doctor was waiting for me))

After 2 days, passing by this hospital on my own business, I decided to drop by during working hours, all of a sudden, they really are waiting and everyone is already in the know, but I’m not going to the scoundrel, and then I’ll write ungrateful reviews about the best insurance company) But no, everything was as expected, no one knows, such a surname and the name of the insurance company are heard for the first time. They offered me a cash examination, saying that my insurance company should reimburse all expenses. To which I culturally refused, assuming that no one would reimburse me anything, and there was no longer such an urgent need, I would somehow reach Moscow somehow.

So think 100 times before entering into a contract with this company. It is better to overpay for the policy and feel protected than to save on your health. It's good that only ears can be said to be lucky, good luck to everyone!

P.S. We have been serving in Sberbank for a very long time, and in general we are very satisfied with the service. And it is not clear why Sberbank cooperates with mondial assistance, thereby undermining its authority.

Favorable and convenient travel insurance from Sberbank

The Sberbank Travel Insurance service has undeniable advantages and is valid in any country in the world. In order to use it, you must contact the consulate of the host country. When applying for an insurance policy from Sberbank of Russia, the client is guaranteed to receive the necessary urgent assistance and professional support in any unforeseen situation, whether it be health problems, or the loss of documents or luggage.

Insurance can be issued both at the bank office and online, which makes this service even more accessible and in demand.

How to apply for an insurance policy online

Travel insurance online - travel safely abroad.‎

Sberbank Travel insurance online is the most convenient modern opportunity that allows you to significantly save your personal time without visiting a bank office.

Obtaining insurance on the official website of the bank is available not only to regular, but also to new customers, so this method is becoming more popular than the traditional one.

The first thing you need to take out travel insurance is to visit the new official website of Sberbank.

Having opened the appropriate section, you should select the type of policy of interest. At this stage, you need to specify:

• region of its operation (select the appropriate option from the list);
• start and end date of the trip;
• validity period of the insurance policy (number of days);
• add information about people who should be insured.

At the next stage, you need to choose the desired amount of insurance coverage - depending on the set of services, it is 30,000, 60,000 and 120,000 euros.

Then you should select the insured event of interest and pay for the policy using a bank card. After that, the electronic insurance policy will be sent to the client at the specified e-mail.

The main advantages of an electronic policy are the ideal convenience and fast speed of its issuance. At the same time, it fully possesses the properties of a paper version of the document. This method of issuing travel insurance is suitable for Sberbank cardholders.

When ordering the Sberbank Premier service package, the travel insurance program is provided to the client on favorable terms.

The specifics of the cost of an insurance policy in Sberbank

The cost of an insurance policy from Sberbank is influenced by factors such as its type, as well as the number of options. After the client selects all the options he is interested in, the system will perform an accurate calculation of the policy.

How to save on the service?

In order to reduce the price of purchasing a policy, you can use the promotional code "Sberbank Travel Insurance", which must be entered in the appropriate field. You can get a special code by participating in various promotions, as well as ordering certain banking services.
More information about all the offers can be found on the website.
Sberbank Insurance official website: https://www.sberbank-insurance.ru

For what cases is insurance compensation provided?

Basic travel protection includes the following insurance services:

• medical care and transportation;
• returning children and looking after them;
• visit of relatives;
• fare;
• payment for urgent messages;
• carrying out rescue and search operations;
• hotel accommodation before transportation;
• loss or theft of documents;
• payment for the services of a professional translator.

Additional options

In addition to the basic insurance services, the customer has access to specialized option packages that are designed to expand the number of types of covered risks. To date, the following packages of additional insurance services are available:

• Sports (protection during active sports);
• Baggage protection (in case of loss or flight delay);
• Personal lawyer (providing legal assistance);
• Special case (early return or accident insurance);
• Prudent (insurance in case of trip cancellation).

The main advantages of insurance from Sberbank

The travel insurance service from Sberbank has many undeniable advantages, including:

• absolutely simple, fast and affordable registration procedure;
• a wide range of insured events and the period of validity of the policy;
• the fair value of the policy, which depends entirely on the type and number of options chosen by the client;
• recognition of the insurance policy in all countries of the world, since it is made in the form of an international document;
• significant amounts of compensation payments, which are sufficient to cover financial expenses in the event of various emergency situations.

