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Global Health Card

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  • zagfles
    zagfles Posts: 21,469 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Chutzpah Haggler
    sheramber said:
    zagfles said:
    Pollycat said:
    zagfles said:
    Pollycat said:
    jenny63_2 said:
    We are a couple in our late 70s and visit our holiday apartment in Mallorca usually five times a year always with travel insurance. A friend of ours suffered a stroke at 3 in the morning in Tenerife, called an ambulance and was taken to nearest hospital where he stayed for five days. Their insurers refused to pay the 7,500 euros bill as it was a private hospital and he had not declared a URTI three months ago, which had cleared with anti biotics. It was an emergency and his wife was unaware that the hospital was a private one and the travel insurance did not cover private hospitals. I have never heard of this before. My question is do we need travel insurance at all as we do not need cancellation, loss of luggage, repatriation etc. The Global Health card covers us for all treatment in a public hospital. My friends experience has unnerved me and with the increase for over 80s I feel it is not worth. Has anyone else had this experience with not being covered for private treatment?
    How do you know you don't need insurance for repatriation? 

    Because they go to countries that have hospitals, perhaps.  
    Repatriation:

    If you have a medical emergency during your holiday, you might need to be brought back to the UK early. This can be very expensive, but repatriation insurance can offer a helping hand.

    Key takeaways

    • Repatriation travel insurance covers the costs of getting you back home in an emergency. This can include medical emergencies, accidents, or even political unrest.

    • Repatriation can be expensive. Travel insurance helps cover these costs, which can include transport, medical attention during transport, and even an escort.
    Repatriation And Travel Insurance | MoneySuperMarket

    Would a hospital cover those costs?
    Of course it wouldn't.

    My friend's Mum fell downstairs - in Spain - and was in hospital for several weeks and was flown home in a private jet with medical staff in attendance.
    She had repatriation insurance.

    People should really understand what repatriation means and the potential cost before deciding they don't need it.
    Especially someone in their late 70s. 
    Wonder how Spanish people cope if they have an accident in Spain? Do they airlifted to the UK? OP even has an apartment there. Personally I wouldn't class repatriation insurance as "essential" whatever anecdotes you can find. I'd be happy to recover locally until I could travel home by normal means. Similar to if I had an accident in the UK 300 miles from home. 
    Repatriation would cover flying a body or ashes back to UK.

    If you had a stroke and were left medically unfit to fly independently  a repatriation flight with medical personal may be required to get you back to UK
     
    While You may be content to stay in a foreign hospital for years the OP said ‘we’. A partner may not be so happy to have to leave you there after the regulation 180 days stay allowed. 
    Years :D PP was right, this thread is getting funny with these far fetched ridiculous scenarios of being stuck somewhere for years because no travel was possible by normal means for that long. Perhaps someone has an anecdote of such a scenario? Even if you can't fly it's perfectly possible to get home from Europe by car/train/ferry etc. Same as if you were on a UK holiday. 

    As for dying abroad, just have the funeral there. It'll likely cost far less than a UK funeral which are generally a rip-off. People have weddings abroad, why not funerals?
  • marcia_
    marcia_ Posts: 3,437 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    zagfles said:
    sheramber said:
    zagfles said:
    Pollycat said:
    zagfles said:
    Pollycat said:
    jenny63_2 said:
    We are a couple in our late 70s and visit our holiday apartment in Mallorca usually five times a year always with travel insurance. A friend of ours suffered a stroke at 3 in the morning in Tenerife, called an ambulance and was taken to nearest hospital where he stayed for five days. Their insurers refused to pay the 7,500 euros bill as it was a private hospital and he had not declared a URTI three months ago, which had cleared with anti biotics. It was an emergency and his wife was unaware that the hospital was a private one and the travel insurance did not cover private hospitals. I have never heard of this before. My question is do we need travel insurance at all as we do not need cancellation, loss of luggage, repatriation etc. The Global Health card covers us for all treatment in a public hospital. My friends experience has unnerved me and with the increase for over 80s I feel it is not worth. Has anyone else had this experience with not being covered for private treatment?
    How do you know you don't need insurance for repatriation? 

