Search Sort Posts:  Oldest to newest Newest to oldest

08/09/2004, 6:28 Will Joined on 22/09/2004 Sussex & 50 (Mortainais) Posts 4,727 FAQ - E111 and Travel insurance Originally posted by Owen on 10-Aug-04. "E111/TRAVEL INSURANCE" This option for healthcare provision was mentioned in the "Tale of Woe" posting and Quillan quite rightly implied that this was inappropriate for a "de facto" permanent resident of France. As I used to be in the UK travel insurance business I probably will not have the influence of a loud mouth who frequents an expat bar but I will try. If you are essentially still a UK resident but make trips to France then a travel insurance plus E111 is ideal. Many insurers will not apply the excess payable on any medical claims if a proportion of the bill has been covered by E111. But a travel insurance will only cover emergency medical expenses. So if you seek treatment for a serious condition that is not of an urgent nature the E111 may well not be accepted and the travel insurance will not pay either since treatment could wait until the return to the UK. In these cases the travel insurance would pay the costs incurred in you having to curtail your trip. But the insurer may well refuse any sort of claim if a pre-existing condition has not been declared. Even if you have been clear of a serious disease such as cancer; if you have not declared it then the claim may still be refused because the insurer should have been informed as it is a "material fact". But if you are by any reasonable measure a French resident then this option is inappropriate. Most UK insurers will insist that the insured is a UK resident and the trip starts and finishes in the UK. The policy wording will probably give a definition of UK Resident or Home Country. In the event of a claim the loss adjuster may well ask for proof of intention to return to the UK ie; return air or ferry ticket. The policy wording may insist that the booking of both the outward journey and the return was made in the UK. E111 issued in the UK is not valid at all if you are a permanent resident of France. I accept that E111 is used by some expats on almost a permanent basis but this sort of abuse is bound to be curtailed in due course eg; by the issue of the European Healthcard. Whilst there are bureacratic obstacles to overcome it is certainly easier now for us all to properly affiliate to the system and in so doing have some of the best healthcare in the world at reasonable cost. This will also include treatment of pre-existing conditions. At the same time we do not have to worry about hawk-eyed loss adjusters refusing spurious claims on a travel insurance. Regards Peter Owen pjowen@expathealthdirect.co.uk Will intentionally blank signature http://www.vienormande.com    Report

19/03/2007, 9:27 Owen Joined on 23/08/2004 Var (83) Posts 218 Re: RE: E111 and Travel insurance As a UK resident you will be entitled to free treatment under the NHS. So a loss adjuster may decide to fly a patient back to the UK by air ambulance if the medical condition so allows. This is expensive but the insurers' liability would end once the patient was back in the UK, whereas the cost of treatment in North America is astronomical. Hospitals in the USA also tend to bump up the costs of any treatment even more if they know a foreigner has adequate insurance. Regards Owen pjowen@expathealthdirect.co.uk    Report

21/03/2007, 13:12 val douest Joined on 28/08/2004 Hautes Pyrénées (65) Posts 245 Re: RE: E111 and Travel insurance Trailfinders (www.trailfinders.com) is a british-based company which will issue travel insurance for trips originating in any European country for travel to most countries of the world, either on a single-trip basis or for annual cover.  The costs are very reasonable (much more so than any cover we have been quoted for by French companies) and it can all be done on-line.    Report

France Forum » Living » Health » Re: RE: E111 and Travel insurance

(Quick links) Forums Home |- Search Forums |- Active Topics |- Unanswered Posts User Options |- Sign In |- Join this community |- Forgot Password About This Forum (READ ONLY) |- About This Forum Moving |- Finding/Owning French Property |- Making the Move From Outside the EU |- Long-Term Letting |- Employment Vacancies in France Legal and Finance |- French Legal Issues |- French Finance Building and Renovation |- House Renovations |-- Working with Wood Living |- Earning a Living |- Driving |- French Education |- Pets |- Animal Welfare, Rescue & Protection |- French Satellite TV, French Internet and Telephone |- Health |-- Changes to Healthcare Entitlement, CPAM, CMU and Cartes Vitales |- Swimming Pools in France Owning/Running a Business |- French Artisans |- Gite Owners |- Hotel and Restaurant Owners |- B&B/Chambres d'Hôtes Owners Leisure and Pastimes |- Gardening |- Sport, Leisure and Pastimes |- Shopping |- French Antiques, Arts & Crafts |- Photography |- Motorcycling in France |- Books and Literature |- Getting Married in France |- Pregnancy and Birth French Culture |- French Food and Wine |- French Culture |- French Language |-- French Language FAQs and Useful Links |- Wildlife/Nature/Environment |- French History Travelling to/from France |- Travelling to/from France |- Latest Good Value Deals to/from France Holidays |- Holidays General Discussion |- The Complete France Post Bag |- The Lighter Side |- Other Topics |- Forum Technical Support |- Useful Links About France/French Living Regions |- HOTEL SEARCH |- Central |- North East |- North West |- Paris Ile de France |- South East |- South West |- East |- West |- Corsica and DOM-TOMs