Hospital prices for UK holidaymaker with ehic card – Well being Care & Carte Vitale

Sure – she has an oxygen equipment booked along with her ticket (as per the recommendation from her GP within the UK).

I used to be charged 36€ by the pharmacy for a one-week rent of the nebuliser plus a two week provide of the bronchodilator drug prescribed. I can return unused drug packs for a full refund, and my buddy can then submit the quantity paid for a partial refund by way of the NHS.

you possibly can cellphone the secretary of the guide who’s seeing her to get the prices. They might normally be a lot decrease than say personal care within the UK as they’re all standardised for the Securité Sociale. most likely a per diem value for non surgical care in a hospital. I hope she is in a hospital (public) and never a Clinique (personal). What’s an ALD?

ALD = affection de longue durée

And given by your physician.

My journey agent bloke recommends Staysure, and I belief his judgement on most issues associated to journey.

I took out insurance coverage with them for my journey to France a few weeks in the past, and the web type did contain numerous questions on pre-existing circumstances (all of which they have been pleased with in my case – mainly hypertension and delicate bronchial asthma) so that they do ask earlier than they difficulty the insurance coverage.

It could be that the OP’s associates had extra generic journey insurance coverage (such because the “free” insurance policies that some banks and constructing societies embody when you have an account with them) the place it will be obligatory to essentially examine the small print rigorously to see if it’s match for goal.

Little question he does however my warning stands – there are numerous circumstances which they won’t cowl. These are revealed when finishing Staysure’s on-line software type.

Sure certainly they received’t cowl all the things, nor will most insurers, and you discover that out when finishing the shape – however that was additionally my level – with Staysure (and plenty of others) you possibly can’t take out their insurance coverage with out finishing the questionnaire – so that they learn about your pre-existing circumstances and the insured is subsequently not going to be left excessive and dry if one thing flares up when on vacation.

I’m guessing that the difficulty right here was a generic journey insurance coverage coverage and the insured assuming that they’d be coated for PECs.

Insurance coverage firms are infamous for wriggling out of issues, sadly you do must learn all of the small print, tedious although it’s, and ask questions if in any doubt concerning the extent of the quilt.

As I understood it, the truth that you’ve got declared pre present circumstances and been issued a coverage doesn’t at all times imply that these pre present circumstances are coated. So when you have hypertension you wouldn’t be coated for any remedy you want in reference to that however you’d be coated for issues unrelated to that. You do must look rigorously on the exclusions.

There are methods to look appropriate insurance policies, like this

Thanks for information .Happy it labored for you. However I doubt any point out of, say, coronary heart or liver points will enthral Staysure or different UK journey insurers

Few of us get to “superior” age and not using a few bits malfunctioning and the premium for journey insurance coverage escalates dramatically primarily based on age. The agressive method these journey insurance policies are offered is in battle with anticipating individuals to record all their illnesses earlier than urgent the button.

After I talked about to my pal who was CEO of AVIVA in Eire that I used to be making a declare, he laughed and mentioned good luck with that. Basically journey insurance coverage could be a rip-off. The most effective recommendation I’ve seen (too late for me and the years of wasted mulittrip insurance policies) was from Which Journey, examine the businesses pay out charges.

Aggressive? Which firms do you method?

Select an organization, declare all obligatory medical circumstances as required and pay the premium. The extra doubtless a declare the upper the premium.

It’s surprises many individuals that insurance coverage works on the premise of excellent religion and full disclosure. Why would they supply cowl for a medical situation of which they’d no data or assessed a threat?

Thanks Stella. I think it is going to be a couple of months earlier than the invoice arrives however I’ll replace the thread. Within the meantime she is far improved after her care at CHU Poitiers. They modified a few the medicine she was taking and that has been profitable. She has been again at my place (with no additional dramas) since Tuesday, and we’ll be setting off for Poitiers airport this afternoon for her return flight.

As a vacation, it was maybe too eventful…

Wishing her god velocity and an uneventful flight residence.

b33jay your religion in insurance coverage firms is really touching.

I noticed Staysure and, for older individuals, an insurance coverage organized by way of Saga get good evaluations. I grew to become cautious of Staysure after taking their annual coverage.
Out of the blue, about midway by the yr, they despatched a type demanding an replace on the well being questionnaire I’d very extensively accomplished – with principally nothing to report – when the coverage was taken out and the value for annual cowl for the yr was paid.

Particularly this mid-policy time period letter and type demanded to be told if even a GP go to had taken place because the annual coverage began – and needed to be positively confirmed even when no change/nothing new, by returning tbe signed type.

I checked the coverage and there was nothing that mentioned you needed to give any interim updates or data or affirmation. After all, you would need to should you wanted to assert. And there was no clause saying they might terminate the coverage if there was a declare or any change, and nothing about having to tell them of something through the yr that had been bought, aside from should you have been making a declare.

This jogged my memory of when halfway by a coverage yr, my UK motorcycle insurance coverage co wrote to policyholders saying they’d now not embody protection for leathers (ie your costly motorcycle using clothes) from that mid-policy yr date ahead. I advised them this protection had been priced by them and bought with the coverage and I insisted that the protection remained for the remainder of the coverage yr as bought. They backed down.

It feels like Staysure couldn’t be relied on to not attempt to change protection for somebody midyear should you talked about any change in any respect, or perhaps a GP go to even when it didn’t contain a declare, so I’d be cautious of them. However they might be the perfect of a nasty lot.

For those who do purchase from them cashback websites have been giving as much as 25%, and should you renewed their third method to attempt to get you to resume had a notable low cost

I’m travelling in the intervening time Karen however I’ll reply to b33jay once I’m again at base. After my current expertise with journey insurance coverage I believe, by and huge, it’s a rip-off, and I’m not alone