With the onset of warm days, a huge number of people get out of the city to do dacha business and relax in the bosom of nature. At the same time, not everyone remembers that in the spring there is a very high probability of being bitten by a tick - this sometimes leads to very deplorable consequences in the form of various health disorders. Tourists, mushroom pickers and just vacationers who want to fry kebabs in the fresh air should remember about safety in the forest. Unfortunately, these categories more often than others become a victim of a dangerous insect.
Exercise maximum caution
It is at the end of spring that maximum caution should be exercised, since during this period ticks actively multiply. However, this does not mean that you should be less vigilant in other months: an insect can infect you from April to October.
It is also important to remember that the tick acts very carefully: you will not even feel that it is on the skin. At the same time, you will not experience any pain symptoms either, since insect saliva contains anesthetic components that dull sensitivity. As a result, a person becomes infected and it is extremely difficult to cure this disease in most cases. It must be emphasized that the treatment process itself is quite expensive.
What to do?
Of course, everyone wants to reduce the risks of meeting a tick to zero and avoid spending on it. To minimize the likelihood of being infected with a dangerous insect, today many resort to such a procedure as tick insurance.
What is its meaning? Everything is very simple. You are applying to insurance company and buy a special policy from her, which is valid for certain period time. If during this period you suffer from it, you will be provided with free medical care in one of the clinics. At the same time, the contract separately prescribes which particular institution will have to serve the client. Thus, a program such as tick insurance implies that the victim will be provided in an institution that is professionally engaged in seroprophylaxis. There, the patient will be helped to remove the tick, and then he will be prescribed a course of treatment.
Specifics of the insurance program
It should be noted that today tick insurance is a fairly relevant and popular program offered by many insurers. Moreover, it is also available to citizens with a low income. Today, such a program as tick insurance, which costs an average of 200 rubles, is necessary for almost everyone.
At the same time, it must be remembered that, depending on the amount of the contract, the set of services provided will also be different.
For example, the most cheap insurance from a tick will include a single immunization. If the client makes a choice in favor of a more expensive program, then after the onset insured event he can count not only on a full course of immunization, but also on therapeutic procedures, and if the disease progresses, then on all the medications necessary for treatment.
Currently, you can insure yourself or take out one policy for all family members at once.
What should you pay attention to when taking out an insurance policy?
Despite the fact that tick bite insurance is a necessary and relevant procedure, one should not rush into choosing one or another program. First of all, you need to discuss all the nuances and subtleties with the insurance agent.
Many companies now offer tick insurance for children. When choosing such programs, you should not opt for the cheapest ones, since you cannot save on the health of children.
Carefully analyze all clauses of the contract, as some employees of insurance companies deliberately embellish certain programs called "Tick Bite Insurance". Particular attention should be paid to the clauses of the contract, which will be discussed below.
Insurance amount
This paragraph indicates how many Money will be spent by the insurer on treatment. In some cases, the company's employees guarantee the maximum amount of medical care and rehabilitation, however, the contract fixes enough a small amount Money. Naturally, it is hardly possible to get what was promised for such money. In order to avoid possible disputes and conflict situations in this regard, it is better to analyze in advance the cost of the immunization procedure and all necessary medications.
Service list
From the contract, you must clearly understand what kind of assistance you can count on in the event of an insured event. Moreover, if the contract states that you are entitled to only a single immunization, then you will not be able to count on anything more even if the insurance amount is astronomically large for you.
Annex - an integral part of the contract
Remember that tick bite insurance must be issued with all the necessary attachments.
They should clearly state in which medical institutions you will be treated if you become infected with the virus. Of course, it will be good if they are located near your home, and you should pay attention to this fact first of all when choosing a particular program. It will be useful to make sure that the insurance company has entered into an agreement with the medical institution in which the patient will undergo treatment.
Territory
Pay attention to the territory covered by the policy. Keep in mind that when providing a service such as tick bite insurance, some companies cover the entire country, while others only cover certain regions.
Conclusion
Take care of the purchase in advance so that trouble does not take you by surprise. Don't forget about vaccinations too.
