Insurance fails to pay up.

so next time i go on a summer ibizia holiday it dont really matter if i have
insurance or not....... if it get invalidated then i may as well save my £40
and not buy it.



"Miss L. Toe" wrote in message
...

"chancellor of the duchy of besses o' th' barn"
wrote in message
news:1gl07gj.aqgg4rc3lv40N%this_address_is_for_spa ...
Miss L. Toe wrote:

OK I don't know the details but this doesn't sound very nice:
http://www.sky.com/skynews/article/0...153942,00.html

TEENAGER OWES HOSPITAL £30,000


A British teenager stranded in Turkey after a holiday accident will be
flown
home by her insurance company - but they are refusing to pay her
medical
bills.

Huh? One news organisation obviously has it wrong, and I don't know
which. The BBC reports that she had no insurance- thinking she'd be
covered by the E-111 form.

http://news.bbc.co.uk/1/hi/england/w...re/3705258.stm


Which includes the paragraph:

Medics also informed her that even if she had taken out additional cover,
insurance firms would not have paid up because she had been drinking
before
her fall.

Sounds to me like the facts might be:
She had a policy.
She had been drinking.
The insurance company refused to pay up.

But, of course, I am speculating.
I wonder how much she drank - Or more importantly how much the insurance
companies let you drink before they deny liability.

Or maybe her parents had a family multi-trip policy some of which, in the
small print, don't cover the children when travelling without their
parents.

On Sat, 2 Oct 2004 09:52:20 +0100, Roland Perry wrote:

And the Telegraph also has elements of both:

and it also says her insurance was invalidated because she had been drinking.

-
Lansbury
www.uk-air.net
FAQs for the alt.travel.uk.air newsgroup

On Sat, 2 Oct 2004 09:52:20 +0100, Roland Perry wrote:

And the Telegraph also has elements of both:

and it also says her insurance was invalidated because she had been drinking.

-
Lansbury
www.uk-air.net
FAQs for the alt.travel.uk.air newsgroup

In message , at 14:21:16 on
Sat, 2 Oct 2004, Lansbury remarked:
And the Telegraph also has elements of both:

and it also says her insurance was invalidated because she had been drinking.

What it says is: "She was also told insurance firms would not pay
because she had been drinking before the fall."

Which is certainly at the "she may have had insurance, but it was
invalid" end of the spectrum.

However, why drag the invalid E111 into the equation. Are we supposed to
believe she wouldn't have drunk anything if she didn't think the E111
was there as a safety-net?

But yes, I'm beginning to think that she did have insurance, and it was
made invalid by her actions (although that's not difficult if you read
the T&C).
--
Roland Perry

In message
, at
14:59:44 on Sat, 2 Oct 2004, Hilary
remarked:
Just try not to injure yourself or lose anything while drinking.
Everything else is covered.

Except all the things not covered if any of the party has had a serious
illness, ever.
--
Roland Perry

"Hilary" wrote in message
...
so next time i go on a summer ibizia holiday it dont really matter if i
have
insurance or not....... if it get invalidated then i may as well save my
£40
and not buy it.

If you get drunk and then have an accident then yes, most medical
insurance will be invalid. Your travel insurance is still useful in case
you: need to cancel/postpone/return early (due to illness/death of
you/close family member/person you were travelling with), in case you lose
your passport/tickets, in case you are mugged, in case you miss your
flight due to no fault of your own, etc.

Just try not to injure yourself or lose anything while drinking.
Everything else is covered.

Hilary



But in reality most people can afford to cover such losses themselves. It's
like taking insurance cover for your washing machine Its foolish you will
spend more on premiums than you ever recover in claims (unless you are very
very unlucky).

Medical Insurance is (IMO) the only reason to take out travel insurance.
And if you cant have a drink whilst travelling.......
IMO they should specify limits on how much drinking you are allowed to do.

"Hilary" wrote in message
...
so next time i go on a summer ibizia holiday it dont really matter if i
have
insurance or not....... if it get invalidated then i may as well save my
£40
and not buy it.

If you get drunk and then have an accident then yes, most medical
insurance will be invalid. Your travel insurance is still useful in case
you: need to cancel/postpone/return early (due to illness/death of
you/close family member/person you were travelling with), in case you lose
your passport/tickets, in case you are mugged, in case you miss your
flight due to no fault of your own, etc.

Just try not to injure yourself or lose anything while drinking.
Everything else is covered.

Hilary



But in reality most people can afford to cover such losses themselves. It's
like taking insurance cover for your washing machine Its foolish you will
spend more on premiums than you ever recover in claims (unless you are very
very unlucky).

Medical Insurance is (IMO) the only reason to take out travel insurance.
And if you cant have a drink whilst travelling.......
IMO they should specify limits on how much drinking you are allowed to do.

On Sat, 2 Oct 2004 15:10:29 +0100, Roland Perry wrote:

And the Telegraph also has elements of both:

and it also says her insurance was invalidated because she had been drinking.

What it says is: "She was also told insurance firms would not pay
because she had been drinking before the fall."

I quote from my copy of The Telegraph, (2nd of 4 paragraphs)

"Sarah Webster 18 of Cricklade, Wilts, fractured both thighs, her wrists and
skull when she fell from her hotel balcony but invalidated her insurance
because she had been drinking"

-
Lansbury
www.uk-air.net
FAQs for the alt.travel.uk.air newsgroup

"Simon Elliott" Simon at ctsn.co.uk wrote:

[]
After all the controversy about whether or not to admit Turkey to the
EU, how can any Brit not know this?

Not everyone pays attention. Besides, being in the EU or not doesn't
necessarily matter. You'll get reciprocal health care in Norway, for
example. Norway isn't in the EU, but in the EEA.

David

--
David Horne- www.davidhorne.net
usenet (at) davidhorne (dot) co (dot) uk

In message
, at
17:34:44 on Sat, 2 Oct 2004, Hilary
remarked:
Just try not to injure yourself or lose anything while drinking.
Everything else is covered.

Except all the things not covered if any of the party has had a serious
illness, ever.

That comes under pre-existing conditions. Most insurance companies only
care if it's 1) recent (i.e. within 2 years) or 2) ongoing (e.g. cancer).
If you went to the doctor 3 years ago to have a mole removed, they don't
care.

I've seen policies that won't cover anything (not even lost luggage) if
any of the party has ever had cancer!

The Post Office one (which is topical) says:

"You must be able to make the following declaration for yourself, anyone
travelling with you, a close relative or business associate who the trip
will depend on" [otherwise we won't] "cover any claim arising from that
condition unless we have agreed in writing to cover it".

a) No insured person is waiting for an operation or post operative
check-up, any investigation or results or any other hospital treatment
or consultation (other than where you go to hospital for check-ups for a
stable condition, at regular intervals which have been arranged
beforehand.)

b) No insured person has ever received treatment for any of the
following:

* A stroke
* Any form of cancer, leukaemia or tumour
* A transplant
* Any heart problem
* Dialysis

c) No insured person has received treatment, other than regular
medication, in the last 12 months for any blood disorder, breathing
problem, psychiatric illness or dementia.

d) No insured person has been seen by a specialist in the last three
months (other than where you go to hospital for check ups for a stable
condition, at regular intervals which have been arranged beforehand) or
been admitted to a hospital overnight.

e) No insured person has been given a terminal prognosis by a registered
doctor.

with arrangements where they might quote an increased premium if you
consult with them
--
Roland Perry