Traveling abroad for vacation, treatment or study is becoming an increasingly common way for a considerable number of Russians to change their surroundings, receive 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, as an alternative to living in their own country, choose to live long-term as expats in various countries - some go to Thailand or Bali for the winter, while others try 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 the most civilized country in the world. And if during collective travel the travel company took care of insuring 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 is structured.

Is travel insurance necessary?

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 are provided to him in his own country. The main reasons why insurance is needed when traveling abroad:

1. Medical care in almost all countries is paid, and even in emergency cases a significant fee is required.
2. 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, naturally, costs a lot of money.
3. The insurance policy ensures that the traveler can receive financial compensation for treatment and other similar expenses when returning home.
4. Having an insurance policy for a traveler is often required when applying for a visa to many countries, especially when traveling abroad for a long stay, for example, to study. Also, many special tours, for example to mountainous areas or other areas with extreme climatic conditions, require mandatory 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.

Conditions of travel insurance in Sberbank

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

1. The first is insurance for travelers 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 - territories of the world, except for the Russian Federation and the USA; the basic amount of insurance compensation 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 card holders, for example, for those who use Platinum or Gold bank plastic cards, 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 years inclusive. Citizens older than 70 years can also be insured, but the insurer will offer individual insurance conditions and an increased rate for the insurance premium.
2. The whole family can be fully insured, including children. In this case, it is possible to insure both adult children and minors.
3. Sberbank's terms and conditions include insurance services for other relatives, provided that they are all owners and holders of bank cards of this particular bank.

How to apply for a policy

You can apply for a policy at any Sberbank branch. 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 of a future insurance policy, a traveler must know which insurance risks will be his priority and what conditions of insurance coverage he can count on.

What does travel insurance include?

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

1. Medical insurance provides for the provision of both routine 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 case of thermal injuries to the skin from sunburn, which is especially in demand for those travelers who are traveling to tropical countries for the first time.
5. Costs 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 the event of natural disasters, social unrest or military conflicts in the host country.
7. Payment for translator services, if necessary to resolve any issues, legal proceedings, or settlement of legally significant actions.
8. Payment for childcare services for minor children, if parents, due to emergency circumstances, cannot do this themselves, for example, during hospitalization in a clinic.

In addition, Sberbank insurance for traveling abroad covers expenses associated with the client’s temporary residence until he is repatriated to his homeland, as well as payment for communication services (telephone, fax, Internet access, postage) in case of need to communicate with relatives, lawyers and representatives of consular services or the Russian Embassy.

Additional options

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

1. Insurance policy "Sports" designed for clients who prefer active recreation and travel. This policy covers risks associated with sports grass, situations that may arise when using sports equipment - bicycles, motorbikes, ATVs, jet skis, etc.
2. Insurance policy "Provident" covers the risk of a traveler canceling a trip - compensation for the costs 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 compensation to the client for expenses associated with 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 focused on specific cases that the client may encounter in the host country, for example, the “Special Case” package, designed to compensate for the costs of a sudden termination of travel for reasons beyond the client’s control.

Insurance terms

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 Schengen countries this period can only be extended by 15 days.

Sample insurance policy

Despite the fact that Sberbank travel insurance covers most of the risks that any traveler may encounter, you should still follow a few simple tips to avoid becoming the cause of an insured event.

1. Plan your trip in advance, trying to find out as much information as possible about the country- social, epidemiological, climatic situation, etc.
2. Consult with doctors first, about what are the best vaccinations to get before traveling, what medications you can take with you.
3. Avoid crowded places in the host country, especially if it involves some kind of protests.
4. Use the services of licensed guides, especially in extreme natural conditions.
5. Keep valuables, money and documents in safe places if possible., in hotel safes.

In addition to these basic principles of safe stay in foreign countries, you should adhere to cultural and moral standards of behavior so as not to become a participant in an insured event.

What to do if a risk occurs

When an insured event occurs, 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 information must be written down not only in a smartphone, laptop, or notebook, but also in his passport and other places. At a minimum, there should be several such places, so that in case of a stressful situation you don’t have to look for where and how to call. The third step is, if possible, contact the employees of the consulate or embassy of the Russian Federation in the host country.

In contact with

Profitable 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 taking out an insurance policy from Sberbank of Russia, the client is guaranteed to receive the necessary urgent assistance and professional support in any unforeseen situation, be it health problems, or loss of documents or luggage.