    Because they go to countries that have hospitals, perhaps.  
    Repatriation:

    If you have a medical emergency during your holiday, you might need to be brought back to the UK early. This can be very expensive, but repatriation insurance can offer a helping hand.

    Key takeaways

    • Repatriation travel insurance covers the costs of getting you back home in an emergency. This can include medical emergencies, accidents, or even political unrest.

    • Repatriation can be expensive. Travel insurance helps cover these costs, which can include transport, medical attention during transport, and even an escort.
    Repatriation And Travel Insurance | MoneySuperMarket

    Would a hospital cover those costs?
    Of course it wouldn't.

    My friend's Mum fell downstairs - in Spain - and was in hospital for several weeks and was flown home in a private jet with medical staff in attendance.
    She had repatriation insurance.

    People should really understand what repatriation means and the potential cost before deciding they don't need it.
    Especially someone in their late 70s. 
    Wonder how Spanish people cope if they have an accident in Spain? Do they airlifted to the UK? OP even has an apartment there. Personally I wouldn't class repatriation insurance as "essential" whatever anecdotes you can find. I'd be happy to recover locally until I could travel home by normal means. Similar to if I had an accident in the UK 300 miles from home. 
    Repatriation would cover flying a body or ashes back to UK.

    If you had a stroke and were left medically unfit to fly independently  a repatriation flight with medical personal may be required to get you back to UK
     
    While You may be content to stay in a foreign hospital for years the OP said ‘we’. A partner may not be so happy to have to leave you there after the regulation 180 days stay allowed. 
    Years :D PP was right, this thread is getting funny with these far fetched ridiculous scenarios of being stuck somewhere for years because no travel was possible by normal means for that long. Perhaps someone has an anecdote of such a scenario? Even if you can't fly it's perfectly possible to get home from Europe by car/train/ferry etc. Same as if you were on a UK holiday. 

    As for dying abroad, just have the funeral there. It'll likely cost far less than a UK funeral which are generally a rip-off. People have weddings abroad, why not funerals?
     Again hysterical

     Take it you have never read a newspaper? 
    Where there are stories every other week of people either without insurance or not covered because they failed to declare. 
     Fell down the stairs. Had a heart attack. Or in this case https://www.express.co.uk/news/uk/1748844/British-dad-died-fall-Spain/amp
    died without insurance and no the family didn't want to bury him so far from home 
  • zagfles
    zagfles Posts: 21,469 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Chutzpah Haggler
    marcia_ said:
    zagfles said:
    sheramber said:
    zagfles said:
    Pollycat said:
    zagfles said:
    Pollycat said:
    jenny63_2 said:
    We are a couple in our late 70s and visit our holiday apartment in Mallorca usually five times a year always with travel insurance. A friend of ours suffered a stroke at 3 in the morning in Tenerife, called an ambulance and was taken to nearest hospital where he stayed for five days. Their insurers refused to pay the 7,500 euros bill as it was a private hospital and he had not declared a URTI three months ago, which had cleared with anti biotics. It was an emergency and his wife was unaware that the hospital was a private one and the travel insurance did not cover private hospitals. I have never heard of this before. My question is do we need travel insurance at all as we do not need cancellation, loss of luggage, repatriation etc. The Global Health card covers us for all treatment in a public hospital. My friends experience has unnerved me and with the increase for over 80s I feel it is not worth. Has anyone else had this experience with not being covered for private treatment?
    How do you know you don't need insurance for repatriation? 

    Because they go to countries that have hospitals, perhaps.  
    Repatriation:

    If you have a medical emergency during your holiday, you might need to be brought back to the UK early. This can be very expensive, but repatriation insurance can offer a helping hand.

    Key takeaways

    • Repatriation travel insurance covers the costs of getting you back home in an emergency. This can include medical emergencies, accidents, or even political unrest.

    • Repatriation can be expensive. Travel insurance helps cover these costs, which can include transport, medical attention during transport, and even an escort.
    Repatriation And Travel Insurance | MoneySuperMarket

    Would a hospital cover those costs?
    Of course it wouldn't.

