Every traveler must have medical insurance.

The minimum duration of insurance for a trip to Kiribati is 1 day. This is true in cases where you have already received an entry permit. To obtain a visa, you must take out travel insurance for the entire period of its validity. The number of insured days per year can be: 30, 45, 60, 90, 180, 365. You can also issue an annual policy for an unlimited number of trips, not more than 90 days each.

The requirements that an insurance policy for traveling abroad must meet are as follows:
the minimum amount of coverage for medical expenses cannot be less than 30,000 euros;
the policy must cover the entire period and territory of stay;
There should not be a franchise in the policy.

It is recommended to make insurance no later than 5 days before departure.

The basic insurance option covers the following cases:

Payment for ambulance services and delivery of the insured to the hospital (to the doctor);
Outpatient and inpatient treatment within the amount of insurance coverage;
Transportation to the state of permanent residence in case of urgent need;
Reimbursement of funds spent on the purchase of medicines;
Reimbursement of funds spent on phone calls to the assistance company;
Repatriation of the body and remains.

Insurance does not cover:
treatment of chronic diseases;
treatment of poisoning and injuries that occurred before the entry into force of the insurance contract;
treatment of sexually transmitted diseases;
treatment of mental illness and trauma resulting from exacerbations of mental illness.

Insurance events that occur as a result of:
a traffic accident, if the insured was driving without a license, or turned out to be a violator of traffic rules;
alcohol, toxic or drug intoxication of the insured;
terrorist attacks, popular uprisings, riots, strikes, coups, etc.;
hostilities, nuclear explosion, use of other weapons of mass destruction or exposure to radiation;
other reasons that were valid before the purchase of the health insurance policy.

Additional insurance

The basic insurance option does not cover the treatment of chronic diseases, organization search and rescue activities, insured events that occurred as a result of alcohol, etc. Чтобы расширить стандартную медицинскую страховку соответствующими опциями, следует отметить необходимые поля в разделе «Additional insurance». For example:

Accident insurance. Upon the occurrence of an insured event, the insurance company will pay the insured person monetary compensation in the amount predetermined by the payment table. The amount of compensation depends on the severity of the injury – the greater the damage, the greater the amount of the payment.

Civil liability insurance. In the event of unintentional damage to the property of a third party or causing harm to his health through negligence, the insurance company will pay all the expenses of the insured arising as a result of the claims filed against him.

Relief of exacerbation of chronic diseases. The service allows you to avoid additional costs for the purchase of necessary drugs. In case of serious health problems caused by an exacerbation of a chronic disease, the insurance company will pay for the required medical services.

Help with sunburn. Sunburn isn’t just for a beach holiday, so it’s a good idea to add this option to your standard health insurance.

Legal assistance. In case of inadvertent violation of local laws (accident due to the fault of the insured, violation of public order, customs control rules, etc.), the insurance company will pay for the services of a qualified lawyer or provide legal assistance.