An insurance policy against a tick is currently enjoying well-deserved popularity. These dangerous insects have spread almost throughout the country, and you can get a tick infection not only in the forest, but also in the country, in the park, in the square. In some areas, the risk of being bitten is very high. Emergency measures and treatment for tick-borne lesions are quite expensive, and insurance can significantly reduce costs. There are several effective insurance programs, and the right to choose the most suitable company remains with the insured.
Ticks are a serious threat to human health. Their bites can cause such serious diseases as encephalitis, Lyme disease, turaremia, typhus, and viral fever. Tick-borne infection affects the central nervous system, causing paralysis, disability, and sometimes death.
Of course, no insurance can exclude tick bites, but it allows you to provide a free course of treatment that eliminates the risk of serious consequences.
To this end, in all regions of the country where there is a risk of tick damage, the “Tick Insurance” programs have been launched.
Companies providing these services enter into an agreement with relevant, specialized, medical institutions capable of providing full-fledged treatment. A list of such institutions is given in the policy, and they cannot refer to the lack of necessary medicines.
Why insure against ticks if there is a CHI policy
People have a natural question about why additional insurance is needed when there is a CHI policy. The fact is that the drugs needed for a bite (in particular, immunoglobulin) are not included in the list mandatory funds for a medical institution. They are not in the list of free drugs under the CHI policy. As a result, a situation often arises when the hospital does not have the necessary medicines, and the relatives of the victim are forced to urgently buy them at a pharmacy for their own money. Even in this case, the tick insurance policy provides for monetary compensation for medicines.
The answer to the question why it is worth taking out tick insurance (regardless of compulsory medical insurance policy), primarily associated with economic feasibility. The policy, depending on the specific program, will cost 200-400 rubles.
Only tests for tick-borne infection cost about 800-900 rubles
For an injection, 5-8 ampoules of immunoglobulin (depending on body weight) will be required, each costing about 800 rubles. Further, when an infectious lesion is detected, complex treatment is necessary, for which a whole set of drugs is needed.
What documents are needed for insurance
When visiting the insurer in person, you do not need to have a special set of documents with you. It is enough to present an identity document. In addition, comprehensive data of persons included in the insurance are indicated.
Features of the tick policy
Tick insurance is provided under various specific programs. They may differ in the set of mandatory services. This condition is primarily reflected in the cost of the policy. The standard insurance package provides for the following free services:
- Preliminary examination and removal of the tick from the body. This service, of course, is provided free of charge in the relevant medical institution. When extracting an insect independently, monetary compensation is made only if this is stipulated by the contract.
- Carrying out a full range of laboratory studies. An analysis for encephalitis infection and Lyme disease is mandatory. Analysis for other viruses is negotiated in the contract additionally.
- Immunoglobulin injection. It is held in without fail if an infection is detected, within 72 hours after the bite.
- Preventive measures to prevent borreliosis. This event may not be included in the minimum package of services. Including it on the list increases the cost of the policy, but if such an infection is present, the tick has a risk of serious illness.
- Treatment of a disease caused by a tick bite in a hospital setting. The contract specifically stipulates the list of drugs and treatments that are covered by insurance.
Obligations of the insured
The insurance contract provides for certain obligations of the insured person. This item must be carefully analyzed before signing, because. violation may cause the insurer to refuse to fulfill its obligations. There are 2 typical requirements:
- It is necessary to apply only to medical institutions that are included in the register of the contract.
- Treatment should be carried out no later than 3 days after the bite.
Conditions are subject to change in the absence of the necessary drugs in the specified medical facility
In this case, the victim must contact the insurance company and report this fact. Further, the possibility of treatment or the purchase of medicines in another place and the procedure for monetary compensation.
Can the whole family be insured?
Don't forget the opportunity to save money when buying insurance. It is so important to decide whether the whole family can be insured. Most insurers welcome this step and give discounts on family policies. Significant discounts are provided when children are included in the general insurance.
Sum insured
Depending on the range of services provided sum insured can vary from 40 thousand rubles to 1 million rubles. The amount depends on the insurance program, company and region.
