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Old 24.03.2012, 18:55
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Travelling to Switzerland from UK .What does E111 cover ?

Hi everyone

I have my elderly mother ( aged 74 and a little frail ) travelling to Switzerland from the UK for 2 weeks in June.

Can anyone offer me any advice should she fall ill and also if she needed to be flown home. I think the E111 card will not cover her totally.

I had a look on Easy Jets travel Insurance ( she is flying with them) but couldnt quite figure out if this would subsidise anything else she needed.

If any one has any advice, suggestions or recommendations to get her complete Health Insurance cover for the 2 weeks I would really appreciate it

Thanks so much
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Old 24.03.2012, 19:15
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Re: Travelling to Switzerland from UK .What does E111 cover ?

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Hi everyone

I have my elderly mother ( aged 74 and a little frail ) travelling to Switzerland from the UK for 2 weeks in June.

Can anyone offer me any advice should she fall ill and also if she needed to be flown home. I think the E111 card will not cover her totally.

I had a look on Easy Jets travel Insurance ( she is flying with them) but couldnt quite figure out if this would subsidise anything else she needed.

If any one has any advice, suggestions or recommendations to get her complete Health Insurance cover for the 2 weeks I would really appreciate it

Thanks so much
You will have to pay the return costs. I doubt any insurance will cover a 'frail' person,
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Old 24.03.2012, 19:18
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Re: Travelling to Switzerland from UK .What does E111 cover ?

Not easy to find Insurance for elderly people, especially if 'frail' with pre-existing conditions, but I would definitely get her covered by medical Insurance for the trip.

Lovely of you to invite her over, bravo - but don't take risks. Just Google UK Insurance for over 70s
and there are a lot of offers there.
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Old 24.03.2012, 19:33
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Re: Travelling to Switzerland from UK .What does E111 cover ?

the E111 was changed to European Health Insurance Card (EHIC), if she does not have the new card, then order one. I believe they have a validity of 10 years, but not 100% sure. their site is www.dh.gov.uk/travellers

on the back of the card is does say, Make sure you have valid Travel Insurance.

I had a friend work one summer for the Help Centre, that people contact when making claims for travel insurance. I believe she told me if people did not have the card, the company applied on their behalf and sent it out, as it saved them some money. That was some years ago, so may be not the case now.

Many Travel Insurance has a basis amount that they do not cover, but the card might.

Well done you for inviting her over, but make sure you have adequate insurance cover
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Old 24.03.2012, 19:39
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Re: Travelling to Switzerland from UK .What does E111 cover ?

Hi

My mum had to use the E111 card here last year when she was ill. It does not cover all the cost of an ambulance. For medical costs, you are covered in Switzerland equivalent to the cover a Swiss citizen would get. This is very unclear as all Swiss citizens have to have medical insurance. In the event, all her medical costs from the hospital were covered as the city, canton and national government contributed.

As far as repatriation is concerned, I don't think the E111 would cover you at all. Medical insurance is recommended, not least, as in the unthinkable event your relative passes away here, the E111 will not cover the cost of sending your loved one home.

I am in the difficult position of my mum wanting to visit me but her medical health means she cannot get health insurance until she has been out of hospital 3 months and even then it will be very expensive to cover her for her existing conditions.

Hope that helps
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Old 24.03.2012, 20:08
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Re: Travelling to Switzerland from UK .What does E111 cover ?

Doesn't SAGA specialise in oldies' travelling? - may well be the best insurance provider.

I thought the E111 was pretty lightweight for EU countries, let alone here (CH).
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Old 24.03.2012, 20:10
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Re: Travelling to Switzerland from UK .What does E111 cover ?

As has been mentioned the EHIC card will cover hospital treatment.

It will not cover ambulance costs needed to take her if need be.

She does need seperate travel insurance to cover these but do not stress too much as she will be able to get cover with someone. The key is that she is travelling to Europe not the US or Worldwide.

I know several over 70s who have problems and do have Ins- if you have no luck send me a pm and I shall post a list of companies that will cover her.
(Do note that she should be insured asap as if flights are booked these will be covered if she needs to cancel)
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Old 24.03.2012, 21:47
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Re: Travelling to Switzerland from UK .What does E111 cover ?

It will only cover EMERGENCY hospital treatment- so if she had an 'emergency' but then needed long-term hospital treatment and recovery, it would not pick up the tab- and neither would it cover repatriation so she could have long-term treatment and recovery back in UK etc (let's say, bless her cotton socks and all fingers crossed, if she had a stroke or heart attack, etc). Just not worth taking the risk not being covered.
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