In Macau, medical services are paid. Even for the provision of emergency emergency care, you will have to pay. Therefore, before traveling, be sure to take care of purchasing a reliable medical insurance policy.

If you have taken out medical insurance, the insurance company will organize the provision of emergency care and reimburse medical expenses in case of sudden illness and accident, medical evacuation, calls to the insurance or service company.

When applying for a medical insurance policy, the staff will inform you about what medical services you are required to provide under insurance in Macau, and how they are paid. Careless attitude to health insurance can result in large expenses in case of illness, accident or transportation of the deceased.

Examine your medical insurance policy. Remember that your health insurance only covers injuries and sudden illnesses that are not chronic. If you have an exacerbation of a chronic disease during the trip, medical insurance cannot help in this case. You will have to pay for the costs of treatment yourself.

Insurance companies guarantee the provision of all medical care abroad within a certain amount of money, called the sum insured.

Based on the amount insured and the number of days of the trip, the insurance premium is determined – the amount that you pay when buying a policy (the fewer days the trip takes, the cheaper the insurance premium).

If there is an additional risk of injury as a result of playing dangerous sports, etc. when calculating the insurance premium, a multiplying coefficient is applied.

If an insured event occurs

An insured event is an event stipulated by the insurance contract, upon the occurrence of which the insurance company has an obligation to pay insurance indemnity.

What should be the actions in Macau in the event of an insured event?

Suppose you suddenly have a fever and need urgent medical attention. In your insurance policy, you find the phone number you need to call (this is the phone number of the assisting company). The dispatcher asks for your insurance policy number, your last name, specifies where you are are, and what happened to you. After that, you name the phone number from which you are calling and wait for the doctor.

It happens that it is very difficult to establish a preliminary diagnosis, or you need an urgent medical consultation by phone – in this case, the doctor on duty of the assisting company will talk to you. According to the named symptoms, he will determine which doctor of which profile you need to be sent to.

After receiving the required medical service, you sign the bill, which will then be sent to the insurance company for payment. And don’t pay any money! The only thing you may have to pay for is a phone call. But the insurer will also reimburse these costs if you provide a paid invoice with a telephone number upon arrival.

There are cases of self-referral to the doctor. In such a situation, it is necessary to collect all the documents indicating the diagnosis and the amount paid. Upon returning to Russia, these documents must be submitted to the insurance company and within 15 days you will be reimbursed for the costs incurred.

A more serious situation is when a person goes to the hospital. Then calling the assisting company is a must! Only in this case, the victim will be guaranteed placement in a good ward, careful care, control over the course of treatment.