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Tell me, we are flying from Novosibirsk in August not on a tour, is it necessary to take out tour insurance, if so, which one is better?
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I would directly advise you to do insurance. Last time we were in Phuket. The child was travanul. Bottom line: two days in a Bangkok hospital, injections, droppers, food - about 50,000 baht. (insurance covered) Insurance cost 13 thousand rubles Answer: definitely yes, unless you have an extra hundred thousand rubles in your account. This time we made insurance for three for 23,000 for a month. Took erv.
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Familiarize yourself with the prices for medical services, be horrified and buy good insurance, taking into account your individual characteristics (pregnancy, chronic diseases, etc.)
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Not necessarily. You can fly without insurance at all.