| Recommendations for travel/health Insurance [message #384789] |
Mi, 03 Mai 2006 20:50 |
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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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| Re: Recommendations for travel/health Insurance [message #384792 ] |
Mi, 03 Mai 2006 21:20 |
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> 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 ?
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| Re: Recommendations for travel/health Insurance [message #384800 ] |
Mi, 03 Mai 2006 23:08 |
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On Wed, 3 May 2006 19:50:03 +0100, "tim \(back at home\)"
<tim_back_home2006 [at] yahoo.co.uk> wrote:
>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
>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
>
>
--
Barbara Vaughan
My email address is my first initial followed by my surname at libero dot it
I answer travel questions only in the newsgroup
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| Re: Recommendations for travel/health Insurance [message #384802 ] |
Mi, 03 Mai 2006 23:34 |
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"Colin Wilson" <void [at] btinternet.com> wrote in message
news:MPG.1ec312d6c016241a989749 [at] news.individual.net...
>> 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 ?
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
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| Re: Recommendations for travel/health Insurance [message #384804 ] |
Mi, 03 Mai 2006 23:45 |
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"B Vaughan" <me [at] privacy.net> wrote in message
news:ui5i52hac2m5tvqpok3gq9c7djtcrk8ntk [at] 4ax.com...
> On Wed, 3 May 2006 19:50:03 +0100, "tim \(back at home\)"
> <tim_back_home2006 [at] yahoo.co.uk> wrote:
>
>>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.
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
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| Re: Recommendations for travel/health Insurance [message #384805 ] |
Mi, 03 Mai 2006 23:49 |
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tim (back at home) <tim_back_home2006 [at] yahoo.co.uk> wrote:
[]
> 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.
--
David Horne- http://www.davidhorne.net
usenet (at) davidhorne (dot) co (dot) uk
http://homepage.mac.com/davidhornecomposer http://soundjunction.org
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| Re: Recommendations for travel/health Insurance [message #384811 ] |
Do, 04 Mai 2006 00:27 |
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In message <4bscchF12uk2tU2 [at] individual.net>, "tim (back at home)"
<tim_back_home2006 [at] yahoo.co.uk> writes
>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.
>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.
>
--
Richard Faulkner
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| Re: Recommendations for travel/health Insurance [message #384837 ] |
Do, 04 Mai 2006 11:38 |
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tim (back at home) wrote:
> 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
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.
Irma
Inviato da X-Privat.Org - Registrazione gratuita http://www.x-privat.org/join.php
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| Re: Recommendations for travel/health Insurance [message #384838 ] |
Do, 04 Mai 2006 13:26 |
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tim (back at home) wrote:
> 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..
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| Re: Recommendations for travel/health Insurance [message #384839 ] |
Do, 04 Mai 2006 15:02 |
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On Wed, 3 May 2006 22:45:35 +0100, "tim \(back at home\)"
<tim_back_home2006 [at] yahoo.co.uk> wrote:
>
>"B Vaughan" <me [at] privacy.net> wrote in message
>news:ui5i52hac2m5tvqpok3gq9c7djtcrk8ntk [at] 4ax.com...
>> On Wed, 3 May 2006 19:50:03 +0100, "tim \(back at home\)"
>> <tim_back_home2006 [at] yahoo.co.uk> wrote:
>>
>>>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.
>
>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.
--
Barbara Vaughan
My email address is my first initial followed by my surname at libero dot it
I answer travel questions only in the newsgroup
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| Re: Recommendations for travel/health Insurance [message #384843 ] |
Do, 04 Mai 2006 16:12 |
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B Vaughan wrote:
>> 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.
If you want to be taken seriously, try not acting the clown.
Irma
Inviato da X-Privat.Org - Registrazione gratuita http://www.x-privat.org/join.php
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| Re: Recommendations for travel/health Insurance [message #384847 ] |
Do, 04 Mai 2006 17:07 |
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tim (back at home) wrote:
> 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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| Re: Recommendations for travel/health Insurance [message #384848 ] |
Do, 04 Mai 2006 17:38 |
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"Irma Troll" <troll [at] troll.com> wrote in message
news:445a0bea_1 [at] x-privat.org...
>B Vaughan wrote:
>
>>> 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.
>
> If you want to be taken seriously, try not acting the clown.
> Irma
>
air ambulance could easily cost that much.
--
Tumbleweed
email replies not necessary but to contact use;
tumbleweednews at hotmail dot com
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| Re: Recommendations for travel/health Insurance [message #384857 ] |
Do, 04 Mai 2006 19:07 |
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"Irma Troll" <troll [at] troll.com> wrote in message
news:4459cb82$1_3 [at] x-privat.org...