During any trip, travel abroad, a tourist can feel safe and secure thanks to a quick and affordable insurance policy that is valid in all countries of the world. Sberbank clients highly appreciate the work of the insurance company Sberbank Insurance in the most difficult situations.

Traveling abroad for recreation, treatment or study for a considerable number of Russians is becoming an increasingly common way to change the situation, receive high-quality medical care, and education. In recent years (starting from 2008–2009), a steady trend has emerged - about 30% of citizens traveling abroad prefer independent travel, instead of the all-inclusive package tours that are so familiar to everyone.

In addition, many of our compatriots choose long-term residence as expats in various countries as an alternative to living in their own country - someone leaves for the winter in Thailand or Bali, and someone tries to spend time in European countries.

In all these cases, a traveler, an expatriate or a Russian going to study, is left alone with all the surprises that can happen to him in any, even in the most civilized country in the world. And if during collective travel the travel company took care of the insurance of its tourists, then in this case you have to rely only on yourself.

This article will talk about how Sberbank provides travel insurance. We will also talk about what insurance conditions are offered and how the risk coverage system works.

Is travel insurance required?

The main thing that every traveler should remember is that he is outside the usual and familiar conditions, outside the social and legal guarantees that he is provided with in his own country. The main reasons why you need insurance when traveling abroad:

1. Medical care in almost all countries is paid, and even in emergency cases, a substantial fee is required. In addition, not every country can provide medical care of the appropriate quality and standard. In such cases, it is often necessary to move to another country, which, of course, costs a lot of money.
2. The presence of an insurance policy allows the traveler to get the necessary advice from the specialists of the insurance company in Russian almost around the clock without language barriers. Moreover, such consultation can be provided in any emergency situation, which is important, especially in stressful moments.
3. An insurance policy is a guarantee that the traveler can receive financial compensation for medical treatment and other similar expenses upon returning home.
4. The presence of an insurance policy for a traveler is often required when applying for a visa to many countries, especially when traveling abroad for the purpose of long-term residence, for example, to study. Also, many special tours, for example, to mountainous regions or other areas with extreme climatic conditions, require compulsory insurance.

And most importantly, a traveler who has insurance feels more confident in another country, which allows him to fully devote himself to the purpose of the trip, without fear that in the event of an unforeseen situation he will be left alone with the problem.

Terms of travel insurance in Sberbank

The conditions for travel insurance at Sberbank are defined by three basic areas:

1. The first is travel insurance within the Russian Federation; the basic amount of insurance protection in this case is 15,000 euros.
2. The second is insurance outside the territory of the Russian Federation; the basic amount of insurance protection is 35,000, 65,000 and 120,000 euros, depending on the type of insurance policy chosen.
3. Third - the territories of the world, except for the Russian Federation and the USA; the basic amount of insurance indemnity is 60,000 or 120,000 euros, depending on the type of insurance policy chosen.

The cost of insurance largely depends on how often the client travels, to which countries and for how long. Bonus travel insurance is provided for Sberbank cardholders, for example, for those who use bank plastic cards of the Platinum or Gold series, as well as World Master Card Black Edition cards.

Who can insure

Participants in the travel insurance program from Sberbank PJSC can be:

1. Adults aged 18 to 70 inclusive. Citizens older than 70 years old can also be insured, but the insurer will offer individual insurance conditions and an increased insurance premium rate.
2. You can insure the entire family, including children. At the same time, it is possible to insure both adult children and minors.
3. The conditions of Sberbank provide for insurance services and other relatives, provided that all of them are owners and holders of bank cards of this particular bank.

How to apply for a policy

You can apply for a policy at any branch of Sberbank. It is also convenient to do this online if the client already has the option and is connected to the Sberbank Online system.

In order to choose the optimal conditions for a future insurance policy, the traveler must know which insurance risks will be priority for him and what conditions of insurance coverage he can count on.

What does travel insurance include?

