In caz de nevoie

In caz de nevoie

Se intampla ca fix in noaptea de Revelion sa fim pe plaja Otres din Cambodgia (un fel de Vama Veche a lor), iar Radu sa inceapa sa dardaie intr-un hamac, cu febra 39,8. Cand ne-a aratat termometrul s-a facut brusc gol in jurul nostru, caci toti ceilalti turisti au fugit, gandindu-se la cine stie ce boala exotica contagioasa.  Am oprit un tuc-tuc si i-am cerut sa ne duca urgent la cel mai apropiat spital, cel din Sihanoukville. Un drum de 15 minute a durat aproximativ o ora, caci tuc-tucul isi facea cu greu loc prin multimea de oameni venita sa vada artificiile. Ne-am dat seama ca trecerea dintre ani s-a produs in timp ce noi eram in drum spre spital, asa ca ne-am urat un “hai la multi ani” fara prea mare entuziasm. Eram foarte ingrijorati.

 

EN: On New Year’s Eve we were at Otres beach in Cambodia (some kind of Vama Veche of their own), when Radu started shaking in a hammock, with a fever of 39,8. When he showed us the thermometer, all of the sudden it was empty all around us, because all the other tourists ran away, afraid of some mysterious exotic disease. We stopped a tuk-tuk and asked him to take us the nearest hospital, which was the one in Sihanoukville. A 15 minutes drive took approximately one hour, because the tuk-tuk could hardly pass through the crowd gathered to see the fireworks. We realized that we went from one year to the next while on our way to the hospital, so we wished each other, without any enthusiasm, a “Happy New Year”. We were very worried.

Nu ne-am linistit nici cand am ajuns la spital, caci arata ca unul de campanie din timpul războiului. In salonul de la parter se intra direct din strada, neavand geamuri, pereti, nimic… era un open space ad litteram. In partea stanga erau 2 – 3 cabinete de termopan, unde ne-au primit pe noi, străinii. Parca se si bucurau sa ne aiba acolo.

Ne-au aratat acul, i-au luat sange, i-au facut analize. De frica probabil lui Radu i-a scazut brusc temperatura. Au vrut sa il interneze, dar nu mai aveau paturi libere si singura varianta propusa era ca pana a doua zi sa împartă patul cu altcineva. Am decis sa ne intoarcem la bungalow-ul nostru si sa revenim la prima ora pentru discutia cu medicul de garda.

Primul lucru pe care l-am facut dupa ce am ajuns la cazarea noastra si am baut cu totii cate un ceai a fost sa sun la numărul de pe asigurarea de calatorie sa anunt ca avem probleme.

Am sunat la Allianz-Tiriac si tin minte ca mi-au explicat cu calm prin telefon ce acopera asigurarea noastra, respectiv posibilitatea transferului pacientului in Thailanda pentru tratament, dar si repatriere in caz de deces. Le-am raspuns amuzata ca nu e cazul si chiar nu era, pentru ca s-a dovedit ca Radu avea o banala gripa adusa din Romania.

Ideea e ca asigurarile acestea de calatorie sunt aur in anumite situatii. Desigur, speri sa nu se intample nimic si nu pleci de acasa cu o anxietate nejustificata. Dar noua cel putin asigurarea ne da un sentiment de mare liniste.

Uitam aproape de fiecare data sa o facem din timp, asa ca de cele mai multe ori ajung sa o fac de pe telefon, pentru toata familia, in aeroport. De aceea e util sa stiu ca acum exista si o aplicatie Allianz-Tiriac Mobile. Asigurarea se face super rapid din telefon, totul e cat se poate de clar, asa ca nu exista riscul sa intarzii la poarta de imbarcare, chiar si daca o faci ca noi pe ultima suta de metri 🙂 O puteti descarca de aici pentru Android si de aici pentru IOS.

Asadar, am vrut sa scriu acest articol pentru ca tot mai multa lume calatoreste acum si isi organizeaza pe cont propriu vacantele: bilete low-cost, inchirieri masini, cazari… tot. Iar in acest tot ar fi foarte bine sa existe si o asigurare de calatorie. Noi am avut nevoie de ea pe caz de boala (in exemplul de mai sus si nu numai).