Registration of insurance is possible both at the bank’s office and online, which makes this service even more accessible and in demand.

How to apply for an insurance policy online

Online travel insurance - safe trips abroad.‎

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

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

The first thing you need to do in order to get travel insurance is to visit the new official website of Sberbank.

Having opened the appropriate section, you should select the type of policy you are interested in. At this stage you need to indicate:

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

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

Then you should select the insurance case you are interested in and pay for the policy using a bank card. After this, the electronic insurance policy will be sent to the client at the specified e-mail.

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

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

Specifics of the cost of an insurance policy at 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 policy calculation.

How to save money on a service?

In order to reduce the price of purchasing a policy, you can use the promo code “Sberbank Travel Insurance”, which must be entered in the appropriate field. You can receive a special code by participating in various promotions, as well as ordering certain banking services.
You can find out more about all the offers 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;
• return of children and supervision of 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 basic insurance services, specialized packages of options are available to the customer, which are designed to expand the number of types of covered risks. The following packages of additional insurance services are currently available:

• Sports (protection during active sports);
• Baggage protection (in case of its loss or flight delay);
• Personal lawyer (providing legal assistance);
• Special case (insurance for early return or accidents);
• Provident (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 insurance events and policy periods;
• 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 or travel abroad, a tourist can feel safe and secure thanks to the fast and affordable registration of an insurance policy, valid in all countries of the world. Sberbank clients highly appreciate the work of the insurance company Sberbank Insurance in the most difficult situations.

Anyone who has ever applied for a visa to travel abroad has encountered issues with obtaining an insurance policy. Even an independent traveler understands that obtaining insurance is a necessity and an important point when preparing documents. The insurance company must inspire confidence and must also be confirmed as a reliable partner by the Embassy. Insurance at Sberbank is a service that has existed since 2014 and is issued to bank clients 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 paperwork that most likely will not be useful. In fact, it is the insurance policy that will help you avoid unnecessary expenses if this need does arise. Without an insurance policy, the cost of treatment abroad or seeking legal services may turn out to be unaffordable and lead to an unpleasant dead end.

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

An insurance policy will save you not only in case of minor damage, but also in case of flight delays and loss of luggage, if these options are included or are additionally paid for. 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 throughout Russia to everyone who applies for it. The client will be able to issue a policy both in the offices of partner insurance companies and in Sberbank branches, if this employee is there. Insurance is issued for citizens from 3 to 65 years of age. To do this you will need the following package of documents:

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

If you don’t have a Sberbank card, you can still get the service by applying for a Momentum express card. This can be done quickly and with a passport. This type of card is used to issue a card in person and to purchase insurance online.

Using the card, you can prepare insurance for traveling abroad for family members (up to 4 persons), including immediate relatives. Provided that the card owner himself is issued with them. Children over 14 years of age can apply for a passport separately, and children under 14 years of age only together with a parent.

You can reach the Sberbank Insurance contact service 24 hours a day, and the company has reliable partners all over the world. There are reliable partners all over the world who are ready to help. Insurance from Sberbank provides a guarantee of obtaining Schengen for the longest possible 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 apply for 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 a regular 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 out all the fields.

• Go to the payment.
• Receive the policy to your personal mailbox for printing and saving it on electronic media.

The cost of an 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 traveler's 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 visiting the victim.
• Payment for urgent messages and transportation costs.
• Dentistry.
• Loss of documents in case of damage or theft.
• Search and rescue work.
• Hotel accommodation before transportation.
• Translation services.

Travel insurance from Sberbank helps in the event of a variety of situations: loss of documents or luggage, the need for emergency medical care, etc. You can apply for insurance from Sberbank online and thus enlist the bank’s support while traveling around the world.

Advantageous offer for travel insurance from Sberbank

Travel insurance from Sberbank is valid all over the world. To use it, just contact the consular office of the host country. You can count on urgent help and support in unforeseen situations.

Applying for an insurance policy online

According to people who have already taken out an insurance policy online, the procedure for obtaining insurance is quite simple. To do this, you do not have to visit a bank branch: you can submit an application without leaving your home.
Obtaining a policy is possible not only for people who are active clients of Sberbank, but also for beginners.
To submit an application, you should go to the appropriate section on the bank’s website and fill out the form.
Step oneStep two

Step three

If desired, an insurance policy can be obtained from the nearest bank branch.