When traveling to even the most civilized country, one can face health risks and risks, the consequences of which can be various legal restrictions in the host country, fines and even legal prosecution. For these purposes, Sberbank has provided a set of risk insurance options in the travel insurance program:

1. Medical insurance provides for the provision of both ordinary medical care and emergency hospitalization, including necessary surgical operations.
2. Transportation costs associated with the provision of medical care.
3. Emergency dental care, except for prosthetics and dental fillings.
4. In the event of thermal skin injuries from sunburn, which is especially in demand for those travelers who go to tropical countries for the first time.
5. Expenses associated with the loss of a passport or other documents that prevent a citizen from moving across borders or staying in the country.
6. Repatriation in case of natural disasters, social unrest or military conflicts in the host country.
7. Payment for the services of translators, if necessary, to resolve any issues, litigation, settlement of legally significant actions.
8. Paying for childcare services if the parents are unable to do this themselves due to emergency, for example, during hospitalization in a clinic.

In addition, Sberbank insurance for traveling abroad covers the costs associated with the temporary residence of the client until he is repatriated to his homeland, as well as payment for communication services (telephone, facsimile, Internet access, postage) if necessary, communication with relatives, lawyers and representatives of consular services or the Embassy of the Russian Federation.

Additional options

In addition to the basic conditions for travel insurance, Sberbank travel insurance has a number of special programs aimed at target customer audiences. It is worth noting the following:

1. Insurance policy "Sports" designed for customers who prefer outdoor activities and travel. This policy covers the risks associated with sports grass, situations that may arise when using sports equipment - bicycles, motorbikes, quads, jet skis, etc.
2. Insurance policy "Prudent" covers the risk of the traveler canceling the trip - compensation for the cost of booking tickets, hotels, transfers.
3. For those who are faced with the need to provide legal assistance in the host country, there is insurance policy "Personal lawyer". Moreover, this policy covers the costs of hiring local lawyers if the company does not have its own specialists in that city or region.
4. Insurance package "Luggage protection" provides for compensation to the client of expenses related to the loss of luggage, its incorrect addressing, return or full compensation for the cost of lost items.

In addition, there are a number of insurance packages tailored to specific cases that the client may encounter in the host country, for example, the “Special Case” package, designed to compensate for the sudden termination of travel due to reasons beyond the control of the client.

Terms of insurance

The insurance period can be chosen by the traveler independently and ranges from 2 to 12 months. The insurance period can be extended once and, for example, for the Schengen countries, this period can only be extended by 15 days.

Sample insurance policy

Despite the fact that travel insurance at Sberbank covers most of the risks that any traveler may face, you should still follow a few simple tips so as not to become the cause of an insured event.

1. Plan your trip in advance, trying to learn as much information about the country as possible- social, epidemiological, climatic situation, etc.
2. Consult with doctors first, what are the best vaccinations to do before the trip, what medicines you can take with you.
3. Avoid crowded places in the host country, especially if it involves some kind of protest.
4. Use the services of licensed guides, especially in extreme natural conditions.
5. Valuables, money and documents should be kept in safe places if possible, in hotel safes.

In addition to these basic principles of safe stay in foreign countries, one should adhere to cultural and moral norms of behavior in order not to become a participant in an insured event.

What to do when a risk occurs

In the event of an insured event, the client must first contact those emergency services that are necessary to provide assistance on the spot. The second step is to inform your insurance agent in every possible way. To do this, his phone number and other contact details must be recorded not only in a smartphone, laptop, notebook, but also enclosed in a passport and other places. At a minimum, there should be several such places, so that in case of a stressful situation, you do not have to look for where and how to call. The third step is, if possible, to contact the employees of the consulate or embassy of the Russian Federation in the host country.

In contact with

Making an insurance medical policy is an integral part of any trip abroad. Without it, even the issuance of a visa does not occur, so every travel enthusiast should have this policy with him.

Today, all insurance companies of commercial and state type are engaged in its design. And one of these organizations is Sberbank.

Policy Features

An insurance policy from Sberbank can be issued at any branch of the bank or on its official website online. A prerequisite is that the insured person must be a bank client and a debit card holder (Visa, MasterCart, Maestro, MaestroMomentum).

If the insured person is not a client of Sberbank, but wants to issue an insurance policy here, then he should open a bank account and order any debit card (it takes 10-14 days to issue it). After that, he automatically gets the opportunity to issue an insurance policy at Sberbank.