Free treatment will be carried out only within the sum insured
Naturally, amounts in the range of several tens of thousands of rubles will not be able to provide full-fledged treatment in a hospital, and even more so compensation for the recovery period.
Term of insurance
The contract is usually concluded for 1 year. You can insure for a specific, dangerous season, i.e. for a period of 3 or 6 months. It is important to pay attention to the start date of the insurance. Not always the contract begins to operate from the moment of signing. Most often, it starts 2-3 days after signing, and sometimes only a week later.
If the tick bites before the start of the insurance, the insurer has the right to refuse compensation
These basic conditions, first of all, are taken into account when choosing a company and an insurance program. The insured himself chooses the category of the policy, but he must clearly understand where you can safely save, and where there is an unjustified risk.
Can I buy a policy online
This service has become quite popular. No need to be afraid electronic clearance tick policy. It has exactly the same effect as the one issued in the company's office, but it can cost less!
Policy cost
The price is directly related to the previous paragraph of the contract. Discounts are provided for family and collective insurances. Child tick insurance will cost 10-20 percent less.
In general, depending on the program, the cost of the policy is in the range of 160-450 rubles
Some companies associate the cost of insurance with the age of the insured, taking into account the complexity of treating older people. So the popular Antiklesch program offers the following tariffs:
- children under 14 years old - 290-310 rubles;
- people aged 15-60 years - 330-335 rubles;
- people aged 61-70 years - 345-355 rubles;
- elderly people over 70 years old - 365-370 rubles.
The contract may include a minimum (tick extraction, immunoglobulin injection) or advanced package medical services. The full package includes hospitalization and recovery period.
In addition to the main criteria, some other conditions of the contract also play an important role. In order to avoid problems with the use of the policy, the following nuances should be taken into account:
List of medical institutions
It is necessarily attached to the contract, and free treatment can only be obtained in them. Different insurance companies may enter into service contracts with different institutions, and therefore their list is different in different programs. The policyholder has the opportunity to assess the availability of institutions, taking into account his stay. For example, it is worth considering in the case when the main services are provided at one end of the city, and the laboratory for analysis is on the opposite outskirts. It is necessary to select such conditions when there is a choice of several medical institutions.
Where does the policy apply?
The geography of insurance is important for people who are going on a trip to another region of the country. The policy may apply only to a certain region (city, district, region) or to the entire territory of the country. Your vacation plans should be coordinated with the list of medical institutions under the contract.
Child tick insurance
As mentioned above, insurance for a child will cost about 20% less than for an adult. But the risk of picking up a tick in the playground or playing in the grass is higher.
How and where to apply for a policy
Tick insurance is purely voluntary. To obtain a policy, you must conclude an agreement with an insurance company. How and where to apply for a policy? Currently, these possibilities are greatly expanded. You can insure yourself in regional companies that have joined the Tick Insurance programs and have the appropriate license to provide this service, as well as in banks that have the right to work on affiliate programs.
What to look for when applying for a tick policy
Tick insurance most often provides for the provision of free medical services in specific institutions. Some programs may include monetary compensation, which increases the choice of treatment options. In addition, the insurance may provide compensation for the recovery period after discharge from the hospital, temporary disability, disability, and even death.
Tick bite insurance programs
Tick bite insurance can be provided under various programs for which licenses have been issued. They may be federal or regional in nature. Some of the most popular programs include:
- Antiklesh. There are several programs of this type that are provided by organizations in the Rosgosstrakh system. They provide targeted insurance for children aged 1 to 17 and adults under the age of 80. The package of services includes outpatient emergency care, a full range of diagnostics and inpatient treatment. Extended packages also include recovery and rehabilitation activities. The validity period of the policy is up to 1 year. Its action extends to all dangerous regions of the Russian Federation.
- Tick-borne encephalitis program. It is offered by JSC "MAKS" and applies to the treatment of not only encephalitis, but also borreliosis, ehrlichiosis and anaplasmosis. It provides for monetary compensation of own expenses for drugs. The policy can be individual, family and collective (for 5 people). The coverage area is the Moscow region and all major regions of the country.
- Alpha TIC. A wide range of services for a tick bite is offered by AlfaStrakhovanie.
