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  #21  
Old 12.11.2019, 09:17
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Re: healthcare for British visitors to CH

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My aged mother has found that obtaining health insurance for travel is pretty much impossible. This type of arrangement is an option, although obviously comes with a price tag. https://www.sanitas.com/content/dam/...re_9049_en.pdf
Interesting, but there are some important restrictions:

" Please note that existing conditions, conditions resulting from an accident and maternity-related claims are not covered "
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  #22  
Old 12.11.2019, 09:26
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Re: healthcare for British visitors to CH

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Has anyone got accurate current info. The UK has signed reciprocal treaties with CH- but how would UK visitors to CH, access emergency healthcare here if and when EHIC cards/cover no longer valid? Just present passport at doctor's or Hospital/A&E?
In Switzerland everybody gets medical help in emergencies. Bundesgesetz (federal law). The canton the person is at the moment of the occurrence has to pay by law.

You should not rely on that though as no doubt they will try to get the money from someone else first.

article in German.
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  #23  
Old 12.11.2019, 09:35
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Re: healthcare for British visitors to CH

Yes, you are quite right to point that out. In my case, my mother is really just elderly (late eighties) which precludes her from pretty much all UK travel health insurance policies. This policy at least covers her to a large extent. I checked with Sanitas and there is no age restriction on it.

Edit: Response to Lausannebrit
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  #24  
Old 12.11.2019, 11:56
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Re: healthcare for British visitors to CH

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What's Schengen got to do with it? Reciprocal healthcare is an EU thing, extended to the EEA+Switzerland thing.

Here's a statement from the UK concerning the reciprocal health-care agreement between the UK and Switzerland. It looks like if you're currently visiting/resident then you've fine. But if you arrive after Brexit day (if it happens) then you won't, and you'll need your own insurance.
You are confusing two different things. There is a transition agreement for UK residents in Switzerland up to 12.2020.

Tourist travel on the other hand is a Schengen issue. UK citizens will enjoy visa free travel just like any other third country granted such rights. But that means on entry you are required to have sufficient funds and medical insurance to cover your trip. And the decision on your entry will be made by the first country you enter, France most likely if you travel overland.
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Old 12.11.2019, 12:17
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Re: healthcare for British visitors to CH

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Moneysupermarket does a good over 80 insurance comparison. My grandmother got insurance many times over 80 and she has a lot of pre-existing stuff.
It's a great option however premiums often exceed £500 per week, £1000 per week is not unknown if you are a bd risk.
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  #26  
Old 12.11.2019, 12:42
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Re: healthcare for British visitors to CH

I imagine excluding all so called 'hazardous' activities too - for those with post accident injuries.
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Old 12.11.2019, 12:44
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Re: healthcare for British visitors to CH

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I imagine excluding all so called 'hazardous' activities too - for those with post accident injuries.
What kind of "hazardous" activities are old, sick visitors likely to get up to? Octogenarian canyoning? Geriatric wingsuit flying?

I'd pay good money to go and watch those!
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Old 12.11.2019, 12:48
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Re: healthcare for British visitors to CH

Walking in snow is hazardous when one is elderly. Doubt that is precluded on an insurance policy though!
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  #29  
Old 12.11.2019, 12:49
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Re: healthcare for British visitors to CH

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I imagine excluding all so called 'hazardous' activities too - for those with post accident injuries.
The underwriters will offer many options if the sweet smell of the premium is strong enough. I know over 80's who have been covered for paragliding & heliskiing, plenty of fit plucky Oldies around
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  #30  
Old 12.11.2019, 12:49
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Re: healthcare for British visitors to CH

The thread is about visitors from UK- not necessarily elderly.

We both have multiple pre exisiting conditions, both accident and health related - but have no intention of stopping skiing, for sure. 73 and 68. Some of our UK friends like to join us and are all in their 70s.
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Old 12.11.2019, 12:51
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Re: healthcare for British visitors to CH

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The thread is about visitors from UK- not necessarily elderly.

We both have multiple pre exisiting conditions, both accident and health related - but have no intention of stopping skiing, for sure. 73 and 68. Some of our UK friends like to join us and are all in their 70s.
Wow you are only 10 years older than my wife!
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Old 12.11.2019, 12:53
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Re: healthcare for British visitors to CH

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The thread is about visitors from UK- not necessarily elderly.

We both have multiple pre exisiting conditions, both accident and health related - but have no intention of stopping skiing, for sure. 73 and 68. Some of our UK friends like to join us and are all in their 70s.
I'm confused as to which kind of insurance you are looking for now. Do you want insurance so friends and fam can simply visit, or so they can join you on the slopes, despite pre-existing conditions?
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  #33  
Old 12.11.2019, 12:59
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Re: healthcare for British visitors to CH

Not looking for anything in particular- this is just a general question re Post Brexit, post EHIC, health/accident cover - for those who will find it difficult, or even, impossible, to get cover- at any age.

In our case, no worries for us- as said, despite many pre-existing conditions and even 2 knee replacements- we are covered.
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  #34  
Old 12.11.2019, 13:04
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Re: healthcare for British visitors to CH

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Not looking for anything in particular- this is just a general question re Post Brexit, post EHIC, health/accident cover - for those who will find it difficult, or even, impossible, to get cover- at any age.

In our case, no worries for us- as said, despite many pre-existing conditions and even 2 knee replacements- we are covered.
People will just buy insurance in the same way as they do now if they are going to anywhere outside of the EU.

Maybe, once the EHIC lapses, there will be offers from insurance companies to compete for business once they see that anyone with so much as a bunion will think twice about going on hols to Spain or wherever. Or the UK/EU will agree to just extend the reciprocal agreements on health coverage in a similar way as it is now.
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  #35  
Old 12.11.2019, 13:08
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Re: healthcare for British visitors to CH

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Or the UK/EU will agree to just extend the reciprocal agreements on health coverage in a similar way as it is now.
I think this is very likely, it's really just a payment system. The cost of treating a heart attack in London is probably more than in Barcelona so overall costs nothing extra.
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  #36  
Old 12.11.2019, 13:15
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Re: healthcare for British visitors to CH

I'm still waiting to hear whether I need to air out the spare bedroom or not...
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Old 12.11.2019, 13:20
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Re: healthcare for British visitors to CH

No you don't. We have plenty of spare bedrooms and bathrooms here, even a spare kitchen ... and ... well, NO!

As said, this post is not about anyone in particular- just a general question which has been raised on an expat Forum for UK residents in France- for their visitors, family and friends, and also for those who have bought second homes which they visit regularly for several weeks at a time- and now find they can't get insurance any longer, or is vastly prohibitive. I'd hope that as UK and CH have signed reciprocal agreements- that a new form of cover would replace EHIC- which seems not to be the case.

Last edited by Odile; 12.11.2019 at 13:45.
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