    My friend's Mum fell downstairs - in Spain - and was in hospital for several weeks and was flown home in a private jet with medical staff in attendance.
    She had repatriation insurance.

    People should really understand what repatriation means and the potential cost before deciding they don't need it.
    Especially someone in their late 70s. 
    Wonder how Spanish people cope if they have an accident in Spain? Do they airlifted to the UK? OP even has an apartment there. Personally I wouldn't class repatriation insurance as "essential" whatever anecdotes you can find. I'd be happy to recover locally until I could travel home by normal means. Similar to if I had an accident in the UK 300 miles from home. 
    Repatriation would cover flying a body or ashes back to UK.

    If you had a stroke and were left medically unfit to fly independently  a repatriation flight with medical personal may be required to get you back to UK
     
    While You may be content to stay in a foreign hospital for years the OP said ‘we’. A partner may not be so happy to have to leave you there after the regulation 180 days stay allowed. 
    Years :D PP was right, this thread is getting funny with these far fetched ridiculous scenarios of being stuck somewhere for years because no travel was possible by normal means for that long. Perhaps someone has an anecdote of such a scenario? Even if you can't fly it's perfectly possible to get home from Europe by car/train/ferry etc. Same as if you were on a UK holiday. 

    As for dying abroad, just have the funeral there. It'll likely cost far less than a UK funeral which are generally a rip-off. People have weddings abroad, why not funerals?
     Again hysterical

     Take it you have never read a newspaper? 
    Where there are stories every other week of people either without insurance or not covered because they failed to declare. 
     Fell down the stairs. Had a heart attack. Or in this case https://www.express.co.uk/news/uk/1748844/British-dad-died-fall-Spain/amp
    died without insurance and no the family didn't want to bury him so far from home 
    Their choice. I'm going up in a firework, don't care which country. Your anecdotes aren't going to change my mind. 
  • Eldi_Dos
    Eldi_Dos Posts: 2,149 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    zagfles said:
    marcia_ said:
    zagfles said:
    sheramber said:
    zagfles said:
    Pollycat said:
    zagfles said:
    Pollycat said:
    jenny63_2 said:
    We are a couple in our late 70s and visit our holiday apartment in Mallorca usually five times a year always with travel insurance. A friend of ours suffered a stroke at 3 in the morning in Tenerife, called an ambulance and was taken to nearest hospital where he stayed for five days. Their insurers refused to pay the 7,500 euros bill as it was a private hospital and he had not declared a URTI three months ago, which had cleared with anti biotics. It was an emergency and his wife was unaware that the hospital was a private one and the travel insurance did not cover private hospitals. I have never heard of this before. My question is do we need travel insurance at all as we do not need cancellation, loss of luggage, repatriation etc. The Global Health card covers us for all treatment in a public hospital. My friends experience has unnerved me and with the increase for over 80s I feel it is not worth. Has anyone else had this experience with not being covered for private treatment?
    How do you know you don't need insurance for repatriation? 

    Because they go to countries that have hospitals, perhaps.  
    Repatriation:

    If you have a medical emergency during your holiday, you might need to be brought back to the UK early. This can be very expensive, but repatriation insurance can offer a helping hand.

    Key takeaways

    • Repatriation travel insurance covers the costs of getting you back home in an emergency. This can include medical emergencies, accidents, or even political unrest.

    • Repatriation can be expensive. Travel insurance helps cover these costs, which can include transport, medical attention during transport, and even an escort.
    Repatriation And Travel Insurance | MoneySuperMarket

    Would a hospital cover those costs?
    Of course it wouldn't.

    My friend's Mum fell downstairs - in Spain - and was in hospital for several weeks and was flown home in a private jet with medical staff in attendance.
    She had repatriation insurance.