In addition to these offers, insurance under Federal Program"Tick protection" is provided by other regional and federal organizations. Such services are provided by branches of Ingosstrakh, Sberbankstrakhovanie LLC, etc.
Tick insurance will not eliminate the risk of an insect bite, but the policy simplifies treatment and prevents the development of serious consequences. It complements the required health insurance, which does not provide some of the necessary drugs. The economic benefit of such a step is not in doubt, because. The tick insurance policy provides not only free, emergency care, but also inpatient treatment, as well as recovery and rehabilitation.
What to do in the event of an insured event
A tick bite is considered insured during the period of validity of the insurance contract and in the territory specified in it. In this case, the victim, having an insurance policy against a tick, must contact one of the medical institutions indicated in the list within 72 hours. Only in them he will be provided with emergency, free medical care.
Further, within the agreed package of services, a person goes to the laboratory for complex analysis followed by a decision on the need for hospitalization. In the hospital, only drugs included in the list attached to the contract will be prescribed free of charge. Other funds the victim will have to pay additionally.
According to the list of the contract, medical institutions must have the necessary drugs. If they are not available, the patient must report this to the insurance company. He has the right to purchase the necessary medicines at his own expense and demand monetary compensation from the insurer, but the procedure for compensation must be agreed in advance, without leading to subsequent litigation.
In contact with
In spring and summer, when the weather is warm and sunny, we try to spend more time outdoors. We are happy to go to the dacha, to water bodies to enjoy the beauty of nature, relax, swim, etc. Unfortunately, lovers of barbecue and walks in the forest face a serious danger - ticks. By itself, this small arthropod is not dangerous, but it is a carrier of serious diseases. It is better to protect yourself so that in the event of a tick bite, you can use the full range of necessary medical services. The site site offers to think about safety and comfort and take out insurance against a tick bite by choosing suitable policy at a favorable price.
Precautions in the spring and summer
- Ticks often become carriers of infections, the most dangerous of which are encephalitis and borreliosis. The first can be protected by vaccination.
- Don't forget to wear the right clothes when you go out into nature. It should have long sleeves, preferably also the presence of cuffs. Pants are recommended to be tucked into socks or boots. Don't forget your headwear. When choosing clothes, give preference to light colors - so the tick will be easier to notice if necessary.
- Treat your gear with tick repellent.
- Try to walk in the forest along the paths.
- Check your body every couple of hours while in the woods. Before biting a person, a tick can look for a suitable place for a long time.
- After the hike, once again inspect the clothes and body, comb your hair with a comb with frequent teeth.
Insurance risks with cash compensation
Stationary. If, after a tick bite, inpatient treatment was required for a period of 7 days or more, the payment will be 0.3% of the sum insured for one day of continuous treatment.
Threat of infection. When sucked or bitten by a tick insurance payment calculated in accordance with the actual costs incurred, which must be confirmed by the relevant documents.
Disability. In this case, the amount of the payment will depend on the age of the victim and the degree of the acquired disability.
Death. If death occurs as a result of a tick bite and infection with an infectious disease, the full sum insured is paid.
Insurance risks with the organization of medical services
Diagnostic, rehabilitation and health-improving and medical services of the hospital:
- instrumental and laboratory research;
- consultations;
- medicines and other means necessary for treatment.
- resuscitation, stay in intensive care.
Outpatient Clinical Care:
- consultations of doctors;
- removal of the tick with subsequent treatment of the wound;
- instrumental and laboratory studies, including analysis of ticks for encephalitis and borreliosis viruses, human monocytic ehrlichiosis;
- administration of immunoglobulin or a similar drug;
- reimbursement of funds spent on outpatient services and the purchase of immunoglobulin.
What to do in the event of an insured event
Policy with cash payment. In this case, if a tick bites, you should seek the appropriate medical care. After that, you need to call the selected company, report the incident and submit an application for insurance payment.
Policy with medical assistance. If you are bitten by a tick, call your insurer as soon as possible and report the incident. The consultant will help you with the choice of a suitable medical institution. After that, within three days you will need to contact the clinic chosen by the representative of the insurance company.