> tim (back at home) wrote:
>> 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
>
> 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
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| Re: Recommendations for travel/health Insurance [message #384858 ] |
Do, 04 Mai 2006 19:11 |
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"B Vaughan" <me [at] privacy.net> wrote in message
news:l1tj52lsn4oovrad4raah39kkcdh36h029 [at] 4ax.com...
> On Wed, 3 May 2006 22:45:35 +0100, "tim \(back at home\)"
> <tim_back_home2006 [at] yahoo.co.uk> wrote:
>
>>
>>"B Vaughan" <me [at] privacy.net> wrote in message
>>news:ui5i52hac2m5tvqpok3gq9c7djtcrk8ntk [at] 4ax.com...
>>> On Wed, 3 May 2006 19:50:03 +0100, "tim \(back at home\)"
>>> <tim_back_home2006 [at] yahoo.co.uk> wrote:
>>>
>>>>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.
>>
>>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?
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
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| Re: Recommendations for travel/health Insurance [message #384859 ] |
Do, 04 Mai 2006 19:16 |
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"Richard Faulkner" <richard [at] estate.demon.co.uk> wrote in message
news:EjW4XJAH5SWEFwYB [at] estate.demon.co.uk...
> In message <4bscchF12uk2tU2 [at] individual.net>, "tim (back at home)"
> <tim_back_home2006 [at] yahoo.co.uk> writes
>>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?
No, that is too much. Half that is the figure I am aiming
at (halved again because I only need 5-6 months cover).
>>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.
'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.
>> 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.
OK will try.
thanks
tim
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| Re: Recommendations for travel/health Insurance [message #384860 ] |
Do, 04 Mai 2006 19:30 |
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On Thu, 4 May 2006 18:16:41 +0100, "tim \(back at home\)"
<tim_back_home2006 [at] yahoo.co.uk> wrote:
>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.
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| Re: Recommendations for travel/health Insurance [message #384862 ] |
Do, 04 Mai 2006 19:35 |
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"Jim Ley" <jim [at] jibbering.com> wrote in message
news:445a395d.8291375 [at] news.individual.net...
> On Thu, 4 May 2006 18:16:41 +0100, "tim \(back at home\)"
> <tim_back_home2006 [at] yahoo.co.uk> wrote:
>
>>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.
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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| Re: Recommendations for travel/health Insurance [message #384863 ] |
Do, 04 Mai 2006 19:45 |
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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
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| Re: Recommendations for travel/health Insurance [message #384865 ] |
Do, 04 Mai 2006 19:51 |
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On Thu, 4 May 2006 18:35:40 +0100, "tim \(back at home\)"
<tim_back_home2006 [at] yahoo.co.uk> wrote:
>> 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?
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.
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| Re: Recommendations for travel/health Insurance [message #384867 ] |
Do, 04 Mai 2006 20:27 |
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"tim \(back at home\)" <tim_back_home2006 [at] yahoo.co.uk> wrote:
>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?)
--
PB
The return address has been MUNGED
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| Re: Recommendations for travel/health Insurance [message #384879 ] |
Do, 04 Mai 2006 23:50 |
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Tumbleweed wrote:
> "Irma Troll" <troll [at] troll.com> wrote in message
> news:445a0bea_1 [at] x-privat.org...
>> B Vaughan wrote:
>>
>>>> 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.
>> If you want to be taken seriously, try not acting the clown.
>> Irma
>>
>
> air ambulance could easily cost that much.
Bollox could it, fucking troll.
Irma
Inviato da X-Privat.Org - Registrazione gratuita http://www.x-privat.org/join.php
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| Re: Recommendations for travel/health Insurance [message #384880 ] |
Do, 04 Mai 2006 23:52 |
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tim (back at home) wrote:
> "Irma Troll" <troll [at] troll.com> wrote in message
> news:4459cb82$1_3 [at] x-privat.org...
>> tim (back at home) wrote:
>>> 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
>> 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
If your times up, why not accept it and die? It'll come to you in the
end anyway.
Irma
Inviato da X-Privat.Org - Registrazione gratuita http://www.x-privat.org/join.php
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| Re: Recommendations for travel/health Insurance [message #384922 ] |
Fr, 05 Mai 2006 15:01 |
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In message <4bur7qF13bquvU1 [at] individual.net>, "tim (back at home)"
<tim_back_home2006 [at] yahoo.co.uk> writes
>> 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.
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.
--
Richard Faulkner
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| Re: Recommendations for travel/health Insurance [message #390230 ] |
Fr, 19 Mai 2006 15:32 |
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tim (back at home) wrote:
> 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.
Heavy snip
Knowing the way some insurance companies seem to operate (and use any
means at their disposal to avoid paying out) they would no doubt claim
that a spasm from your pre-existing back condition caused you to lose
your balance resulting in you falling over and breaking your leg and
therefore they were not obliged to pay out
A :-)
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