Multa lume se întreaba daca mai e utila sau nu o asigurare de acest gen de cand exista Cardul European de Sanatate valabil in spatiul Schengen. Din punctul meu de vedere, asigurarea de calatorie este in continuare extrem de utila, pentru ca acest card de sanatate nu te protejeaza suficient. De exemplu, nu acoperă asigurarea in sistemul privat. Eram in Austria pe partie cu Adela, cand o invatam cum sa se dea cu placa. Cade, isi rupe mana, vine un snowmobil, ne ia, ne duce pana la cea mai apropiata gondola, de jos ne ia o ambulanță si ne duce la cel mai apropiat spital. Eu facusem si atunci asigurarile medicale pentru toata gasca, asa ca tot eu am sunat si pentru Adela, culmea, tot la Allianz-Tiriac. Ne-au acoperit toate costurile, pentru ca Adela avea activata si clauza pentru sporturi extreme, atasata la asigurarea ei (cateva sute de euro pentru o mana in ghips), desi am aflat ulterior ca snowmobilul era de la o companie privată de sanatate.

Asadar, descarca aplicatia Allianz-Tiriac ( Android si IOS) pentru a pleca putin mai linistiti in urmatoarea calatorie. Sunt convinsa ca multi dintre voi va faceti deja planuri pentru vacanta de iarna. Corect?

In poze port: tricou Forever21, jacheta vintage (cumparata din Barcelona), blugi Uterque, botine & Other Stories, geanta umar Marc Jacobs, valize vintage.

Acest articol este sponsorizat de Allianz-Tiriac, dar continutul imi apartine in intregime. Va multumesc pentru ca sustineti brandurile care sustin acest blog.

EN: It wasn’t very calming when we got the hospital either, because it looked like one from a war zone. We entered the first room straight from the street, without any windows, walls, anything… it was literally an open space. On the left side there were 2-3 glass rooms, where they welcomed us, foreigners. They almost seemed happy to have us there.

They showed us the needle, they drew blood from him, they ran some teste. Probably because he was so scared, Radu’s fever suddenly dropped. They wanted to admit him, but they had no spare beds and the only option they gave us was for him to share a bed with someone until the next day. We decided to go back to our bungalow and return the next morning for a talk with the doctor on call.

The first thing we did after returning to our accommodation and having a cup of tea was to call the number on travel insurance and let them know that we had some problems.

We called Allianz-Tiriac and I remember they explained very calmly over the phone what our insurance covers, which was the possibility of transferring the patient to Thailand for treatment, but also bringing him back home in case of death. I answered that that really isn’t the case, and it wasn’t, because it turned out that Radu had a very common flu which he brought with him from Romania.

The idea is that this travel insurances are pure gold in some situations. Of course, you hope nothing happens and you don’t leave home with an unjustified anxiety. But we feel a certain feeling of relief when we have an insurance.  

Almost every time we forget to do it in advance, so I end up doing it on the phone, for the entire family, from the airport. That’s why I find it useful to know that there is an app for Allianz-Tiriac Mobile. You can make the insurance super quick on your phone, everything is as clear as possible, so there’s no risk of being late to your boarding gate, even if you do it right before leaving:) You can download it here for  Android and here for IOS.

So, I wanted to write this article because more and more people are travelling and organizing their vacations on their won: Low-cost flight tickets, car rentals, accommodations… everything. And this everything might as well include a travel insurance. We needed it for health reasons (like in the example above and not only).  

A lot of people wonder whether such an insurance is useful or not, now that the European Health Card is valid in the Schengen area.  If you want my opinion, I think the travel insurance is still very useful, because this card doesn’t protect you enough. For instance, it doesn’t cover the insurance and the private system. I was on a ski slope in Austria with Adela, teaching her to ride a snowboard. She falls down, breaks her hand, a snowmobile comes, picks us up, takes us to the nearest gondola, where an ambulance takes us from and takes us to the nearest hospital. I had closed the insurances for the whole gang, so I called for Adela, also Allianz-Tiriac. They covered all expenses, because Adela also had the extreme sports clause activated, attached to her insurance (a   few hundred euro for a cast), even though we found out afterwards that the snowmobile was from a private company.  

So, download the Allianz-Tiriac app( Android and IOS)  so you can go on your next trip with a peace of mind. I am sure some of you are already planning your winter vacation. Am I right?

In the pictures I am wearing: Forever21 t-shirt, vintage jacket (bought in Barcelona), Uterque jeans, & Other Stories ankle boots, Marc Jacobs shoulder bag,  vintage suitcases.

This article is sponsored by Allianz-Tiriac, but its content belongs entirely to me. Thank you for supporting the brands which support this blog.