    People should really understand what repatriation means and the potential cost before deciding they don't need it.
    Especially someone in their late 70s. 
    Wonder how Spanish people cope if they have an accident in Spain? Do they airlifted to the UK? OP even has an apartment there. Personally I wouldn't class repatriation insurance as "essential" whatever anecdotes you can find. I'd be happy to recover locally until I could travel home by normal means. Similar to if I had an accident in the UK 300 miles from home. 
    Repatriation would cover flying a body or ashes back to UK.

    If you had a stroke and were left medically unfit to fly independently  a repatriation flight with medical personal may be required to get you back to UK
     
    While You may be content to stay in a foreign hospital for years the OP said ‘we’. A partner may not be so happy to have to leave you there after the regulation 180 days stay allowed. 
    Years :D PP was right, this thread is getting funny with these far fetched ridiculous scenarios of being stuck somewhere for years because no travel was possible by normal means for that long. Perhaps someone has an anecdote of such a scenario? Even if you can't fly it's perfectly possible to get home from Europe by car/train/ferry etc. Same as if you were on a UK holiday. 

    As for dying abroad, just have the funeral there. It'll likely cost far less than a UK funeral which are generally a rip-off. People have weddings abroad, why not funerals?
     Again hysterical

     Take it you have never read a newspaper? 
    Where there are stories every other week of people either without insurance or not covered because they failed to declare. 
     Fell down the stairs. Had a heart attack. Or in this case https://www.express.co.uk/news/uk/1748844/British-dad-died-fall-Spain/amp
    died without insurance and no the family didn't want to bury him so far from home 
    Their choice. I'm going up in a firework, don't care which country. Your anecdotes aren't going to change my mind. 
    Suppose that would save you money on the catering as well as the premiums.
  • sheramber
    sheramber Posts: 22,558 Forumite
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    zagfles said:
    sheramber said:
    zagfles said:
    Pollycat said:
    zagfles said:
    Pollycat said:
    jenny63_2 said:
    We are a couple in our late 70s and visit our holiday apartment in Mallorca usually five times a year always with travel insurance. A friend of ours suffered a stroke at 3 in the morning in Tenerife, called an ambulance and was taken to nearest hospital where he stayed for five days. Their insurers refused to pay the 7,500 euros bill as it was a private hospital and he had not declared a URTI three months ago, which had cleared with anti biotics. It was an emergency and his wife was unaware that the hospital was a private one and the travel insurance did not cover private hospitals. I have never heard of this before. My question is do we need travel insurance at all as we do not need cancellation, loss of luggage, repatriation etc. The Global Health card covers us for all treatment in a public hospital. My friends experience has unnerved me and with the increase for over 80s I feel it is not worth. Has anyone else had this experience with not being covered for private treatment?
    How do you know you don't need insurance for repatriation? 

    Because they go to countries that have hospitals, perhaps.  
    Repatriation:

    If you have a medical emergency during your holiday, you might need to be brought back to the UK early. This can be very expensive, but repatriation insurance can offer a helping hand.

    Key takeaways

    • Repatriation travel insurance covers the costs of getting you back home in an emergency. This can include medical emergencies, accidents, or even political unrest.

    • Repatriation can be expensive. Travel insurance helps cover these costs, which can include transport, medical attention during transport, and even an escort.
    Repatriation And Travel Insurance | MoneySuperMarket

    Would a hospital cover those costs?
    Of course it wouldn't.

    My friend's Mum fell downstairs - in Spain - and was in hospital for several weeks and was flown home in a private jet with medical staff in attendance.
    She had repatriation insurance.

    People should really understand what repatriation means and the potential cost before deciding they don't need it.
    Especially someone in their late 70s. 
    Wonder how Spanish people cope if they have an accident in Spain? Do they airlifted to the UK? OP even has an apartment there. Personally I wouldn't class repatriation insurance as "essential" whatever anecdotes you can find. I'd be happy to recover locally until I could travel home by normal means. Similar to if I had an accident in the UK 300 miles from home. 
    Repatriation would cover flying a body or ashes back to UK.

