Z jaką polisą pojedziemy na wakacje w 2022 r.?

Z jaką polisą na wakacje 2022
  • Wakacyjne miesiące przynoszą około 40% więcej przypadków pomocy posiadaczom polis turystycznych w razie kłopotów ze zdrowiem.
  • Oferowane w tym sezonie umowy różnią się od tych sprzedawanych przed pandemią. Popularność zdobyło ubezpieczenie rezygnacji i opcje chroniące przed skutkami COVID-19.
  • Choć pandemia wygasła w Polsce, to na świecie wciąż notuje się ponad 0,5 mln przypadków nowych zachorowań dziennie.
  • Podróżując Europejską Kartą Ubezpieczenia Zdrowotnego, warto mieć polisę turystyczną, żeby zapewnić sobie m.in. pokrycie kosztów transportu medycznego. Nawet w Europie sięgają one 40-100 tys. zł

Wraz z opadaniem fali pandemii Polacy zaczęli więcej podróżować i częściej prosić o pomoc w razie kłopotów ze zdrowiem za granicą.

W ciągu pierwszych pięciu miesięcy tego roku dziennie pomagaliśmy nieco ponad 92 osobom dziennie. Dla porównania w analogicznym okresie ubiegłego roku było to przeciętnie 48 osób. Widać więc, że powoli zapotrzebowanie na naszą pomoc za granicą po chorobie czy wypadku rośnie. W pandemii widać było drastyczny spadek tych wartości, bo klienci dużo mniej podróżowali. Wystarczy powiedzieć, że w samym 2019 r. zanotowaliśmy łącznie około 82 tys. interwencji zrealizowanych dla posiadaczy naszych polis turystycznych. Tymczasem od stycznia 2020 do maja 2022 r., czyli w ciągu niemal 2,5 roku, zbliżyliśmy się do 79 tys. przypadków – mówi Ludmiła Opałko, z Mondial Assistance.

Jakiej pomocy potrzebujemy i gdzie?

Mondial Assistance spodziewa się, że w wakacyjnym okresie, czyli od czerwca do sierpnia będzie pomagać grubo ponad 100 osobom dziennie. Najbardziej miarodajne, przed pandemiczne statystyki z 2019 r. pokazują bowiem, że w trzech letnich miesiącach, czyli czerwcu, lipcu i sierpniu, notuje się średnio miesięcznie około 40% więcej próśb o pomoc niż w pozostałych miesiącach roku.

Z danych Mondial Assistance za ostatnie 12 miesięcy, czyli od maja 2021 r. do maja 2022 r. wynika, że najczęściej prosimy o pomoc medyczną z polisy turystycznej w krajach, które są najbardziej popularnymi miejscami wypoczynku.

Łącznie 60% ogółu przypadków pomocy medycznej przypada na trzy kraje: Egipt, Turcja i Grecja. W czołówce są też takie destynacje jak Wyspy Kanaryjskie, Bułgaria, Dominikana, Baleary, Cypr, Wyspy Zielonego Przylądka i Meksyk – wylicza Ludmiła Opałko, z Mondial Assistance.

Najczęściej pomocy medycznej potrzebujemy w przypadku nagłego zachorowania – to 82% przypadków notowanych przez Mondial Assistance w okresie od maja 2021 do maja 2022. Wsparcia po wypadku dotyczyło 17% ogółu interwencji.

Z jaką polisą turystyczną pojedziemy w tym roku?

Polisy podróżne, z którymi pojedziemy na wakacje w 2022 r., zdecydowanie będą różniły się od tych, które kupowaliśmy przed pandemią, czyli w 2019 r.

Przede wszystkim teraz standardem stało się objęcie skutków COVID-19 w zakresie kosztów leczenia, choć nadal warto sprawdzać przed zawarciem umowy czy obejmuje ona to ryzyko. Dodatkowo klienci dużo chętniej rozszerzają zakres ochrony o ubezpieczenie na wypadek rezygnacji z wymuszonej jakimś nieszczęśliwym zdarzeniem czy zachorowaniem, również na COVID. Pojawiają się już oferty, które przewidują możliwość zwrotu kosztów wycieczki w sytuacji zamknięcia granic kraju docelowego w związku z wprowadzonymi obostrzeniami wyjazdowymi. To wciąż rzadkość na rynku, więc warto przy zawieraniu umowy dokładnie sprawdzić, czy oferowana nam umowa przewiduje taką sytuację – mówi Ludmiła Opałko z Mondial Assistance.

Coraz popularniejsze polisy od rezygnacji

Najczęściej przyczyną odwołania wyjazdu czy wcześniejszego z niego powrotu jest nagłe zachorowanie uczestnika lub jego nieszczęśliwy wypadek. Nieco rzadziej podstawą do uruchomienia takiej polisy są np. kradzież pojazdu, dokumentów niezbędnych w podróży, czy zalanie lub pożar mieszkania. Warto sprawdzić jaki jest zakres w danej umowie, bo w niektórych firmach ta lista jest dość długa i obejmuje np. 17 sytuacji. Są też rozwiązania oparte na formule all risk, w których ubezpieczyciel odpowiada za wszystkie przypadki, których wyraźnie nie wyłączył w umowie.

