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  #101  
Old 17.08.2018, 16:57
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Re: Health insurance for tourists - inadequate coverage

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Yes. At the end there is a bill and it's not that I can simply say we are not gonna pay it...they also have to proof that everything was done in order to try to get the money. If FIL will be in the position of paying the bill, he will, or else he won't. At that point the social assistance gets involved.
And the social assurance can legally claim the rest from you

Don't be happy to early.
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  #102  
Old 17.08.2018, 17:05
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Re: Health insurance for tourists - inadequate coverage

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And the social assurance can legally claim the rest from you

Don't be happy to early.


In the worst case I will pay...it is for MIL, you do everything you have to for your loved ones.
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  #103  
Old 17.08.2018, 17:10
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Re: Health insurance for tourists - inadequate coverage

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In the worst case I will pay...it is for MIL, you do everything you have to for your loved ones.
I know, still sucks tho. It's more that your post read to me like 30K will be the max for you.
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  #104  
Old 17.08.2018, 17:17
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Re: Health insurance for tourists - inadequate coverage

Yeah of course it sucks ...but I know that there are chances this might happen. Anyhow, FIL is on my side and I know if that situation arises, he will do everything he can to help me out. I will not be left alone, at least.
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  #105  
Old 17.08.2018, 17:24
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Re: Health insurance for tourists - inadequate coverage

does the FIL have the means to pay?
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  #106  
Old 17.08.2018, 17:27
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Re: Health insurance for tourists - inadequate coverage

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Yeah of course it sucks ...but I know that there are chances this might happen. Anyhow, FIL is on my side and I know if that situation arises, he will do everything he can to help me out. I will not be left alone, at least.
Well, actually FIL should pay the bill and you should be the one to help him out!
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  #107  
Old 17.08.2018, 17:34
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Re: Health insurance for tourists - inadequate coverage

If this means to sell the house where he's currently living...maybe.


I honestly don't know how it works in his country. Parents-in-law just used to come here for 3 months and that's basically what I know about them. They are an average family, he gets the pension and that's it. With the Money they were able to save, they were paying the visa and ticket to come here. Now, after the MIL's death it was not easy at all to talk to him to get the information, he was very sad because of the sudden death and then don't forget he's old and they are quite grumpy.
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  #108  
Old 17.08.2018, 17:40
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Re: Health insurance for tourists - inadequate coverage

and whats your husband doing in all this?

really, I can't stress this enough, see a lawyer!!! you are on the hook for this money, you and your husband need a reality check ASAP.

I guess you've heard the many stories of people running back to your fil's country and leaving the debts behind here, and getting away with it. That's not going to happen, they have you to come after, one way or another the bill will be paid.
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  #109  
Old 17.08.2018, 17:45
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Re: Health insurance for tourists - inadequate coverage

I will talk to the lawyer on Monday, I promise




The thing is you see the practical side of it and it's comprehensible....I see MIL and FIL's pain. That's why the difference. Believe me, I'm not a naive person.
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  #110  
Old 17.08.2018, 17:52
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Re: Health insurance for tourists - inadequate coverage

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I will talk to the lawyer on Monday, I promise




The thing is you see the practical side of it and it's comprehensible....I see MIL and FIL's pain. That's why the difference. Believe me, I'm not a naive person.
You sound really nice and very loyal to your family but be careful. Once the whole thing has settled down and you start to think about it, you need to be sure it's not going to be something that will eat away at you and eventually destroy your relationship with your FIL and, worse, your husband.

Don't be so quick to take on the debt as a way of assuaging your FIL / hubby's grief.

Looking at it as an outsider, your parents in law travelled to you ill prepared for a medical emergency. They didn't do this intentionally, I know, but that's beside the point.

If, in the future, you have to tell your kids they're going to have to go without something because the money's still a bit tight after grandma passed away, the pangs of guilt you feel may turn to resent for your MIL and FIL and the position that they've left you in.

Let a lawyer deal with it as clinically as possible and don't be afraid of standing firm over making your FIL pay his share.
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  #111  
Old 17.08.2018, 17:57
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Re: Health insurance for tourists - inadequate coverage

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...Thereafter, the hospital will send a reminder (Mahnung) to FIL in his home Country and if he's not able to pay, they will send a second reminder and then the Dept. in charge of foreign debts collection (Auslandsinkasso) will be involved...
Please be aware that this could negatively impact any future visa for FIL if he's got a Betreibung against him.