    If you had a stroke and were left medically unfit to fly independently  a repatriation flight with medical personal may be required to get you back to UK
     
    While You may be content to stay in a foreign hospital for years the OP said ‘we’. A partner may not be so happy to have to leave you there after the regulation 180 days stay allowed. 
    Years :D PP was right, this thread is getting funny with these far fetched ridiculous scenarios of being stuck somewhere for years because no travel was possible by normal means for that long. Perhaps someone has an anecdote of such a scenario? Even if you can't fly it's perfectly possible to get home from Europe by car/train/ferry etc. Same as if you were on a UK holiday. 

    As for dying abroad, just have the funeral there. It'll likely cost far less than a UK funeral which are generally a rip-off. People have weddings abroad, why not funerals?
    Family  members  may wish to be present and not be able to travel abroad.
     
    Each to their own.

     we do see appeals in the papers for money to bring someone back to UK  who had no travel insurance.

    One recently was for money to bring a  body back to the UK for burial.

    https://www.bbc.co.uk/news/articles/cgq8vdjq378o.amp
  • sheramber
    sheramber Posts: 22,558 Forumite
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    zagfles said:
    marcia_ said:
    zagfles said:
    sheramber said:
    zagfles said:
    Pollycat said:
    zagfles said:
    Pollycat said:
    jenny63_2 said:
    We are a couple in our late 70s and visit our holiday apartment in Mallorca usually five times a year always with travel insurance. A friend of ours suffered a stroke at 3 in the morning in Tenerife, called an ambulance and was taken to nearest hospital where he stayed for five days. Their insurers refused to pay the 7,500 euros bill as it was a private hospital and he had not declared a URTI three months ago, which had cleared with anti biotics. It was an emergency and his wife was unaware that the hospital was a private one and the travel insurance did not cover private hospitals. I have never heard of this before. My question is do we need travel insurance at all as we do not need cancellation, loss of luggage, repatriation etc. The Global Health card covers us for all treatment in a public hospital. My friends experience has unnerved me and with the increase for over 80s I feel it is not worth. Has anyone else had this experience with not being covered for private treatment?
    How do you know you don't need insurance for repatriation? 

    Because they go to countries that have hospitals, perhaps.  
    Repatriation:

    If you have a medical emergency during your holiday, you might need to be brought back to the UK early. This can be very expensive, but repatriation insurance can offer a helping hand.

    Key takeaways

    • Repatriation travel insurance covers the costs of getting you back home in an emergency. This can include medical emergencies, accidents, or even political unrest.

    • Repatriation can be expensive. Travel insurance helps cover these costs, which can include transport, medical attention during transport, and even an escort.
    Repatriation And Travel Insurance | MoneySuperMarket

    Would a hospital cover those costs?
    Of course it wouldn't.

    My friend's Mum fell downstairs - in Spain - and was in hospital for several weeks and was flown home in a private jet with medical staff in attendance.
    She had repatriation insurance.

    People should really understand what repatriation means and the potential cost before deciding they don't need it.
    Especially someone in their late 70s. 
    Wonder how Spanish people cope if they have an accident in Spain? Do they airlifted to the UK? OP even has an apartment there. Personally I wouldn't class repatriation insurance as "essential" whatever anecdotes you can find. I'd be happy to recover locally until I could travel home by normal means. Similar to if I had an accident in the UK 300 miles from home. 
    Repatriation would cover flying a body or ashes back to UK.

    If you had a stroke and were left medically unfit to fly independently  a repatriation flight with medical personal may be required to get you back to UK
     
    While You may be content to stay in a foreign hospital for years the OP said ‘we’. A partner may not be so happy to have to leave you there after the regulation 180 days stay allowed. 
    Years :D PP was right, this thread is getting funny with these far fetched ridiculous scenarios of being stuck somewhere for years because no travel was possible by normal means for that long. Perhaps someone has an anecdote of such a scenario? Even if you can't fly it's perfectly possible to get home from Europe by car/train/ferry etc. Same as if you were on a UK holiday. 

