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  #21  
Old 15.08.2018, 14:42
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Re: Health insurance for tourists - inadequate coverage

Thank you all for all the kind words and helpful tips.


@Curley: they stipulated the travel insurance before coming here. However, after the travel insurance reviewed all the medical reports, they informed us that this case is not covered because it was due to a pre-existing illness. I honestly don't blame them...it's true that MIL was not properly taking care of her health and having a healthy lifestyle.

I will go through the .pdf document more accurately this evening after work. But the whole situation seems more complicated than I thought


Being just the daughter-in-law and not the daughter, I thought that I could have less responsibilities towards this huge bill.
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  #22  
Old 15.08.2018, 15:00
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Re: Health insurance for tourists - inadequate coverage

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What kind of travel insirance did you purchase?

Since our children are no longer residents of Switzerland, we try to purchase traveler insurance for them. But, now I wonder if it is enough?.?

So sorry for your loss and troubles.
Hi Susan,

they stipulated the travel insurance policy with an insurance company in their home Country. The insurance company that was dealing with this case is based in Bahrain and it's part of a Spanish Group. The package they bought was one specifically designed for Schengen area up to 90 days.

It would have covered hospitalization costs up to EUR 30'000 and actual expenses for medical repatriation or repatriation of mortal remains.

As I said above, I don't blame them for not having covered the expenses...in the policy, the exclusions were clearly mentioned. On the other side, it's not that she was very old and very sick...the only thing they were aware of was the diabetes.
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  #23  
Old 15.08.2018, 15:02
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Re: Health insurance for tourists - inadequate coverage

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Thank you all for all the kind words and helpful tips.


@Curley: they stipulated the travel insurance before coming here. However, after the travel insurance reviewed all the medical reports, they informed us that this case is not covered because it was due to a pre-existing illness. I honestly don't blame them...it's true that MIL was not properly taking care of her health and having a healthy lifestyle.

I will go through the .pdf document more accurately this evening after work. But the whole situation seems more complicated than I thought


Being just the daughter-in-law and not the daughter, I thought that I could have less responsibilities towards this huge bill.
That is a very strange insurance. So a foreign insurance uses the term "sälber gschuld"?! You should look into that (better: Have someone look into that who knows the laws). Does not sound legal to me.

You do have less responsibilities as the daughter-in-law. You are a) not related in the same sense and b) not the heir.
It's your husband who has to take the responsibility. Which will not make much difference in reality, I know.

All the best.
Would be very kind of you to post the results once it's all done. It is a subject that could be of importance to other users here.
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  #24  
Old 15.08.2018, 15:03
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Re: Health insurance for tourists - inadequate coverage

All I can say is commiserations OP, you've really had some rotten luck.
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  #25  
Old 15.08.2018, 15:09
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Re: Health insurance for tourists - inadequate coverage

I will definitely let you know how it goes...it will still take some time tho'. I'm planning to submit this form next week upon first discussing again the whole matter with the hospital.
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  #26  
Old 15.08.2018, 15:10
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Re: Health insurance for tourists - inadequate coverage

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What kind of travel insirance did you purchase?

Since our children are no longer residents of Switzerland, we try to purchase traveler insurance for them. But, now I wonder if it is enough?.?

So sorry for your loss and troubles.
Sounds like the insurers were not informed of pre existing conditions, standard for any new insurance policy you take out.
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Old 15.08.2018, 15:11
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Re: Health insurance for tourists - inadequate coverage

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That is a very strange insurance. So a foreign insurance uses the term "sälber gschuld"?! You should look into that (better: Have someone look into that who knows the laws). Does not sound legal to me.
It's standard on travel insurance small print (as opposed to general health insurance) to state that existing medical conditions must be declared.

One reason is to prevent health-tourism which is the bane of the U.K.'s NHS. and sucks up resources which should be used on locals who have paid their premiums through tax.
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  #28  
Old 15.08.2018, 15:16
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Re: Health insurance for tourists - inadequate coverage

When the parents-in-law stipulated the policy, they were not even asked about their health conditions....they were just asked to pay the fee.
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  #29  
Old 15.08.2018, 15:16
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Re: Health insurance for tourists - inadequate coverage

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I will definitely let you know how it goes...it will still take some time tho'. I'm planning to submit this form next week upon first discussing again the whole matter with the hospital.
You first might want to think of getting a proper legal overview of the current situation and the extra's you might get into with this extra form.

The numbers are huge and justify spending some money on a legal expert.
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Old 15.08.2018, 15:17
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Re: Health insurance for tourists - inadequate coverage

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Sounds like the insurers were not informed of pre existing conditions, standard for any new insurance policy you take out.
If they were not diagnosed (as OP wrote somehwere) there was nothing to inform about.
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  #31  
Old 15.08.2018, 15:29
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Re: Health insurance for tourists - inadequate coverage

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If they were not diagnosed (as OP wrote somehwere) there was nothing to inform about.
True and I don't think insurance companies should be allowed to use "pre-existing condition" as an excuse not to pay up in such cases. They're all quite happy to jump on the provide insurance to people with pre-existing conditions for a higher fee bandwagon so they shouldn't be able to cut and run when someone doesn't know they have one. Or do they expect everyone to have health check-ups every time they want to take out travel insurance?
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  #32  
Old 15.08.2018, 15:51
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Re: Health insurance for tourists - inadequate coverage

