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European Health Insurance Card Scheme


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No

 

but aren't you registered wth the University Doctor or a local doctor and don't you have a UK addreess and are UK resident. if so OK, you can apply on line by way https://www.ehic.org.uk/

 

EUHIC only entitles you to basic emergency cover, no repatriation etc. Get a travel Health policy, quick.

 

www.ehic.co.uk

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Agree with John. I applied for one and got a letter from the UK Govt turning me down because I'm a IOM resident and warned me not to make further attempts or to use one, which would result in the UK reclaiming all monies spent on me.

 

Get good insurance

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This is potentially a very serious issue and one that I'm researching at the moment.

 

Of course the two previous posts give good advice. "Get good insurance" is what you need but I hope you don't have a pre-existing condition (like diabetes for example) 'cos you're in for a shock. Not only will they want a considerable amount of money off you, there will be exclusions which you might not want to accept/risk. This means that you risk the cost of your house if you have a long illness anywhere past Dover.

 

I can categorically tell you that in France (the only country where I've asked) no treatment whatsoever will be provided until insurance cover is proved. What if I was dying I asked, the reply was a gallic shrug! That's f'ing serious! What would happen if an accident rendered you unconscious and you couldn't say ""oh ring up *** insurance". Would they actually do anything?

 

With the EHIC in your wallet at least they would get on with what was required knowing they'd get paid. It is basic and no it doesn't repatriate you but it might save your life.

 

Forget the reciprocal arrangements on the DHSS website. No one knows if they actually work or not as they were negotiated years ago and the DHSS here have no records to see if they have been used. As a manx resident you are significantly disadvantaged when it comes to health care on holiday. The same can't be said for the german (or romanian, latvian , lithuanian or whatever EU country you want to name) biker who ends up in Nobles TT week and stays for 6 months. Does he have to show his EHIC and if he's no insurance, who's paying? You are.

 

Don't think, who cares I've got my insurance. It might not be that simple and stuck in a foreign hospital bed for months might not be the best time to find out....

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]The same can't be said for the german (or romanian, latvian , lithuanian or whatever EU country you want to name) biker who ends up in Nobles TT week and stays for 6 months. Does he have to show his EHIC and if he's no insurance, who's paying? You are.

 

The hospital does try to claim the costs back though. Although getting details of a seriously injured foreign biker can be difficult at times

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This list should imo be removed by the government as nobody there can remember the last time it was used. Imagine having a bad road accident in Macedonia and saying hey, I'm from the IOM don't bill me!

Edited by ballaughbiker
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Thanks for the advice. I've signed up for the card today, since I do spend most of my time off Island now. Plus, I have been transferred to the NHS in the UK so....

 

I have nothing concerning medical wise, apart from mild asthma. The health insurance doesn't appear to be that expensive for 2 weeks either, but I'll see.

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The health insurance doesn't appear to be that expensive for 2 weeks either, but I'll see.

 

Depending on your circumstances it may be worth checking out annual travel insurance because it will often work out cheaper than buying a few separate insurances for each time you travel. You can usually add it to your house policy and some banks offer it at an extra cost on your account

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Agreed git . Depending on your age most annual policies are well less than £100/ couple.

 

Unfortunately getting an annual policy does not reduce the exposure to being ripped off by the company for changes in medical history during the year. Mrs biker went to see the gp as she had a small red lump on her arm. He said 'nothing horrible, I'll take it off now' but Mrs biker elected to have it done at Nobles having seen this gp's surgical skills before. As required by the policy, we phoned up to declare this two weeks before a holiday in France which prompted an interrogation and exchange of records and more money before cover could be confirmed. We nearly didn't go on holiday!

 

I trust that illustrates the problem of a private insurance company versus a government backed fully reciprocal scheme. Interpretation of rules and insurance cover can be changed at a moments notice and you are at the complete mercy of the insurance company. That would never happen with the UK resident and his EHIC or the uninsured foreigner getting treatment at Nobles.

 

If you are fit and well (long may it continue) and you don't get ill or have an accident outside IOM/UK (that's most of us then), its easy to be lulled into the false sense of security in thinking, "hey, what's the problem?" Well, if that's how you want to kid yourself, you will only find out if any of those parameters change. The consequences of not being properly insured are too awful to contemplate. I know someone who was stationary on a ski slope in France, looking at the view, when she was hit by a snow boarder and suffered very serious injury. She was in a hospital in France for 9 months. At around £350/day plus specialist's fees, work it out. Would you take the risk of not knowing if Shark Insurance Co. would pay up due to some 'technicality'?

 

During my research I have been speaking to someone I know in the CI. Whilst, as we all know, they too are not full members of the EU, the States of Jersey do have proper recently negotiated reciprocal agreements with some major EU countries. We don't and as a result we appear to be the only jurisdiction in western europe suffering this very significant disadvantage if we set foot past Dover.

I understand that there are one or two what used to be called 'key workers' leaving the Island because of this and changes in movement of government pension rules.

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We don't and as a result we appear to be the only jurisdiction in western europe suffering this very significant disadvantage if we set foot past Dover.

 

Yeah but we have our own "Government" and we're "Special". :rolleyes:

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