On the importance of the policy
Approximately half a million visits to hospitals about a tick bite are recorded per year. In several thousand cases, infection with borreliosis or tick-borne encephalitis is detected. As a rule, with timely access to a doctor, infections are treated successfully. Otherwise, they can cause serious damage to health or even death. How much the insurance will cost depends on the chosen company, terms, age of the insured and other parameters.
Help with online insurance
Is a policy purchased online genuine?
Undoubtedly. Our service shows a comparison of prices for those insurance policies that companies sell via the Internet (the policy will be sent to your email in PDF format).
How to get the original policy purchased online?
If there is such a need, it is enough for you to make one call to the insurance company and come to the office that will prompt you.
If I bought an insurance policy today, when can I use it?
Today you can buy a life insurance policy, which will take effect from the next day.
How much money will I receive if an insured event occurs?
The insurance company does not pay money immediately. Based on the results of the past treatment, upon providing all the documents, you will be compensated for all your expenses, but not more than the amount for which you were insured. Be sure to tell the insurance company as soon as something happens to you, otherwise you may not receive anything at all.
With the onset of spring, various insects are activated, among which the most dangerous are ticks. They carry more than 60 types of dangerous diseases. To help avoid incurring the costs associated with paying for medical services and purchasing medicines, tick insurance is called upon, which can be purchased at almost all popular insurance companies.
What risks does it cover
Under the insurance risk is understood the expected event, in the event of the occurrence of which insurance is bought.
Insurance risks for tick-borne encephalitis may vary depending on the individual IC, but they are usually the following:
- death of the insured person due to an infectious disease transmitted as a result of a tick bite;
- disability due to a bite;
- prolonged stay in the hospital due to the need to receive medical care.
When is the best time to insure?
Typically, tick insurance is issued for 1 year. At the end of the policy, you can issue a new one.
The entry into force of the contract is carried out after 5-10 days (depending on the insurance company) from the date of payment of the insurance premium.
The approximate period of tick activity (in central Russia) is from the beginning of April to the end of October. The peak of activity is the beginning of June. The largest number of registered appeals to medical organizations about tick bites is from mid-May to the end of June.
From the foregoing, it follows that it is better to insure yourself or your relatives (taking into account the policy's effective date) somewhere in mid-April, and next year again in the same period to purchase insurance.
At what age do children
Sberbank insurance accepts children from 3 years of age as insured persons. The maximum age of the insured citizen at the time of purchase of the policy should not exceed 65 years. Persons of any age can be insured in RESO.
With regard to other insurance companies, information of this kind is not always presented on the official websites and the Insurance Rules, so we recommend that you check it by calling the hotlines.
What help can you get
The tick insurance program provides the following medical services (or compensation for their cost, depending on the insurance contract):
- primary medical examination immediately after a tick bite;
- diagnosis of the possibility of transmission of encephalitis, borreliosis and other systemic diseases by analyzing the tick for the presence of a virus in it;
- the introduction of anti-tick immunoglobulin;
- doctor's advice.
Comparison of conditions and prices of the main insurance companies
The terms of the insurance policy and the amount of the insurance premium may vary depending on the particular insurance company. Our editors conducted their own analysis and comparison.
Rosgosstrakh
Rosgosstrakh has 3 main protection programs:
- Economy - a basic product with an insurance amount of 100,000 rubles.
- Standard - a program with an extended insurance amount of 250,000 rubles and accommodation in comfortable double or triple rooms during inpatient treatment.
- Premium - the sum insured is 500,000 rubles, medical supervision services for six months after a tick bite, the ability to insure the whole family at once.
Important! The cost of insurance depends on the region, on the number of insured persons (if a family is insured, there is a 10% discount), as well as on the selected insurance program.
Sberbank insurance
Basic conditions:
- you can buy a policy online;
- the cost of insurance for 1 year - 470 rubles (does not depend on the age of the insured and other factors);
- there is no franchise;
- the number of appeals to the insurance company during the period of validity of the insurance is not limited, but each insurance payment reduces the insurance amount (if the insurance amount reaches zero, the contract will be automatically canceled).
