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Old 27.03.2021, 13:04
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Re: Health insurance for tourists - inadequate coverage

No chances with the insurance company...I tried everything with them already in 2018 but they didn't pay anything on the basis that it was a pre-existing condition, even though MIL was not aware of it.
Now thankfully the matter has been settled with the hospital. It is definitely a big relief for us.
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  #122  
Old 27.03.2021, 15:25
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Re: Health insurance for tourists - inadequate coverage

What a story! I had not read your post back then but read through now and has made me think to ensure we have the long terms travel/health insurance coverage from when young and healthy so that insurances cannot muck about.
You were strong and brave to deal with this whole story!
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  #123  
Old 27.03.2021, 21:52
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Re: Health insurance for tourists - inadequate coverage

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No chances with the insurance company...I tried everything with them already in 2018 but they didn't pay anything on the basis that it was a pre-existing condition, even though MIL was not aware of it.
Now thankfully the matter has been settled with the hospital. It is definitely a big relief for us.
Thanks for coming back to update. What an ordeal. Based on your post it sounds like perhaps it was a phone call? Please, please ask for this final settlement/detail in writing so that it's 100% clear to all that you are no longer financially responsible for anything at all.

If you don't have a letter, I guess you could try sending a registered letter yourself, stating you confirm you spoke with Ms. X on this date regarding this matter and it's your understanding that XYZ applies...
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  #124  
Old 27.03.2021, 22:12
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Re: Health insurance for tourists - inadequate coverage

No, it wasn't a phone call. She sent me an email. I won't hide hat I had tears of joy when I read it My guess is that I will get an official letter per mail postage soon.
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  #125  
Old 27.03.2021, 22:22
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Re: Health insurance for tourists - inadequate coverage

Good advice from 3wishes- you really must get a letter copy of the e-mail. And in the meantime, make sure you copy and print and save e-mail, etc- just in case.

But yes, what a saga, a very sad one. And one to remember- as here on EF, again and again- we get threads about people wanting to bring a parent here, on extended holiday or to live- and the dangers are explained. This case should serve as a template and real example of how things can go badly wrong.

Onwards, forwards, pheeew, and good on you.
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  #126  
Old 27.03.2021, 23:10
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Re: Health insurance for tourists - inadequate coverage

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What a story! I had not read your post back then but read through now and has made me think to ensure we have the long terms travel/health insurance coverage from when young and healthy so that insurances cannot muck about.
You were strong and brave to deal with this whole story!
Thank you kri.
I don't know which health/travel insurance you are talking about..but if you mean our Swiss health insurance (krankenkasse like SWICA, helsana, etc), then Swiss residents are very well covered also abroad during holidays... even with the basic one. The situation of tourists coming to Switzerland is very different though and I recommend stipulating a Swiss health insurance as well as having a complete doctor visit before coming to Switzerland - as evidence in case anything should happen.
Swiss health insurance providers also offer 90 days packages for visitors. The one i checked (after all this case happened), also had the clause of the pre-existing conditions being excluded, but the communication will be easier.
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  #127  
Old 27.03.2021, 23:19
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Re: Health insurance for tourists - inadequate coverage

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Thank you kri.
I don't know which health/travel insurance you are talking about..but if you mean our Swiss health insurance (krankenkasse like SWICA, helsana, etc), then Swiss residents are very well covered also abroad during holidays... even with the basic one. The situation of tourists coming to Switzerland is very different though and I recommend stipulating a Swiss health insurance as well as having a complete doctor visit before coming to Switzerland - as evidence in case anything should happen.
Swiss health insurance providers also offer 90 days packages for visitors. The one i checked (after all this case happened), also had the clause of the pre-existing conditions being excluded, but the communication will be easier.
I meant buying a health insurance that covers you all the time of tall trip on a yearly basis when you are young and without pre existing conditions. That way you can "carry it with you" as you age.

Talking more of abroad as indeed in CH we are well covered with the health insurance.
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Old 27.03.2021, 23:22
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Re: Health insurance for tourists - inadequate coverage

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What a story! I had not read your post back then but read through now and has made me think to ensure we have the long terms travel/health insurance coverage from when young and healthy so that insurances cannot muck about.
You were strong and brave to deal with this whole story!
If you have basic Swiss Insurance, you are automatically covered for up to twice the Swiss estimated cost- irrespective of pre-existing conditions. You can then get top up travel insurance to cover excess and repatriation. So Swiss people are very very lucky in this respect- but you have to be resident.

If you take travel Insurance from abroad- it is a totally different story. Many have a maximum age for cover, and pre-existing conditions are often specifically excluded. Failure to declare such pre-existing conditions will make the insurance null and void- and you have to declare each time, or each year, if anything has changed and new conditions have to be declared. I do not think there are any where you can just carry through as you age, without declaring new conditions as they arise.
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