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  #41  
Old 15.08.2018, 19:58
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Re: Health insurance for tourists - inadequate coverage

Even booking a flight with a credit card will give insurance coverage...
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  #42  
Old 15.08.2018, 20:07
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Re: Health insurance for tourists - inadequate coverage

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Even booking a flight with a credit card will give insurance coverage...
That insurance won't cover pre existing conditions.....
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  #43  
Old 15.08.2018, 20:07
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Re: Health insurance for tourists - inadequate coverage

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Even booking a flight with a credit card will give insurance coverage...
Yep, that's what I used to do it for.
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  #44  
Old 15.08.2018, 21:57
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Re: Health insurance for tourists - inadequate coverage

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That insurance won't cover pre existing conditions.....

Is rampant alcoholism a pre-existing condition or developing condition ?
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  #45  
Old 15.08.2018, 22:41
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Re: Health insurance for tourists - inadequate coverage

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That insurance won't cover pre existing conditions.....
All it has to pay is them keeping me alive until Rega fetches me home.
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  #46  
Old 16.08.2018, 00:18
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Re: Health insurance for tourists - inadequate coverage

Still might want to talk to a layer first.
30k is real money.

I think I'd faint if I was presented with a 80k bill.

Going after the insurance will probably be pretty useless, unless they have a presence in Europe.

So, you might actually be on the hook for those 30k.

My guess is that they'll suggest a payment plan over up to three years in that meeting if you indicate you can't or don't want to cough up the full amount at short notice.


Thanks for alerting us to this issue.
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  #47  
Old 16.08.2018, 09:48
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Re: Health insurance for tourists - inadequate coverage

I am not so bothered to pay 30K because as FIL is still alive, we want to be in the position to invite him back to Switzerland... so the reason for paying this amount is basically for him to come back here and give him the possibility to visit the grave of his wife.

Actually when i saw the invoice, I was relieved...because as a matter of fact, when MIL was still alive, doctors were telling us that the invoice was around 200'000.-
I was a bit pissed on them when i saw the bill because i felt like cheated as we took some decisions related to MIL thinking of that amount... anyway, that's life, it was her time to die so it's fine whatever happened.

At first, the hospital suggested a payment plan...They proposed me to make a contract where we agree how much I will pay each month...I told them instead to give me other options and that is what will be discussed tomorrow. The lady asked me to get informed about how FIL can demonstrate in his home country that he doesn't have this money, i.e. I need to tell her which authorities can attest this.
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  #48  
Old 16.08.2018, 10:01
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Re: Health insurance for tourists - inadequate coverage

OK.


I see you had a lot of decisions to make, with very deep consequences.

None of us would have wanted to be in your shoes.

Good luck.
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  #49  
Old 16.08.2018, 11:12
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Re: Health insurance for tourists - inadequate coverage

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OK.


I see you had a lot of decisions to make, with very deep consequences.

None of us would have wanted to be in your shoes.

Good luck.



Sure, but you have to be aware of the consequences of documents you sign and this is a very good example of this.
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  #50  
Old 16.08.2018, 11:13
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Re: Health insurance for tourists - inadequate coverage

Does anyone know what happens if OP cannot pay the full bill (or her FIL)?

I can´t imagine a hospital just forfeiting the invoice....
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  #51  
Old 16.08.2018, 11:54
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Re: Health insurance for tourists - inadequate coverage

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All it has to pay is them keeping me alive until Rega fetches me home.
From Rega:

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In grateful acknowledgement of patrons' support, Rega can, at its own discretion and within the bounds of its resources, waive or reduce the costs of any emergency services that it has provided or organised on their behalf, in the event that insurance companies or any other third party are not liable to pay and thus not required to reimburse the costs of the rescue operation, whether wholly or in part.

Not exactly specific in it's exclusions, is it?

I've got Rega membership as well but I appreciate it's not insurance.
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  #52  
Old 16.08.2018, 11:58
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Re: Health insurance for tourists - inadequate coverage

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From Rega:




Not exactly specific in it's exclusions, is it?

I've got Rega membership as well but I appreciate it's not insurance.
It's pretty standard wording. They'd be leaving themselves wide open to abuse without that.
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  #53  
Old 16.08.2018, 12:31
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Re: Health insurance for tourists - inadequate coverage

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It's pretty standard wording. They'd be leaving themselves wide open to abuse without that.
Exactly. That's my point. If an insurance company decides not to pay out, they'll find a way.
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  #54  
Old 16.08.2018, 13:41
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Re: Health insurance for tourists - inadequate coverage

Somebody posted a pdf yesterday and according to that it seems that the Social assistance will be involved. But this only after the hospital has tried all other ways to get their money (travel insurance, heirs, sponsor, etc.). I have printed that pdf and will bring that tomorrow to the meeting.
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  #55  
Old 16.08.2018, 15:01
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Re: Health insurance for tourists - inadequate coverage

Depends very much on your and OH's income, and if you have assets (cars, art) or are houseowners- and of course on your FIL's financial situation as well as above criteria.
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  #56  
Old 16.08.2018, 15:15
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Re: Health insurance for tourists - inadequate coverage

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Depends very much on your and OH's income, and if you have assets (cars, art) or are houseowners- and of course on your FIL's financial situation as well as above criteria.
And future lifetime earnings, inheritance or lottery winnings, todays situation is just a starting point for unpaid debts in C.H.
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  #57  
Old 16.08.2018, 15:41
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Re: Health insurance for tourists - inadequate coverage

Thank you all for your inputs.


I really hope they will not go behind me and all my current and future earnings...I am not a person attached to money, but I do have two young kids and having some savings it's always reassuring .

I am a very practical person and I manage to cope with the whole situation, but FIL is an old man and it's been such a difficult period for him...When MIL was in the hospital, we were even scared that he might have a heart attack too and join MIL in the hospital

Anyway, I'll try to get as much as possible information tomorrow to understand all the implications.
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  #58  
Old 16.08.2018, 15:50
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Re: Health insurance for tourists - inadequate coverage

They will need evidence of bank accounts, savings, assets and house ownership, for you and OH and FIL.

My brother lost his inheritance to Social Services, after he returned from his world adventures. Bonne chance- this must be so stressful for all.
Such a shame you didn't come to EF before your OH signed the paper- as many have done in the past- so that consequences could be clearly explained- again as EF has done often.
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  #59  
Old 16.08.2018, 16:01
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Re: Health insurance for tourists - inadequate coverage

We have not signed any paper yet from the hospital
If we are talking about the invitation letter, yes I signed that but it was 6 months ago so that parents-in-law could come here.

Last edited by StelladOriente; 16.08.2018 at 16:22.
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  #60  
Old 16.08.2018, 16:37
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Re: Health insurance for tourists - inadequate coverage

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We have not signed any paper yet from the hospital
If we are talking about the invitation letter, yes I signed that but it was 6 months ago so that parents-in-law could come here.
It does not matter when you signed, it matters that you signed it.
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