RESO
The main conditions of "tick" protection in RESO:
- the sum insured is 500,000 rubles;
- the price of the policy depends on the region in which it is purchased (there is no online calculator on the site, so you need to contact the nearest branch to calculate);
- insurance may provide for an unconditional or conditional deductible (clause 6.14.);
- insurance can be canceled during the “cooling off period” and the insurance premium can be returned.
Sogaz
Protection against tick bites in Sogaz is provided under collective voluntary medical insurance agreements concluded with employers in favor of their employees.
Employees under voluntary medical insurance can:
- claim compensation for expenses for medical services not covered by the CHI policy;
- at any time of the day, contact the round-the-clock assistance, which will tell you about the procedure in case of an insured event;
- ask all your questions on the number " hotline” – 8 (800) 333 – 0 — 888.
VTB Insurance
Get insurance in VTB Insurance Moscow is possible for the following periods:
- 3 months;
- six months;
- 9 months.
The cost of the policy depends on:
- its validity period;
- the number of insured persons.
Other parameters and conditions do not affect the price. For 1 person of any age, the policy will cost:
- for 3 months - 220 rubles;
- for six months - 240 rubles;
- for 9 months - 300 rubles.
AlphaInsurance
AlfaStrakhovanie operates the Antiklesh program, the sum insured for which, as a rule, for each insured person is 1 million rubles (may vary depending on the region of insurance).
Protection includes the whole range of medical services - examination with a bite, diagnosis of encephalitis, administration of immunoglobulin, etc.
The price of a policy under the Alfaklesch program in Alfastrakhovanie depends on:
- region;
- the age of the insured person.
So, for example, in St. Petersburg, annual protection for an adult will cost 250 rubles, and for a child - 190 rubles.
How to get insurance
Citizens can purchase insurance:
- at the nearest office of the insurance company;
- in online mode.
When concluding a contract online, documents are not provided. Instead, only information about the policyholder and insured persons is entered, namely:
- Date of Birth;
- passport data (series, number, date of issue, subdivision code);
- registration address;
- contact information (telephone, e-mail address).
To apply for a policy online, you need to click the banner button and fill in the calculator data. After that, you will be provided with a calculation of the cost of the policy and you can purchase it.
Offline registration provides:
- statement;
- a document proving the identity of the insured and the insured;
- at the request of the insurer - other documents (for example, confirming the absence of HIV or a disability group in the insured, as well as that he is not registered in narcological, neuropsychiatric and tuberculosis dispensaries).
What to do in case of an insured event
If a tick has bitten, the bite insurance will only help if it applies no later than 3 days after the actual bite. If you do not apply within the specified period, payment for medical services to the clinic or reimbursement of their cost will not be carried out.
Is it possible to pull out the tick yourself
It is impossible to pull out a tick at home. This must be done by a qualified person.
Attention! With an independent attempt to pull out, you can make a sharp movement, as a result of which the tick will break. And in order to study a tick for the fact of transferring infectious diseases to it, it must be alive.
Where to apply and what documents to take
If insured via the Internet, the insured must immediately contact the service company with which his insurer cooperates. Phone numbers are listed on insurance policy and, if necessary, can also be clarified by the number of the “hot line” of the UK. This procedure also applies in the case of an offline purchase of a policy.
Further, the assistance will tell you which clinic you need to contact no later than 72 hours for the analysis of the tick and the introduction of immunoglobulin and, if necessary, for hospitalization. The insurer will independently pay the invoice issued by the clinic.
If the terms of the contract provide for self-payment for services with their further compensation, then no later than the period specified in the agreement of the parties, you must contact the UK and provide the following documents:
- statement;
- general passport;
- a certificate confirming the fact of a tick bite;
- a copy of the license of a medical organization;
- an agreement with a medical institution indicating the full name of the insured, the list and cost of medical services provided;
- a sales receipt indicating the name and cost of the anti-tick immunoglobulin with the seal of the pharmacy organization, and a doctor's prescription for purchase (provided if the immunoglobulin is not in the clinic and you had to buy it yourself).