Hi Maggy, Have you actually checked with the bank's insurers that hubby's medical condition is covered? I'm only asking because I had free insurance with my RB OF S account, which covered both our medical conditions, but after a couple of years when trying to renew the cover,(we always phoned to declare our medical problems as they can refuse to pay out if you haven't) they had moved the goalposts! We then got cover through Nationwide, who also changed the rules after 2/3 years.Currently have cover from Staysure at not much over £100 for an annual policy covering both our medical conditions. Well worth it for the peace of mind. Hopefully yours IS covered, but definitely worth checking! Good luck. Moyra
Message posted by heathermac on 04 February 2010 at 9:49am - IP Logged
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My elderly mum and dad were getting quotes of 500 + for this years two week break to see me.
I checked out the moneysaver web site.
They said to look at the EHIC(E11) plus cover.
So my mum completed the medical screening part and for £66.00 they have annual cover in Europe with there conditions disclosed. Angina, blood pressure etc.
So by just having your in date national Insurance Card EHIC as it is now and paying this plus cover of £66.00.
They are completely covered.
Has anyone done this?
Why did we not know about this before?
I know it means using the visiting country's health system and not private clinics, but repatriation etc is included.
Message posted by maggy on 04 February 2010 at 12:39pm - IP Logged
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Hi Flynmo,
Yes the insurance company provided by our bank is Fortis, I spoke them personally, they did state that I had to apply every year in case the medical condition had improved or gotten worse. I do know that once Mr M reaches 65, the free insurance scheme will cease to be.
Heathermac, yes I did look on the EHIC website, it looked good until I read that they did not cover long durations, I think the longest cover they provided was for 31 days, as our flights are already booked for 60 day durations there was no point in approaching them, perhaps next year if we decide to shorten our duration.
Also, as far as I could gather EHIC will not fly a person home if need be, it did advise to take out another travel/medical insurance to cover the things EHIC don't provide.
Liverpool and Victoria,I know work in conjunction with Nationwide, their quote included me,!without loading the policy for Mr M, their quote was £122 for multiple trips of 60 days, then the falling on the floor bit came along!
Once I had disclosed Mr M's operation, that then became just under £300!
ESURE, well their quote went off the radar!
Going back to the devil I know, my insurance with them is still free for a 31 day multiple trip, albeit a premium of £22-80 for the upgrade of 60 day durations, we have up graded since we bought the hovel.
After doing the medical screening for Mr M, the price for his medical condition was £150.
Our flights if they have to be cancelled for any reason are covered as of yesterday, but not a full refund.
I do have a two week cooling off period if I decide to change my mind, but at the moment I'm happy with their quote! To my knowledge I've done the best I could without sitting on the phone for hours!
Message posted by Deedee on 04 February 2010 at 3:50pm - IP Logged
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Deedee
Sounds like a good deal to me Maggy.
A few years ago we were looking to bring my grandparents out to Corfu for a holiday with us. As well as having medical conditions they were both in their 70s. The insurance premiums we were quoted were actually more than the cost of the holiday.
Deedee
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