Recommendations for travel/health Insurance

  • Thread starter tim \(back at home\)
  • Start date

T

tim \(back at home\)

Some of you will recall that I spend my working life
travelling bi/tri weekly to other countries.

Usually when in the foreign country I rely on the health
cover supplied to me by the E101/111 forms but I have
been offered a job in a country where this doesn't apply.

So I need some travel insurance to provide me with
health cover (the rest of the package I can self insure).
I tried a couple of online ones but they had a requirement
"must have resided in the UK for the last 12 months"
which I haven't (or perhaps I have). They also had
warnings about the need to inform them of previous
medical history but then had no box in which this info
could be supplied.

I'm quite prepared to forgo cover on pre-existing
conditions but I don't want to be denied cover for
a broken leg because I didn't tell them then I've been
to the docs with a bad back.

So, does anybody know of any more flexible
insureres that will give me a reasonable quote.

TIA

tim
 
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C

Colin Wilson

Some of you will recall that I spend my working life
travelling bi/tri weekly to other countries.
IANAL etc

If the trips are work related, isn`t it down to your employer to arrange
suitable cover ?
 
B

B Vaughan

Some of you will recall that I spend my working life
travelling bi/tri weekly to other countries.

Usually when in the foreign country I rely on the health
cover supplied to me by the E101/111 forms but I have
been offered a job in a country where this doesn't apply.

So I need some travel insurance to provide me with
health cover (the rest of the package I can self insure).
I tried a couple of online ones but they had a requirement
"must have resided in the UK for the last 12 months"
which I haven't (or perhaps I have).
I've used this company in the past. I've never made a claim, so don't
know how good they are at paying up. However, they're quite good about
changing effective dates in mid-trip and things of the like.

http://www.worldwidemedical.com/home.htm

I don't think they have any residence requirements.





They also had
 
T

tim \(back at home\)

Colin Wilson said:
IANAL etc

If the trips are work related, isn`t it down to your employer to arrange
suitable cover ?
I freelance. I am responsible for my own company
stuff, the end client doesn't care less whether I have
health cover or not.

tim
 
T

tim \(back at home\)

B Vaughan said:
I've used this company in the past. I've never made a claim, so don't
know how good they are at paying up. However, they're quite good about
changing effective dates in mid-trip and things of the like.

http://www.worldwidemedical.com/home.htm

I don't think they have any residence requirements.
Interesting, thanks. (I like the way that it
costs more as one gets older, shows that they
have though about the risks properly - as I have
if I were 25 might be "taking the chance".

Though I can't understand why "including US"
jumps in cost when the policy includes a pathetic
limit on medical cover.

I would have thought that if you choose the 50K
USD limit for medical care this doesn't buy much
in any country.

tim
 
D

David Horne, _the_ chancellor of the duchy of bess

[]
Though I can't understand why "including US"
jumps in cost when the policy includes a pathetic
limit on medical cover.
This is common, simply because the cost of medical cover there is so
much more expensive. The fact there is a cap doesn't make a difference.
If you break a leg in the US, it will cost a lot more than almost
anywhere else, hence the increase in the premium.
 
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R

Richard Faulkner

"tim (back at home)" said:
Some of you will recall that I spend my working life
travelling bi/tri weekly to other countries.

Usually when in the foreign country I rely on the health
cover supplied to me by the E101/111 forms but I have
been offered a job in a country where this doesn't apply.
Have you looked at the International Health cover provided by BUPA and
AXA etc.. I have been quoted around £1,000 p.a. for non residence and
excluding the typical GP type service. Maybe you dont think this is
reasonable?
So I need some travel insurance to provide me with
health cover (the rest of the package I can self insure).
I tried a couple of online ones but they had a requirement
"must have resided in the UK for the last 12 months"
which I haven't (or perhaps I have).
I think they probably mean UK Resident, as against Non Resident, rather
than requiring that you have actually been here physically.

I also think that you will find that travel insurances tend to have
limits of around 31 days per trip/holiday and, if you will actually be
living and working there permanently, it is not "travel" insurance.
They also had
warnings about the need to inform them of previous
medical history but then had no box in which this info
could be supplied.
Give them a call and ask. I found BUPA and AXA reps. extremely helpful,
and not at all pushy.
 
T

tile

tim said:
Some of you will recall that I spend my working life
travelling bi/tri weekly to other countries.

Usually when in the foreign country I rely on the health
cover supplied to me by the E101/111 forms but I have
been offered a job in a country where this doesn't apply.

So I need some travel insurance to provide me with
health cover (the rest of the package I can self insure).
I tried a couple of online ones but they had a requirement
"must have resided in the UK for the last 12 months"
which I haven't (or perhaps I have). They also had
warnings about the need to inform them of previous
medical history but then had no box in which this info
could be supplied.

I'm quite prepared to forgo cover on pre-existing
conditions but I don't want to be denied cover for
a broken leg because I didn't tell them then I've been
to the docs with a bad back.

So, does anybody know of any more flexible
insureres that will give me a reasonable quote.

TIA

tim
Normally E101 covers all expenses also in countries where it is not
accepted. in the sense that you pay first and then yr
Medical Company will reimbourse you.. unless you are a tourist
It means you have coverage if you are abroad for working or studying
purposes.

By the way. we do not have E101 anymore. but a kind of credit card..
 
B

B Vaughan

Interesting, thanks. (I like the way that it
costs more as one gets older, shows that they
have though about the risks properly - as I have
if I were 25 might be "taking the chance".

Though I can't understand why "including US"
jumps in cost when the policy includes a pathetic
limit on medical cover.

I would have thought that if you choose the 50K
USD limit for medical care this doesn't buy much
in any country.
In the US, that might not even cover the ambulance.

