Medical,Repatriation,What,You, travel,insurance Medical Repatriation: What You Need to Know
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Medical repatriation is something that no one wants to think about when they go on holiday overseas. Luckily, however, it is something that is usually included in travel insurance policies. Here is a guide to repatriation, including why just filling out an EHIC form (for the European Health Insurance Card) is not enough to ensure you're covered.What Is Medical Repatriation?Medical repatriation is when you are transported to your home country for further medical treatment after being hospitalised overseas. For example, if you are paralysed following an accident and require round-the-clock care, you may have to stay overseas for a very long time while you receive treatment. You may prefer to return to your home country to continue treatment, where your family and friends will be able to support you, but this often requires specialist medical transport rather than simply catching a flight – and the costs of this can be astronomical.Why Does the EHIC Not Cover You for Repatriation?It's a great idea to fill out an EHIC form and get your free card before you go overseas, however, the card only provides cover for the same level of public healthcare that a resident of the country you're visiting would receive. So, although you will receive decent medical treatment, you would not be able to get your repatriation costs covered.How to Make Sure You Are CoveredUnless you unlimited money, it's vital you have a travel insurance policy that will cover the costs of repatriation if needed. Fortunately, this is something that is very often covered on basic insurance policies. The costs are often covered up to as much as £5 million or £10 million, and buying a private policy is the only way to ensure your peace of mind in terms of repatriation.Check the Details CarefullyAlthough the majority of travel insurance policies cover medical repatriation, you should always carefully check the details before you travel, as some may have situations in which you will not be covered. For example, most policies will have a list of activities that they will not cover you for if you become injured. These are often risky activities like bungee jumping and skydiving, but they can also include other activities that you may consider to be safe. If you do one of these activities and sustain an injury your insurer is unlikely to pay the costs of your treatment or your repatriation.If you have filled in an EHIC form and you have your card with you, you can at least get access to public healthcare in the event that you are not covered by your insurer, but, unfortunately, this will not cover your repatriation costs.Prepare ProperlyNo one wants to think about the possibility of needing medical repatriation, but it is a situation that many travellers do end up in when they go overseas. You should fill out the EHIC form to get your free card for all the benefits it provides, but you'll also need a separate policy to cover repatriation so you don't face the prospect of being stuck abroad for any length of time while receiving treatment.
Medical,Repatriation,What,You,