Medical insurance is an important aspect for any traveler planning a trip to Montenegro. The country attracts tourists from all over the world with its stunning beaches, mountains and cultural attractions. However, an unexpected illness or injury can spoil your vacation, and the cost of treatment abroad can be significant. In this article, we will consider what risks are covered by standard medical insurance to Montenegro.
1. Emergency medical care
One of the main reasons for taking out health insurance is to cover the costs of emergency medical care. If you get sick or injured, the insurance will cover:
- Call an ambulance.
- Doctor’s consultations and necessary medical procedures.
- Hospitalization if necessary.
- Inpatient treatment, surgeries and postoperative care.
It is important to note that insurance covers emergency medical care, not routine doctor visits.
2. Medical transportation
In the event of a serious illness or injury requiring transportation to another country or specialized medical facility, insurance may cover the costs of:
- Transportation to the nearest hospital or clinic.
- Transportation to the home country if further treatment is required.
- In some cases, a flight for a relative to accompany the patient may be included.
3. Medical evacuation
If the case is so serious that treatment cannot be provided locally, insurance will usually cover medical evacuation to your home country or another country where the necessary care can be obtained. This is especially important in remote areas of Montenegro, where access to medical facilities may be limited.
4. Treatment in case of accidents
During your holiday, active leisure activities such as swimming, water sports, hiking and cycling can lead to injuries. Medical insurance covers treatment for accidents, including:
- Fractures, sprains, dislocations.
- Bruises and cuts.
- Injuries sustained during sports or active recreation.
However, some active sports (e.g. rock climbing, diving) may require additional insurance coverage.
5. Repatriation in case of death
Although this is a very unpleasant scenario, health insurance also covers the cost of repatriating the body to the home country in the event of the death of the tourist. This includes transportation and related costs such as paperwork.
6. Outpatient treatment
Health insurance in Montenegro covers not only hospitalization, but also outpatient treatment if you see a doctor for less serious illnesses. This may include:
- Visits to the doctor.
- Laboratory tests.
- Prescribed medications.
7. Treatment of chronic diseases
Some insurance policies cover emergency treatment of chronic diseases if they worsen during your stay in Montenegro. However, it is important to carefully review the terms of your policy, as not all policies include this clause.
8. COVID-19 Relief
As the COVID-19 pandemic continues, health insurance often includes the cost of treatment and testing for the virus. Coverage may include:
- Treatment in case of COVID-19 infection.
- Hospitalization and medications.
- Transportation home if the patient’s condition worsens.
However, depending on your insurance company and terms, you may need to purchase additional coverage for COVID-19.
Important points when choosing insurance for a trip to Montenegro
- Limitations and Exclusions. Before purchasing health insurance, it is important to review the terms of the policy. Some policies may not cover risks associated with extreme sports or pre-existing medical conditions.
- Maximum coverage amount. Make sure the insurance amount is sufficient to cover potential medical expenses. For a trip to Montenegro, a minimum of EUR 30,000 is usually recommended.
- Deductible. This is the amount you will need to pay yourself before the insurance will start covering your expenses. Pay attention to its size when choosing a policy.
Conclusion
Medical insurance is a necessary tool for protection against unforeseen situations during a holiday in Montenegro. It covers basic risks such as emergency medical care, hospitalization, transportation, treatment of accidents and chronic diseases. Before purchasing a policy, it is important to carefully study its terms and conditions to ensure that all possible risks are taken into account and covered.