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True and I don't think insurance companies should be allowed to use "pre-existing condition" as an excuse not to pay up in such cases. They're all quite happy to jump on the provide insurance to people with pre-existing conditions for a higher fee bandwagon so they shouldn't be able to cut and run when someone doesn't know they have one. Or do they expect everyone to have health check-ups every time they want to take out travel insurance?
Well, I got my car back today. I said that I've reported the problems several times for months now, so why was the fault not detected at least in the m.o.t. checks in January? I was told: "Before the according light flashes, there is nothing we can do".
So if that's correct for cars ......
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  #33  
Old 15.08.2018, 16:05
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Re: Health insurance for tourists - inadequate coverage

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If they were not diagnosed (as OP wrote somehwere) there was nothing to inform about.
You still need to inform of issues, symptoms even if you have not seen a Dr. Insurance is based on utmost good faith, the policy holder would be at a huge advantage if he did not need to disclose.
The insurers claimed it was a pre existing condition, so the medical records must have shown this to be the case, i.e high blood pressure for many years & then a heart attack.
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True and I don't think insurance companies should be allowed to use "pre-existing condition" as an excuse not to pay up in such cases. They're all quite happy to jump on the provide insurance to people with pre-existing conditions for a higher fee bandwagon so they shouldn't be able to cut and run when someone doesn't know they have one. Or do they expect everyone to have health check-ups every time they want to take out travel insurance?
Travel insurance for old people with health issues can cost £1000 a week, the thing os people want to take a standard policy costing £29.95 & hope they will be OK.
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  #34  
Old 15.08.2018, 16:24
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Re: Health insurance for tourists - inadequate coverage

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You still need to inform of issues, symptoms even if you have not seen a Dr. Insurance is based on utmost good faith, the policy holder would be at a huge advantage if he did not need to disclose.
The insurers claimed it was a pre existing condition, so the medical records must have shown this to be the case, i.e high blood pressure for many years & then a heart attack.

Travel insurance for old people with health issues can cost £1000 a week, the thing os people want to take a standard policy costing £29.95 & hope they will be OK.
My mum is on good terms with her GP and asked if she could take the form with her for him to check that she'd included everything, which he did. With her not-so-serious health conditions, she still had to pay a policy of £225 for her trip abroad.

She'd read horror stories of insurance companies trying to wriggle out of claims based on the remotest technicalities so wanted to be sure.
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  #35  
Old 15.08.2018, 16:34
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Re: Health insurance for tourists - inadequate coverage

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When the parents-in-law stipulated the policy, they were not even asked about their health conditions....they were just asked to pay the fee.
Yup.. One could easy be caught with this.

I'm travelling with the family soon.. After reading this thread today I thought I'd take a look at some insurances. Take a look here .. Allianz will sell you a whole family policy for 355chf (premium option) which includes 1million chf in medical cover.. I went all the way through the process to the credit card page, it didn't even ask my family's names or ages never mind medical history.

Edit : Correction - it asked DOB, not name/sex/medical
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Old 15.08.2018, 16:39
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Re: Health insurance for tourists - inadequate coverage

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Yup.. One could easy be caught with this.

I'm travelling with the family soon.. After reading this thread today I thought I'd take a look at some insurances. Take a look here .. Allianz will sell you a whole family policy for 355chf (premium option) which includes 1million chf in medical cover.. I went all the way through the process to the credit card page, it didn't even ask my family's names or ages never mind medical history.
Doesn't your health insurance already cover you? I know that most don't cover for the US, and you have to take out a US supplement, but for illness your health insurance should cover you worldwide.

We don't have fancy-pants health insurance but ours is global (except US). Work covers us for global accident insurance, and for the none-workers of the family, the accident insurance is supplemental to the health policy.
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  #37  
Old 15.08.2018, 16:42
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Re: Health insurance for tourists - inadequate coverage

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Doesn't your health insurance already cover you? I know that most don't cover for the US, and you have to take out a US supplement, but for illness your health insurance should cover you worldwide.

We don't have fancy-pants health insurance but ours is global (except US). Work covers us for global accident insurance, and for the none-workers of the family, the accident insurance is supplemental to the health policy.
Yes.. We're fully covered medically, including US where we're going.

We're not fully covered for cancellation, losses, car hire excess etc. Hence this thread got me looking again generally.
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  #38  
Old 15.08.2018, 16:50
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Re: Health insurance for tourists - inadequate coverage

A quick update: I just got a call from the hospital and we agreed to meet on this Friday. (JFYI: it's been already 6 weeks that MIL died...)


The lady on the phone was very nice and she also mentioned to me the amount of Sfr. 30'000.- that one is expected to pay. She said, let's meet and we will see which options are available for you not to pay the whole amount.
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  #39  
Old 15.08.2018, 19:04
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Re: Health insurance for tourists - inadequate coverage

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It's standard on travel insurance small print (as opposed to general health insurance) to state that existing medical conditions must be declared.

One reason is to prevent health-tourism which is the bane of the U.K.'s NHS. and sucks up resources which should be used on locals who have paid their premiums through tax.
What's the UK got to do with this? Non-EUs don't need to show health insurance when applying for a UK visa since emergency treatment is free on the NHS regardless of residence status.

Also is the NHS not for locals who don't pay tax?
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  #40  
Old 15.08.2018, 19:20
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Re: Health insurance for tourists - inadequate coverage

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What's the UK got to do with this? Non-EUs don't need to show health insurance when applying for a UK visa since emergency treatment is free on the NHS regardless of residence status.

Also is the NHS not for locals who don't pay tax?
Thats no longer totally accurate, the rules changed in 2017

https://www.myhealth.london.nhs.uk/i...rseas-visitors
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