    As for dying abroad, just have the funeral there. It'll likely cost far less than a UK funeral which are generally a rip-off. People have weddings abroad, why not funerals?
     Again hysterical

     Take it you have never read a newspaper? 
    Where there are stories every other week of people either without insurance or not covered because they failed to declare. 
     Fell down the stairs. Had a heart attack. Or in this case https://www.express.co.uk/news/uk/1748844/British-dad-died-fall-Spain/amp
    died without insurance and no the family didn't want to bury him so far from home 
    Their choice. I'm going up in a firework, don't care which country. Your anecdotes aren't going to change my mind. 
     It that is your choice, not everybody’s choice. 
  • Pollycat
    Pollycat Posts: 35,787 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Savvy Shopper!
    sheramber said:
    zagfles said:
    sheramber said:
    zagfles said:
    Pollycat said:
    zagfles said:
    Pollycat said:
    jenny63_2 said:
    We are a couple in our late 70s and visit our holiday apartment in Mallorca usually five times a year always with travel insurance. A friend of ours suffered a stroke at 3 in the morning in Tenerife, called an ambulance and was taken to nearest hospital where he stayed for five days. Their insurers refused to pay the 7,500 euros bill as it was a private hospital and he had not declared a URTI three months ago, which had cleared with anti biotics. It was an emergency and his wife was unaware that the hospital was a private one and the travel insurance did not cover private hospitals. I have never heard of this before. My question is do we need travel insurance at all as we do not need cancellation, loss of luggage, repatriation etc. The Global Health card covers us for all treatment in a public hospital. My friends experience has unnerved me and with the increase for over 80s I feel it is not worth. Has anyone else had this experience with not being covered for private treatment?
    How do you know you don't need insurance for repatriation? 

    Because they go to countries that have hospitals, perhaps.  
    Repatriation:

    If you have a medical emergency during your holiday, you might need to be brought back to the UK early. This can be very expensive, but repatriation insurance can offer a helping hand.

    Key takeaways

    • Repatriation travel insurance covers the costs of getting you back home in an emergency. This can include medical emergencies, accidents, or even political unrest.

    • Repatriation can be expensive. Travel insurance helps cover these costs, which can include transport, medical attention during transport, and even an escort.
    Repatriation And Travel Insurance | MoneySuperMarket

    Would a hospital cover those costs?
    Of course it wouldn't.

    My friend's Mum fell downstairs - in Spain - and was in hospital for several weeks and was flown home in a private jet with medical staff in attendance.
    She had repatriation insurance.

    People should really understand what repatriation means and the potential cost before deciding they don't need it.
    Especially someone in their late 70s. 
    Wonder how Spanish people cope if they have an accident in Spain? Do they airlifted to the UK? OP even has an apartment there. Personally I wouldn't class repatriation insurance as "essential" whatever anecdotes you can find. I'd be happy to recover locally until I could travel home by normal means. Similar to if I had an accident in the UK 300 miles from home. 
    Repatriation would cover flying a body or ashes back to UK.

    If you had a stroke and were left medically unfit to fly independently  a repatriation flight with medical personal may be required to get you back to UK
     
    While You may be content to stay in a foreign hospital for years the OP said ‘we’. A partner may not be so happy to have to leave you there after the regulation 180 days stay allowed. 
    Years :D PP was right, this thread is getting funny with these far fetched ridiculous scenarios of being stuck somewhere for years because no travel was possible by normal means for that long. Perhaps someone has an anecdote of such a scenario? Even if you can't fly it's perfectly possible to get home from Europe by car/train/ferry etc. Same as if you were on a UK holiday. 

    As for dying abroad, just have the funeral there. It'll likely cost far less than a UK funeral which are generally a rip-off. People have weddings abroad, why not funerals?
    Family  members  may wish to be present and not be able to travel abroad.
     
    Each to their own.

     we do see appeals in the papers for money to bring someone back to UK  who had no travel insurance.

    One recently was for money to bring a  body back to the UK for burial.

    https://www.bbc.co.uk/news/articles/cgq8vdjq378o.amp
    The poster you quoted has said that they are not interested in anecdotes.

    At least the OP may decide to reconsider her lack of need of repatriation cover after reading some of the replies on this thread.
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