If I lift out medical travel insurance and hold an misfortune within Belgium?
Can I expect confidentiality from Doctors and Nurses there and must my insurance company seek my consent to buy my medical records.
Answers:
you are covered as it is in the EEC and you should have a card that it be the E111?you phone up with your national insurance no and date of birth and your card will be sent out to you and also its for life,you will gain the phone number at your post office,take charge
I own had my experiences with TIC travel insurance and I be not bloody content about it. Our company that supplied the airline tickets became in debt. (But we got home safely). Afterwards, we phoned the insurance company and they WOULD NOT PAY FOR THE AIRLINE TICKETS. Our insurance was the fully covered insurance (medical, accident, loss of luggage..etc). They WOULDN'T PAY FOR THOSE EITHER. They explained that if you had other companies that cover this insurance then they wouldn't compensate, thus why would you buy this insurance? Say if you bought 2 insurances and only one payed cause the other one notice that you had two so they wouldn't pay, do you reckon that's fair? You payed for two insurances but you only have one. Aren't you supposed to get two? It's like two populace bet that if you were injured then they would afford you $300, but you have only received $150 because being A said that person B already gave you $150, so he wouldn't provide you the $150. Source(s): Personal experience.
1st >>>you'll be properly treated
2nd>>> confidentiality is a must in the medical profession except towards an insurance co.
3rd >>> hospitals are senate owned and clinics are privately owned.
4th >>>not all hospitals/clinics work directly with the insurance companies especially not the private clinics. You will own to foot the bill first and get your money back from your insurance company following on.
I speak out of experience as I am a Belgian expat and have been on medical insurance for over 30 years. When I call round a doctor/clinic in Belgium, I have to pay envelope the bill first, send all the papers to my insurance co to receive reimbursed. Hospitals ask for a written consent from your insurance that they agree to foot the bill. In any case, the reimbursement has other been done without any hassle (we've have different medical insurances over the years)
5th >>> if you follow point 4, you' ll realize you won't be able to keep some info out of your profile unless you specifically ask the doctor to do so which, in my modest opinion, he won't do if the info is really relevant.
6th >>> when you enjoy an insurance, the hospital or clinic will either ask your insurance's consent or, like I said until that time, you'lll have to pay first so you will - surrounded by both cases - have to seek consent from them within case of accident or contained by case you have to stay contained by a hospital or receive some special tests before the hospital will start on them.
Anyway, what do you enjoy to hide if you have an catastrophe?? unless... you have some undisclosed disease or a certain familial medical history that you haven't declared on the other hand to your insurance.
Remain positive! Nothing will happen to you but it is better to be safe than sorry.
I option you well and enjoy an excellent time within Belgium.
Edit :
reference to Kim's comments (sorry for what happened to her) :
You can not be repaid for your medical expenses by 2 or more insurance companies because
1st it wouldn't be honest
2nd you hold to deliver the original bills to your insurance to be reimbursed.
In more than 30 years, never once, did our insurances refuse to repay us. You hold to make sure to choose one that has a solid & honest reputation and read between the lines beforehand you sign your contract as some medical insurances do not repay the travel expenses OR they'll repay only X % of your total medical expenses OR they'll repay your medical bills only up to the amount you would enjoy paid in your own country. Be vigilant. Good luck!
Related Questions:
Answers:
you are covered as it is in the EEC and you should have a card that it be the E111?you phone up with your national insurance no and date of birth and your card will be sent out to you and also its for life,you will gain the phone number at your post office,take charge
I own had my experiences with TIC travel insurance and I be not bloody content about it. Our company that supplied the airline tickets became in debt. (But we got home safely). Afterwards, we phoned the insurance company and they WOULD NOT PAY FOR THE AIRLINE TICKETS. Our insurance was the fully covered insurance (medical, accident, loss of luggage..etc). They WOULDN'T PAY FOR THOSE EITHER. They explained that if you had other companies that cover this insurance then they wouldn't compensate, thus why would you buy this insurance? Say if you bought 2 insurances and only one payed cause the other one notice that you had two so they wouldn't pay, do you reckon that's fair? You payed for two insurances but you only have one. Aren't you supposed to get two? It's like two populace bet that if you were injured then they would afford you $300, but you have only received $150 because being A said that person B already gave you $150, so he wouldn't provide you the $150. Source(s): Personal experience.
1st >>>you'll be properly treated
2nd>>> confidentiality is a must in the medical profession except towards an insurance co.
3rd >>> hospitals are senate owned and clinics are privately owned.
4th >>>not all hospitals/clinics work directly with the insurance companies especially not the private clinics. You will own to foot the bill first and get your money back from your insurance company following on.
I speak out of experience as I am a Belgian expat and have been on medical insurance for over 30 years. When I call round a doctor/clinic in Belgium, I have to pay envelope the bill first, send all the papers to my insurance co to receive reimbursed. Hospitals ask for a written consent from your insurance that they agree to foot the bill. In any case, the reimbursement has other been done without any hassle (we've have different medical insurances over the years)
5th >>> if you follow point 4, you' ll realize you won't be able to keep some info out of your profile unless you specifically ask the doctor to do so which, in my modest opinion, he won't do if the info is really relevant.
6th >>> when you enjoy an insurance, the hospital or clinic will either ask your insurance's consent or, like I said until that time, you'lll have to pay first so you will - surrounded by both cases - have to seek consent from them within case of accident or contained by case you have to stay contained by a hospital or receive some special tests before the hospital will start on them.
Anyway, what do you enjoy to hide if you have an catastrophe?? unless... you have some undisclosed disease or a certain familial medical history that you haven't declared on the other hand to your insurance.
Remain positive! Nothing will happen to you but it is better to be safe than sorry.
I option you well and enjoy an excellent time within Belgium.
Edit :
reference to Kim's comments (sorry for what happened to her) :
You can not be repaid for your medical expenses by 2 or more insurance companies because
1st it wouldn't be honest
2nd you hold to deliver the original bills to your insurance to be reimbursed.
In more than 30 years, never once, did our insurances refuse to repay us. You hold to make sure to choose one that has a solid & honest reputation and read between the lines beforehand you sign your contract as some medical insurances do not repay the travel expenses OR they'll repay only X % of your total medical expenses OR they'll repay your medical bills only up to the amount you would enjoy paid in your own country. Be vigilant. Good luck!
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