– Zasadniczo są to różne sytuacje nagłe, niespodziewane i niezależne od klienta. Oznacza to, że nie możemy po prostu zmienić zdania i nie jechać na wycieczkę do Egiptu, bo wolimy jednak wyprawę do Hiszpanii lub wypoczynek na działce znajomych  – mówi Ludmiła Opałko.

Z obserwacji Mondial Assistance wynika też, że pandemia przekonała Polaków do zalet tego ubezpieczenia i chętniej kupują je, nie tylko rezerwując wycieczki w biurze podróży, ale też samodzielnie rezerwując sobie hotel czy bilety lotnicze. Coraz częściej też w ten sposób zabezpieczają się uczestnicy szkoleń, warsztatów czy kursów. Taka polisa może obejmować również rezygnację z wynajmu auta, czarteru jachtu, a nawet biletów wstępu do parku rozrywki.

COVID-19 nie zniknął!

Choć w Polsce pandemia w ostatnich tygodniach wyhamowała, to na świecie, w różnych krajach wciąż jest to poważny problem. Tylko 10 czerwca na całym świecie zanotowano niemal 576 tys. przypadków, z czego 136 tys. przypadło na lidera zestawienia, czyli Stany Zjednoczone. Drugi w smutnym rankingu był Tajwan 68 tys. przypadków. Niewiele mniej, bo 65 tys. nowych zachorowań, było u naszych zachodnich sąsiadów. Dla porównania w Polsce było tego dnia niecałe 250 nowych zachorowań. Warto więc pamiętać o ubezpieczeniu, które pokryje ewentualne koszty leczenia czy transportu medycznego, jeśli za granicą „złapiemy” koronawirusa.

Jak może przydać się wtedy polisa turystyczna? Jeśli za granicą poczujemy cię źle, możemy wezwać lekarza np. do hotelu czy udać się do placówki w pobliżu miejsca naszego pobytu. Bo zbadaniu może się okazać, że objawy wskazują na CVOID-19.

Ubezpieczenie podróżne oczywiście gwarantuje organizację i pokrycie kosztów wizyty lekarskiej oraz samego testu COVID, jeśli jego wykonanie wiąże się z wydatkami – wyjaśnia Ludmiła Opałko.

Jeśli test był pozytywny, będziemy zmuszeni do pozostania w hotelu lub innym miejscu wyznaczonym przez lokalne władze sanitarne w tzw. izolacji. Może się też okazać, że będziemy musieli z tego powodu zostać za granicą dłużej i samodzielnie kupować np. nowy bilet lotniczy. Dlatego dobrze, żeby umowa ubezpieczenia przewidywała pokrycie kosztów z tym związanych. Jeśli będziemy przechodzili chorobę ostrzej, to w przypadku pandemii leczenie jest organizowane przez państwo i przez nie pokrywane są wszystkie koszty. Jednak jeśli tylko pojawiają się jakieś dodatkowe wydatki, to mogą być one pokrycie z ubezpieczenia kosztów leczenia.

Kosztowny transport medyczny

COVID-19 przynosi też czasem negatywne skutki w postaci zaostrzenia się istniejących chorób przewlekłych lub uszkadza zdrowe wcześniej narządy. Może się więc zdarzyć, że objawy wirusa ustąpią, ale będziemy musieli być dalej leczeni. W takiej sytuacji może pojawić się konieczność przewiezienia nas do Polski transportem medycznym. Szczególnie jeśli wymagana jest asysta medyczna. A to zdarza się zarówno w przypadku poważniejszych chorób, jak i nieszczęśliwych wypadków. Warto podkreślić, że jeśli jedziemy do krajów UE i mamy tzw. Europejską Kartę Ubezpieczenia Zdrowotnego, to możemy korzystać z publicznych placówek na zasadach obowiązujących w danym kraju. Nie będziemy mogli jednak liczyć na pokrycie kosztów transportu medycznego.

Z naszych doświadczeń wynika, że w poważniejszych przypadkach, w Europie te koszty zamykają się kwotami rzędu 40-50 tys. zł, choć są też przypadki, gdy zbliżają się do 100 tys. zł. Na przykład transport air-ambulansem z Wysp Kanaryjskich, kosztował prawie 100 tys. zł. W innym przypadku transport z Kanady kosztował ponad 180 tys. zł, a z Kenii 225 tys. zł. Realizowaliśmy transport klienta, który zapadł na chorobę wysokościową w górach w Kolumbii. Kosztowało to prawie 400 tys. zł. Dlatego dobrze wybierać ubezpieczenie, które pokrywa te koszty bez względu na ich wysokość, a jednocześnie nie pomniejsza sumy ubezpieczenia na koszty leczenia  – wylicza Ludmiła Opałko.

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