Travel Insurance - MEDICAL AND OTHER EMERGENCIES
The emergency assistance service provides immediate help in the event of an insured person’s illness or injury whilst travelling abroad – they provide a 24 hour multi-lingual emergency service 365 days a year and can be contacted by telephone or fax.
The emergency assistance service provided for you by this insurance is operated by Global Response and Healthwatch S.A.
In the event of any illness, injury, accident or hospitalisation which requires:
Inpatient treatment anywhere in the world, you must contact Global Response
Tel: +44(0)113 318 3109
Fax: +44(0) 113 318 9499
Outpatient treatment anywhere in the world excluding North America and the United Kingdom, Channel Islands, Isle of Man or Eire, you must contact Healthwatch S.A
TeL: +44(0) 113 318 0124
Fax: +44(0) 113 318 0125
Outpatient treatment in North America and the United Kingdom, Channel Islands, Isle of Man or Eire, you must contact Global Response
Tel: +44(0)113 318 3109
Fax: +44(0) 113 318 9499
Global Response or Healthwatch S.A may be able to guarantee costs on your behalf. When contacting Global Response or Healthwatch S.A, please state that your insurance is provided by UK General Insurance Ltd and quote the appropriate scheme name:
Scheme Name : Downunder UK
Reference Number : 04828F
Note: You must retain receipts for medical and additional costs incurred and you are responsible for any policy excess which should be paid by you at the time of treatment.
In-patient Treatment Abroad
If you go into hospital, you must contact the Emergency Assistance Service as detailed above immediately. If you do not, this could mean that we will not provide cover or we will reduce the amount we pay for medical expenses.
If you require outpatient treatment, please provide a copy of your insurance certificate to the doctor and your treatment will be paid for by Healthwatch S.A in line with your policy. You will need to pay any excess at the time of treatment. Please note that some clinics may not wish to settle their bill directly with us and you may be asked to pay for your treatment and claim this back upon your return.
OUTPATIENT INSTRUCTIONS TO DOCTORS/CLINICS
In order to have your invoices paid quickly, please send your treatment invoice together with a copy of the policy (clearly showing the patient name/s) and any supporting documentation related to the outpatient treatment (Medical report, cost breakdown) by email to firstname.lastname@example.org
TREATING DOCTOR / HOSPITAL in the USA:
For travel to the United States of America: We will only pay for reasonable and necessary emergency medical treatment, surgical, hospital, ambulance and nursing fees and charges. This means costs that are incurred for approved, eligible medical services or supplies up to 150% of the published medical rates for the same or similar treatment as payable by US Medicare
You must include your bank account details, IBAN no's and / or swift code for payment to be processed electronically
Out Patient Department tel: 00 30 2310 256454
Out Patient Department fax: 00 30 2310 256455 or 00 30 2310 254160
Returning early to the United Kingdom, Channel Islands or Isle of Man
If you have to return to the United Kingdom, Channel Islands or Isle of Man under section 1 (Medical Emergency and Repatriation) or section 2 (Emergency Dental Treatment) the Emergency Assistance Service must authorise this. If they do not, this could mean that we will not provide cover or we may reduce the amount we pay for your return home. We reserve the right to repatriate you should our medical advisors consider you fit to travel.
Reciprocal Health Agreements
If You are travelling to European Union countries You should obtain a European Health Insurance Card (EHIC). You can apply either online through http://www.nhs.uk/NHSEngland/Healthcareabroad/EHIC or by telephoning 0300 330 1350. This will entitle You to benefit from the reciprocal health agreements, which exist between certain European countries. In the event of a claim being accepted for medical expenses which has been reduced by the use of an EHIC, or Private Health Insurance, the deduction of the excess under the medical section will not apply.
Please note: For claims under Section 1 (Medical Emergency & Repatriation) or Section 2 (Emergency Dental Treatment), no Policy Excess will apply when You receive inpatient treatment (where medically necessary) at a state hospital within the EU, EEA or Switzerland if You have used the European Health Insurance Card to effectively reduce the cost of Your treatment or medicines.
When You are travelling to Australia and You register for treatment under the national Medicare scheme, Medicare provides:
- free treatment as an in-patient or out-patient at a public hospital;
- subsidised medicines under the Pharmaceutical Benefits Scheme; and
- benefits for medical treatment provided by doctors through private surgeries and Government Health Centres (not hospitals).
When You are travelling to Australia and You have to go to hospital, You must register for and make use of the treatment offered under the national Medicare scheme www.humanservices.gov.au. If You know You need treatment, You can enrol for Medicare at a DHS Service Centre. If You receive treatment before You enrol, Medicare benefits will be back-paid for eligible visitors To be eligible You must be a resident of the United Kingdom and will need to show Your British passport with an appropriate visa. If You do not enrol at Medicare offices We may reject Your claim or limit the amount We pay to You. If You need treatment which cannot be carried out under Medicare you MUST contact Our 24 hours Emergency Service before seeking private treatment. If You do not do so, We may reject Your claim or limit the amount
We pay to You.
If you hold an Irish passport you are entitled to free treatment as an in-patient or out-patient at a public hospital. You will need to show Your passport at the hospital.
For more information You should contact:
Health Insurance Commission
PO Box 1001,
or visit their website at: www.hic.gov.au