The Sberbank policy is recognized in all foreign consulates. With it, it is even possible to travel to the countries of the Schengen agreement, in which there is a strict selection of tourists.

When entering a foreign country and having a policy from Sberbank, each person can be sure that he will definitely receive assistance and support in a difficult situation.

What are the advantages

Sberbank insurance policy costs only 300 rubles. It is much cheaper than buying a policy in private organizations. Moreover, it is valid for 12 months from the date of receipt and within 90 days from the date of arrival in a foreign state.

The number of trips doesn't matter. A person can change the country every 90 days and at the same time use an insurance policy from Sberbank. At the end of its validity period, the policy must be replaced with a new one.

The insurance policy is valid anywhere in the world. It includes all the risks that other companies insure against at a fairly high price.

The policy limit is 100 000$ . These funds can be used both to pay off medical services and to compensate for losses incurred by the insured person from circumstances beyond his control.

For example, a flight was canceled or luggage was damaged or lost during transit. In addition, Sberbank covers vast territories and its branches are located in almost every country.

This gives confidence to the insured person in their safety and the possibility of receiving free medical care.

And another advantage of the Sberbank policy is that it is valid for all participants in the trip (children, relatives, spouses, etc.).

What are the risks

Like any insurance company, Sberbank offers its clients a wide range of insurance services, including:

• provision of medical care free of charge, including dental care;
• covering the costs associated with the purchase of medicines and treatment in the clinic;
• covering the costs associated with transportation services (delivery of the insured person to the clinic, emergency repatriation, etc.);
• coverage of losses associated with a delay or cancellation of a flight;
• coverage of losses associated with the loss or damage to baggage;
• provision of legal assistance in a foreign state;
• assistance in case of loss or theft of documents;
• insurance against damage to property of third parties.

As for the second point (covering the costs associated with the purchase of medicines and treatment at the clinic), there are some peculiarities here, which the bank employees must inform you about when signing the contract.

The thing is that this paragraph does not apply to persons who went on a trip with any diseases and undergoing special treatment.

Coverage of expenses occurs only if a person falls ill during the trip. Also, expenses are not compensated if the treatment is the purpose of the trip, as well as if the person independently attempts on his own life in order to receive insurance payments.

Another exception to insurance payments is injury caused by the use of alcoholic beverages and drugs. In this case, Sberbank does not make payments to the insured person.

The insurance policy is also not valid if during the trip the woman began labor activity, as a result of which she gave birth to a child.

In these cases, she will have to pay for medical services and stay on the territory of the clinic for her and the newborn from her own funds. Only the case of the need for an abortion and only for medical reasons falls under insurance payments.

With regard to injuries sustained as a result of sports while traveling, here payments are made only if these activities were not the purpose of the trip and did not carry a competitive interest.

There are situations when we harm the property or health of third parties, not wanting it. In such situations, civil liability arises, which provides for fines and compensation to the injured person.

As a rule, such situations arise unexpectedly and entail large financial losses. Therefore, Sberbank took responsibility for paying compensation.

But here there is one peculiarity - the insured person must notify the insurance company about the incident within 24 hours from the moment the claims are made.

Otherwise, the insured person will have to pay moral compensation to a third party from his own funds.

Insurance compensation

Each person who has taken out an insurance policy at Sberbank can receive insurance compensation, but only if an insured event occurs that is included in the risks covered by the company.

In the event that the trip occurred without incident, then it is impossible to return the funds paid to obtain the policy.

In the event of an insured event, the insured person must call the number indicated on the policy and notify the company's employees about what happened and where, as well as what assistance they currently need.

It should be noted that the limit of the insurance policy is equal to 100 00 $ and it decreases after each insured event.

Therefore, if the policy limit has expired, the insured person can no longer make claims to the insurance company. A person must pay for medical services and bear other expenses.

Video: About travel insurance

Your feedback

Discussion: left 2 comments.

Before going on vacation, my friends insisted that I take out an insurance policy in Sberbank. I doubted for a long time, as I already had a sad experience of dealing with other insurance companies, but still took a chance. And not in vain!

During the trip, I had an accident. The tour bus had an accident and we were all badly hurt in this DDP. I had a broken leg, and there were a lot of abrasions and bruises on my body.

