Although a trip to Montenegro looks to be interesting and full of vivid impressions, it is advisable to take advance care of your safety to help you avoid uncomfortable circumstances. For Russians particularly, one of the main components of getting ready for a trip is medical insurance. Montenegro does not offer free medical services to visitors, thus lack of insurance could lead to large costs should one become sick or injured. This article will discuss the risks covered by medical insurance to Montenegro as well as the required points to take into account while seeking for it.

For what reason should Russians in Montenegro have health insurance?

For Russians entering Montenegro, medical insurance is absolutely required. It offers financial defense should you need medical attention while on travel. All medical services—including doctor visits, hospital stays, diagnostics and treatment—will be paid for without insurance, and their cost might much surpass expectations. A basic visit to a therapist can run several hundred euros, and in the case of a major injury or illness the expenses may run to several thousand euros.

In Montenegro, what risks is health insurance covering?

Russian medical insurance available in Montenegro typically covers the following risks:

• Emergency medical treatment refers to doctor consultations, diagnosis and treatment in response to illness or injury.
• Coverage of costs for the hospital stay, surgical operations, and post-operative treatment.
• Medical transportation: trip to home country or, should it be needed, to a hospital.
• Repatriation: Should death strike, the insurance will pay for the expenses of returning the body back to the native nation.
• Outpatient treatment consists in doctor visits, laboratory tests, prescription writing, drug purchase.

Furthermore included in some insurance policies could be medical assistance for active sports or treatment for chronic disease flare-ups.

Current reality and Covid coverage

Many insurance companies have included coverage for COVID-19 treatment and testing in their policies in response to the continuing epidemic. If you start symptoms or need testing to get home, this can be beneficial. Policies featuring COVID coverage could call for the following services:

• COVID-19 testing payment schedule.
• In case of disease, treatment and hospitalisation.
• Coverage of quarantine expenses, should they be needed.

Make sure your policy covers COVID-19 before you buy insurance since it might be a bonus feature.

Extreme recreation and sports

Along with a laid-back beach vacation, Montenegro offers active leisure pursuits including rafting, water sports, and mountain climbing. Standard insurance might not cover the hazards involved in extreme sports, should you intend to participate in them. In this situation, it is advised to get long-term insurance including policies pertaining to extreme sports.

Standard policies may exclude some outdoor activities; thus, be sure your insurance company includes them before you buy insurance.

Franchise: what is it and how would it influence insurance?

Before the insurance company will cover the remaining expenses, a traveler must pay a deductible—that is, the amount they must pay on their own in case of an insured event. Usually less expensive, policies with a deductible will cause you to pay for some of the treatment should you seek medical attention. Should the deductible be 100 euros, for instance, you will pay these 100 euros when visiting a doctor; the insurance company will then cover the remaining expenses.

Remember that if you choose insurance with a deductible, you will have to pay more out of pocket should you have little doctor visits. Choose policies free of a deductible if you wish to avoid such circumstances.

How one should decide on the appropriate insurance?

Russians should give several crucial factors top priority while selecting medical insurance for a trip to Montenegro:

1. Insurance company standing: Select reliable insurance firms with stellar ratings who offer 24-hour support and are ready to react quickly to insurance claims.
2. Coverage: One should pick a policy with at least 30,000 euro coverage. Including hospitalization and transportation, this is the lowest amount needed to offer fundamental medical treatments.
3. Extra Coverages: Make sure your policy includes these choices if you intend to participate in active recreation or wish more Covid coverage.
4. Travel duration: insurance has to cover your stay in Montenegro whole.

What should one do in Montenegro should an insured event occur?

Use these guidelines if you require medical attention on route:

• At the number your policy lists, phone the insurance company. The operator will advise you on how to behave in your circumstances and which medical institution to get in touch to.
• Save all of your treatment-related records—bills, statements, prescription drugs. They might be needed for reimbursement of costs.
• Should you have to pay for treatment personally, seek for reimbursement when you get back to Russia.

Any trip abroad, particularly to Montenegro, requires medical insurance as a basic need. It gives Russians financial protection in case of unanticipated events and lets them get high-quality medical treatment free from major cost. Review the policy’s terms thoroughly to be sure it covers all possible risks before buying insurance.