I never chose such a low limit when travelling to the US. Did you
compare prices with low limit and high limit to see if the relative
difference changed much?

Maybe the cost of navigating the billing procedures is vastly higher
in the US? I remember spending so much time on the phone with doctors
and hospitals that I sometimes gave up and just paid the damn bill out
of pocket.
 
E

eetinBelgië

tim said:
Some of you will recall that I spend my working life
travelling bi/tri weekly to other countries.

Usually when in the foreign country I rely on the health
cover supplied to me by the E101/111 forms but I have
been offered a job in a country where this doesn't apply.

So I need some travel insurance to provide me with
health cover (the rest of the package I can self insure).
I tried a couple of online ones but they had a requirement
"must have resided in the UK for the last 12 months"
which I haven't (or perhaps I have). They also had
warnings about the need to inform them of previous
medical history but then had no box in which this info
could be supplied.

I'm quite prepared to forgo cover on pre-existing
conditions but I don't want to be denied cover for
a broken leg because I didn't tell them then I've been
to the docs with a bad back.

So, does anybody know of any more flexible
insureres that will give me a reasonable quote.

TIA

tim
which country ??
 
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T

tim \(back at home\)

Irma Troll said:
As with all cases of insurance, I'd recommend self-insuring if you can
afford the worst case scenario. After all, insurance companies are rarely
there for you when you need them anyway, especially when you need them for
the aforementioned worst case.
Um, can I afford to pay for open heart surgery in
a private hospital in a third world country,
let me think......

Probably not

tim
 
T

tim \(back at home\)

B Vaughan said:
In the US, that might not even cover the ambulance.

I never chose such a low limit when travelling to the US. Did you
compare prices with low limit and high limit to see if the relative
difference changed much?
Yes.

The US cost is consistently about twice the rest of the world
cost at every availble benefit level.
Maybe the cost of navigating the billing procedures is vastly higher
in the US? I remember spending so much time on the phone with doctors
and hospitals that I sometimes gave up and just paid the damn bill out
of pocket.
For a 100 Euro bill in Europe I've done that as well
but three extra zeros on the end is kind of off-putting

tim
 
T

tim \(back at home\)

Richard Faulkner said:
Have you looked at the International Health cover provided by BUPA and AXA
etc.. I have been quoted around £1,000 p.a. for non residence and
excluding the typical GP type service. Maybe you dont think this is
reasonable?
No, that is too much. Half that is the figure I am aiming
at (halved again because I only need 5-6 months cover).
I think they probably mean UK Resident, as against Non Resident, rather
than requiring that you have actually been here physically.

I also think that you will find that travel insurances tend to have limits
of around 31 days per trip/holiday and, if you will actually be living and
working there permanently, it is not "travel" insurance.
'proper' travel insurance is available for any trip length.
The cost simply multiplies up, one week is 10 pounds
26 week is about 250 pounds.

Annual insurance has a per trip limit and can cost as little
50 GBP pa.

It is suprising (or perhaps it's not) that most back-packers
think that they can get away with annual insurance for an
extended trip.
Give them a call and ask. I found BUPA and AXA reps. extremely helpful,
and not at all pushy.
OK will try.

thanks


tim
 
J

Jim Ley

It is suprising (or perhaps it's not) that most back-packers
think that they can get away with annual insurance for an
extended trip.
They do? none of the ones I've met do that I've discussed it with,
they tend to spend the ~10 or 15 quid a month average from one of the
many backpack insurance places.

they have a number of problems that likely apply to people looking for
your solution, age and the limitation to a single trip - so you cannot
pop back to the UK...

Jim.
 
T

tim \(back at home\)

Jim Ley said:
They do? none of the ones I've met do that I've discussed it with,
they tend to spend the ~10 or 15 quid a month average from one of the
many backpack insurance places.
OK perhaps I was being unfair to the group as a whole.

I have certainly seen peiple doing extended trips
discussing buying annual multi-trip insurance.
they have a number of problems that likely apply to people looking for
your solution, age and the limitation to a single trip - so you cannot
pop back to the UK...
Sorry don't understand?

tim
 
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N

Neil Pike

Tim,

Try KeyConnect (Heath Lambert) on 01924 20 7117.

No idea what their conditions are for new customers, but I don't recall being
asked too much when I bought it several years ago. The most important thing
about any insurance is whether they pay up - and I've had to make two claims
with them, one substantial (entire family skiing holiday cancelled). They've
paid up both times, quickly, and without any hassle. It will take 25 years
more premiums from me before they break back even for that, but they'll
obviously continue to get my business.

Neil Pike
Protech Computing Ltd
 
J

Jim Ley

Sorry don't understand?
The places that sell backpackers insurance - 6 months 100 quid, don't
allow you to return to the UK it must be a "single trip" and a return
to the UK ends the insurance.

Jim.
 
P

Padraig Breathnach

tim \(back at home\) said:
Um, can I afford to pay for open heart surgery in
a private hospital in a third world country,
let me think......

Probably not
I'll do a rate for you. Just don't ask about my credentials. (Now,
where did I leave that hacksaw?)
 
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R

Richard Faulkner

"tim (back at home)" said:
'proper' travel insurance is available for any trip length. The cost
simply multiplies up, one week is 10 pounds 26 week is about 250
pounds.

Annual insurance has a per trip limit and can cost as little 50 GBP pa.

It is suprising (or perhaps it's not) that most back-packers think that
they can get away with annual insurance for an extended trip.
Try www.snowcard.co.uk

they gave me cover for a 71 day sailing trip in 2004.

I think you should make it clear that it is work related with any travel
insurance company.
 
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