Once in the hospital, I immediately contacted the employees of Sberbank and they told me that they would soon transfer the funds to the account of the clinic so that I could receive appropriate treatment. After this conversation, about an hour later, I was already transferred to the general ward, my whole body was treated with some solutions and kept under observation for another 4 days. During this time, they did not take even a ruble from me! I am very grateful to Sberbank!

I have been cooperating with Sberbank for more than one year. I not only make deposits with them on favorable terms for me, but also every year I purchase an insurance policy from them (it is very cheap). And every time I go traveling, I always take this policy with me, as it has helped me out more than once.

The first time I used it was 3 years ago. First, the flight was canceled at the airport, and upon arrival in a foreign country, my luggage was delayed for as much as 7 hours! All this Sberbank compensated me without any problems. I just called them and that's it - in a few hours all my losses were compensated!

And the second time I took advantage of the policy last year, when I went on vacation to Germany. They stole my documents right at the airport! But Sberbank again helped me out and quickly helped me recover the loss.

So now I buy an insurance policy only here! Because I am confident in their conscientious and efficient work.

Everyone who has ever applied for a visa to travel abroad has faced the issue of obtaining an insurance policy. It is clear even to an independent traveler that obtaining insurance is a necessity and an important point in paperwork. The insurance company must inspire confidence and be confirmed as a reliable partner at the Embassy. Insurance at Sberbank is a service that has existed since 2014 and is issued to bank customers and everyone who wants to be safe on their upcoming trip.

A Russian traveler always wants to save money and spend money on entertainment and travel experiences, and not on extra papers that most likely will not be useful. In fact, it is the insurance policy that will help to avoid unnecessary expenses, if this need does arise. Without an insurance policy, the cost of treatment abroad or seeking legal services can be overwhelming and lead to an unpleasant dead end.

Insurance issued at Sberbank will allow you not to worry in advance and relax on the upcoming trip.

The insurance policy will save not only in case of minor damage, but also in case of flight delay and loss of luggage, if these options are included or paid extra. Far from home, you can always hope that there will be support and financial support.

What documents are needed

Sberbank provides a service for citizens planning to travel to other countries and across Russia to everyone who applies for it. The client will be able to issue a policy both at the offices of partner insurance companies and at the branches of Sberbank, if this employee is there. Insurance is issued for citizens from 3 to 65 years. This will require the following package of documents:

• Passport of a citizen of the Russian Federation, as well as passports of other family members, which will be included in the policy.
• Foreign passport, or the names of all family members on a separate sheet of paper in Latin letters (as they are indicated in the international passport).
• Sberbank card.

If there is no Sberbank card, then the service can still be obtained by issuing the Momentum express card. This is done quickly and with a passport. This type of card is used to issue a card with personal presence, as well as to purchase insurance online.

Using the card, you can also prepare travel insurance for family members (up to 4 persons), including close relatives. Provided that the owner of the card is issued together with them. Children from the age of 14 can be issued according to the passport separately, and children under 14 years old only together with a parent.

You can call the Sberbank Insurance contact service around the clock, and the company has reliable partners all over the world. There are reliable partners around the world ready to help. Insurance from Sberbank gives a guarantee of obtaining Schengen for the maximum longer period.

Policy online

To insure a trip, it is not necessary to be personally present at a bank branch. The service is also available online. You can issue it on the official website of Sberbank before traveling around Russia and for traveling abroad. This type of policy has the same legal force as the usual one on paper. What steps do you need to take to apply for a policy online?

• Select the "Insure yourself and property" tab.
• Go to Travel Insurance.

• Select "Apply Online".

• Carefully fill in all the items.

• Proceed to checkout.
• Get the policy to your personal mailbox for printing and saving it on electronic media.

The cost of the insurance policy depends on the duration of the trip, the country of travel, the number of tourists and the amount of insurance coverage.

What can be insured

The travel insurance policy covers the following services and incidents:

• Reimbursement of expenses for medical care, including medical transportation.
• Burns from ultraviolet rays.
• Repatriation.
• Return of children and delivery of relatives traveling to the victim.
• Payment of urgent messages and transport costs.
• Dentistry.
• Loss of documents in case of damage or theft.
• Search and rescue operations.
• Hotel accommodation until transportation.
• Translation services.