VIEWS: 36 PAGES: 3 POSTED ON: 5/28/2010
PR Log - Global Press Release Distribution Why Travel Insurance Works By Barrie Le Gall Dated: Apr 14, 2010 Listed here are our travel insurance tips and hints: Do you have your latest travel insurance policy to hand? Or even you still have an old one? Look at it to see if you can find the emergency number which you or your family members ought to call in case you are taken sick or have an accident on holiday. It's probably in fairly large print near the end of the 2nd page. If you're lucky, you won't ever have to call this number but ever wondered what happens if you do? When you call that number, a person answers in the name of your travel insurance provider so it is logical to assume that you're dealing with one of their employees. But you aren't. The individual you're speaking to works for a major international healthcare assistance company used by your insurance providers to act on their behalf. These assistance companies have agreements with a huge selection of travel insurers and the clients of each one call the medical assistance organization on a different number. The “assistance coordinator” answers in the name of your particular travel insurance company because the little light on the telephone has revealed which company name she should greet you with: “Good afternoon, Anycompany Direct. Nicky speaking. How can I assist?” Why does the insurance company use a different type of organization altogether to deal with their healthcare situations overseas? Because a travel insurance company employs legal professionals as well as underwriters, when an international medical support organization employs medical doctors, linguists and probably its own travel agent. Are you questioning the reason why a doctor in great britan has to be consulted about your health claim abroad? Continue reading. If you are hospitalised or receive emergency outpatient treatment abroad the medical center treating you might usually request your travel insurance docs once you've received initial hospital treatment. It is at this point which you or a relative ought to call the emergency telephone number so that the medical support company and insurance provider know that there is going to be a claim. You could be asked to fax a copy of the insurance plan to the medical support business as this is actually the quickest method for them to confirm that your insurance plan exists. The medical support business functions 24/7 although the insurance company does not, hence the assistance coordinator can't contact the insurer organization to check that you are protected if it is 2 am in the united kingdom. In the matter of any sort of accident, the procedure is normally clear-cut: when the help business have verified the insurance protection and one of their doctors has, together with your agreement, observed a healthcare record, the coordinator can fax a guarantee of payment to the treating medical center as well as doctor. The assistance company’s role will not end here, nevertheless, for you may not be fit to travel home on your planned date and your condition might need specific travel measures, for example additional seats on the plane to accommodate a broken leg, terminal wheelchair support or a stretcher repatriation.You might need a medical or non-medical escort. A air ambulance is only used in one of the most serious circumstances. How and when you may be brought home is a determination which the healthcare assistance company’s doctor will make in assessment with the treating doctor abroad. This is when the organizations linguists come into play, because they work as interpreters for the medical doctors. Almost all arrangements for the repatriation is going to be made by the assistance organization, which will keep the insurer organization up to date at every phase. Page 1/3 PR Log - Global Press Release Distribution A particular note here for the snowboarders: it sounds apparent, but do ensure you have a protection plan with skiing cover and do not chance snowboarding off-piste or even in unsafe conditions, for this you could end up a no cover scenario. If you're taken unwell overseas, you or even your nearest family member are likely to be requested to sign a “medical consent” form which the medical support business will fax to the treating medical center. This provides the medical assistance organizations doctor permission to evaluate your past health background. Why is this necessary? Well, if you experienced a heart attack three weeks back, were instructed to relax yet were living it up on Ibiza when your heart conked out once more it would be somewhat much to expect the travel insurance company to cover thousands of pounds for the treatment together with repatriation, wouldn’t it? You will find, also, people who quite deliberately set out to defraud their travel insurance company. Possibly Mr Swindler is awaiting a surgical procedure in the united kingdom when he suddenly gets the bright concept that, if he pretends that the problem only begun in the middle of their holiday in Texas, they could get quicker and much better treatment there. Forget it, Mr Swindler, for the medical assistance company have rumbled you and very soon your travel insurance company sends someone out to the us to have a few words with you! Keep in mind, also, that the medical support organization is available to help you. It's doctors want to help you home as quickly as possible, although solely when it is comfortable to move you. And your travel insurance cover comes to an end when you are back on the soil of your homeland. Listed here are our travel insurance tips and hints: 1. You'll be amazed if you ever knew the amount of people do not bother to obtain travel insurance at all, particularly for short visits. So, at the chance of sounding like your fussiest auntie, tip number 1 is … get yourself a policy! 2. Don't assume that, inside the EU, all is covered by the status being an EU resident. You do require travel insurance. 3. If possible, leave a duplicate of the travel insurance policy with an individual at home, especially if you are travelling off the beaten track. That person might be able to fax the copy to the assistance company quicker than you can. 4. For those who have had a recent surgery or even sickness or suffer from a persistent condition, check the small print of the policy carefully. Ask your family physician to get a “Fit to fly” certification. This may speed up the documents if you do require treatment abroad. 5. Check exactly what your policy states about hospital treatment abroad. A few policies expect you to “pay and claim”, ie., to fund treatment on the spot and claim the money back when you get home. 6. If a member of family is taken seriously ill or even has serious incident overseas, or even should the sufferer is a child, the majority of insurance companies can pay for one family member to remain on or even travel out to be with the individual. They will typically cover accommodation charges although not the costs of foods or even phone calls while that relative is overseas. You'll need to be aware of that. 7. For those who have a “free“ travel insurance that has come with a charge card, the chances are that it'll include Absolutely no pre-existing conditions. Read the small print carefully. Page 2/3 PR Log - Global Press Release Distribution 8. Read all the small print very carefully if you are taking out an expatriate policy. 9. If you are skiing or perhaps taking an adventure holiday, ensure you possess the right kind of cover and don't take such avoidable risks. 10. Got the insurance plan, read it, made a duplicate? Now put it with your passport, relax and have an excellent time! ### The primary goal of internet marketing is to maximise the investment and value of your online assets. Search Marketing - Delivering more visitors to your web site, increasing ROI and reducing CPA Category Travel, Insurance Tags travel insurance, holiday insurance, holidays, family holidays, family insurance Email Click to email author Country United Kingdom Page 3/3
"PR Log - Why Travel Insurance Works"