Also 100% agree with Sandrounder's post about thinking longer-term. Your family is about more than your MIL and FIL, and the decisions/actions you take now will impact your marriage and your children in one way or another.

Fingers crossed you get a good attorney on your side that can help you resolve things in the least painful way possible.
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  #112  
Old 17.08.2018, 18:02
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Re: Health insurance for tourists - inadequate coverage

also worth trying the insurance company again, assuming you've not left anything out of the story, its fairly standard for an insurance co. to see a large bill and just say no hoping you'll go away.

taking them to the ombudsman generally doesn't cost anything.

I've had several (much smaller) battles with insurance companies over the years and they have always paid eventually (sorry it was me that got portable GPS devices specifically excluded from car cover - but I got paid)
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  #113  
Old 17.08.2018, 18:06
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Re: Health insurance for tourists - inadequate coverage

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Please be aware that this could negatively impact any future visa for FIL if he's got a Betreibung against him.

I know, I'd rather have a Betreibung on him instead of myself. I told him that he surely cannot apply for VISA until the whole matter is clarified. I'll make sure he's well aware of the consequences
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  #114  
Old 17.08.2018, 18:08
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Re: Health insurance for tourists - inadequate coverage

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also worth trying the insurance company again, assuming you've not left anything out of the story, its fairly standard for an insurance co. to see a large bill and just say no hoping you'll go away.

taking them to the ombudsman generally doesn't cost anything.

I've had several (much smaller) battles with insurance companies over the years and they have always paid eventually (sorry it was me that got portable GPS devices specifically excluded from car cover - but I got paid)


Yeah, I'm still behind the travel insurance. I contacted the doctors again and want them to be involved in finding a way to make the insurance pay. They will not get rid of me easily
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  #115  
Old 05.09.2018, 17:47
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Re: Health insurance for tourists - inadequate coverage

Any news?
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  #116  
Old 05.09.2018, 18:55
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Re: Health insurance for tourists - inadequate coverage

Nope. Everything is still on-hold. The hospital is waiting for my letter, which i prepared it already but I still need to get a document that I want to attach to it and therefore I haven't sent it yet. And also because we wanted to see if the insurance company would change their decision.

Update about insurance: I am still in touch with them, now i reached the high levels and I'm in contact with the head of quality department and he seems a reasonable person. Or let's say, at least more than the other stupid officers that were not able to do their work properly. Anyway, what I agreed with him is that I will try to get a doctor report stating that it is possible that one of the illnesses she got when hospitalized was not present at the time the policy was signed. If i could get that, they will re-examine the case. It's just a try I know, but still better than nothing. The difficult part however is to get back to doctors now...now that I'm out of the hospital they are not really responsive. I contacted two doctors, one of which is on holiday right now, so let's see if he will get back to me upon his return. He was a very nice guy and helpful.
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  #117  
Old 06.09.2018, 10:55
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Re: Health insurance for tourists - inadequate coverage

Few updates


So, this morning I sent out the letter to the Hospital, as I got the last document I was waiting for just yesterday evening.

And this morning I also got the reply from one of the two hospital doctors I contacted and she wrote to me that they are discussing the possibility to issue another medical Report that could help with the insurance. I shared with them the "incriminated" policy clauses and so let's see what they come up with.
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  #118  
Old 26.03.2021, 19:21
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Re: Health insurance for tourists - inadequate coverage

Finally I am back with some updates
As some of you might remember, my MIL died in summer 2018 in Switzerland as a tourist and there still was a big open invoice. We had paid 30K. I pretty much didn't hear from them since my last post. Today I received the final response from the hospital. The nice lady told me that the social welfare authorities (sozial Behörde) paid a certain amount (she didn't say how much and I didn't ask) and the hospital decided to waive the rest. No need to say that I'm very happy being poor helped at the end . It's not that I was rich and I was hiding my money. And additionally I was lucky that I had to deal with some really nice and understanding people.

Last edited by StelladOriente; 26.03.2021 at 20:16. Reason: Just removed the last part to ensure to maintain privacy.
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  #119  
Old 26.03.2021, 19:23
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Re: Health insurance for tourists - inadequate coverage

Thanks for coming back with your update and sorry to hear about your own father passing away
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  #120  
Old 27.03.2021, 13:56
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Re: Health insurance for tourists - inadequate coverage

That's great to hear! I read the post and I was horrified about the situation you went through , really sad to have a family visit end this way...


Did the complaint against MIL's insurance advance?
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