The cost of this policy

The price of the policy depends on the type and number of options. The convenient thing is that you can independently select the necessary options that may be needed abroad. After confirming and paying for your choice, an insurance policy will be sent to your email.

The registration conditions are the same for all categories of citizens.

What cases are covered by insurance compensation?

In addition to a set of options, you can choose the validity period yourself. You can order insurance from Sberbank for a specific trip, or you can take out a policy on an ongoing basis. The maximum insurance period is 365 days. While traveling, you can receive the following services:

• provision of medical care with the possibility of transportation (if necessary);
• travel expenses;
• loss of documents;
• translator's payment.

A complete list of insured events is available on the bank’s official website. The amount of compensation payments depends on the country of residence at the time of the insured event. So, in any city in Russia, the amount of compensation can reach 15 thousand dollars. Abroad, the maximum payment amount will be exactly 120 thousand dollars.

The main advantages of insurance from Sberbank

1. Fast and simple registration procedure. You can even get insurance online.
2. Choice of insured events, as well as the validity period of the policy.
3. The final cost of insurance depends on the number and type of options selected.
4. The insurance policy is made in the form of an international document, so it is accepted anywhere in the world.
5. The amount of compensation payments is quite impressive, so it should be enough to cover expenses in case of emergency situations.

conclusions

Travel insurance from Sberbank already has many grateful clients. This is evidenced by numerous reviews on the Internet. Travelers who have taken out insurance with Sberbank no longer worry about an emergency, no matter how far they travel.
The insurance policy provides protection for both the client and his family members. Insurance from Sberbank is our peace of mind and confidence on any trip.

Anything can happen on a trip, so every tour operator strongly recommends that travelers take out insurance. So, you can be sure that you will receive medical care in another country, your luggage will not be lost, and rescheduling your flight will not hurt your pocket. Sberbank offers an excellent Travel Insurance product that will make your trip carefree and calm, which is truly priceless for everyone.

Advantages and types of policy

It is suitable for visas that require a policy upon examination, protects against burns and even pays for emergency medical treatment. You can choose one of the travel insurances offered by the bank:

• 15 thousand dollars for travel around Russia
• 30, 60 or 120 thousand euros for travel to any country except Russia and the USA
• 60 or 120 thousand euros can be issued if you plan to travel around the world (not valid in Russia)

To find out the cost of the policy, you need to go to the Sberbank website, indicate the dates of departure and return, the type of policy and the amount of the client’s insurance protection.

The policy can last from 2 days to 1 year. Most importantly, a Schengen visa may require lengthy approval, so the bank may extend your policy for up to 15 days.

If you constantly travel around Russia or abroad, do not worry about the validity of your policy. Having issued it for a long period, you can travel an unlimited number of times.

An excellent bonus for existing bank clients is the “Thank you” program, which accrues up to 10% for the purchase of a policy.

What does the insurance cover?

Travel insurance pays for:

• Doctor appointments, diagnostics and dentistry
• All shipping costs
• Visits from loved ones and sending children home
• Transport costs
• Recovering lost/stolen documents
• Translation services

The client can choose additional services to his policy; there are 4 packages:

• “Prudent” saves you when your trip is cancelled.
• The baggage protection package provides compensation for delays or loss of suitcases
• “Personal lawyer” – payment for legal support
• “Special case” will help out when returning home early
• “Sports” package – a guarantee of payment for insurance in case of injury during active sports, as well as payment for lost sports equipment

How is travel insurance arranged?

You can get a policy directly on the Sberbank website; it only takes 10 minutes of time and information about the insured is at hand. The document will be sent to the specified email address. Just print it out - it is equivalent to the papers issued at the branch. So, the registration process is simple:

1. Choose the best option, countries of coverage and insurance parameters
2. Fill out the form, indicating personal data and information about the upcoming trip
3. Use your plastic card to pay for the policy
4. Receive the document by email

Even if you have purchased a package tour, Travel Insurance will come in handy along the way. The program offers ample opportunities and protects you from unforeseen situations. Under the reliable wing of Sberbank is not only your health, but also your luggage, tickets, documents and time. In short, the most important thing you get by taking out this policy is complete peace of mind during your trip. Your vacation will be perfect, and on business trips you won’t have to be distracted by trifles.