Insurance Documents and Exclusions for a Trip to Georgia

To enter Georgia, you need a valid paper or electronic insurance policy in English or Georgian. The document must specify the contracting parties, territory of coverage, subject of insurance, dates, insured risks, insured amount, premium, and payment terms.

For medical reimbursement, the policy alone is not enough. GPI also requires an identity document, Form No. 100 describing the medical assistance provided, a detailed cost breakdown, and a receipt. For emergency dental treatment, images taken before and after the service are also required.

An exclusion is a situation that the contract does not cover. It is different from a sub-limit, deductible, and prior notification requirement. All four areas should be checked before purchasing the policy.

Check the first and last name and passport number. The policy must be valid from the day of entry through the day of departure, include Georgia within its territory of coverage, and provide at least 30 000 GEL in health and accident coverage.

An electronic PDF is acceptable. Save it offline and make sure the text is readable on your screen. A payment confirmation email, bank receipt, or screenshot of your account does not replace the insurance policy itself.

If the insurer issued the document in another language, request an English or Georgian version. An automatic translation on your phone does not turn the original policy into an official document in the required language.

• the parties to the insurance contract;
• the insured person's name and identification document;
• territory of coverage;
• start and end dates;
• insured risks;
• insured amount and sub-limits;
• premium and payment terms.

In the event of an emergency, first notify the insurer and follow its instructions. At a partner clinic, direct authorisation may allow the patient to avoid paying the covered portion of the costs. If you seek treatment independently, more documents will be required.

At a non-partner clinic, ask for Form No. 100, a detailed cost breakdown, and a cash receipt. Form No. 100 should describe the diagnosis, examinations, and treatment, while the clinic's documents should identify the doctor and the medical facility.

GPI specifies a 30-day period for submitting documents after receiving services at a non-partner clinic. Do not postpone collecting them: correcting a stamp or obtaining a detailed breakdown after leaving Georgia can be more difficult.

GPI's terms list pre-existing chronic and oncological diseases, their exacerbations, and illnesses diagnosed before the trip among the exclusions. A separate, narrow provision applies to emergency assistance in cases involving an immediate threat to life, within the limits of the policy terms.

The exclusions also separately include travel for the purpose of receiving treatment, vaccination, pregnancy and childbirth, mental and psychosomatic conditions, long-term rehabilitation, alternative treatment, certain infections, and various other expenses.

The full list is longer than this article. Use this section as a guide, not as a substitute for the contract. If you have a specific medical condition, find it in the original policy terms and request a written explanation from the insurer.

The contract limits events related to alcohol, narcotic and toxic substances, intentional self-harm, and criminal activity. The circumstances of an event are just as important as the medical diagnosis.

Dangerous professional and amateur sports may not be covered. Examples include motor vehicle competitions, air sports, mountaineering, rugby, martial arts, caving, and diving.

Separate exclusions apply to war, terrorism, nuclear exposure, epidemics, environmental pollution, and natural disasters. The wording should be read in full because the same situation may be governed by several provisions.

A sub-limit restricts the amount payable for a specific service within the overall insured amount. A deductible leaves part of the expense to be paid by the client. An exclusion removes an event or expense from coverage entirely. These terms should not be used interchangeably.

Prior notification is a separate requirement. GPI requires immediate notification of hospitalisation, outpatient treatment, and dental care. Expenses incurred without notification may not be reimbursed, even if the service itself is included in the coverage.

Delayed notification is permitted when there is an objective reason supported by documents. Poor connectivity may be considered a circumstance, but the insurer will assess it. It is safer to contact the insurer as soon as possible and keep a record of your attempts to reach them.

Read the contract before paying and use the search function for terms related to your trip: chronic disease, pregnancy, sports, dental care, evacuation, age. Then check the limits and the required procedure.

After payment, compare the issued policy with the option you selected. If it contains a different limit, deductible, or coverage period, do not start your trip until the discrepancy has been explained.

Keep the contract together with the policy. A short product summary can help you choose, but when you make a claim, the insurer will assess the complete set of policy terms.

• check the mandatory details required for entry;
• find restrictions related to age and health conditions;
• check sports and planned activities;
• understand the sub-limits and deductible;
• save the assistance hotline number;
• know the list of documents required for reimbursement in advance.