 Poster: A snowHead
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In the event of treatment required, does your insurance company expect you to pay out initially and make a claim on return to Britain or country of residence
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Will the insurance company pay out allowing treatment to happen following conversation with hospital medical staff
Which travel insurance company / level of cover do you have?
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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1969jma, you are expected to show your E111 card. Keep receipts and for most of it you reclaim from the DWP in Newcastle (google for telephone number, register claim number and they send forms, your complete and it takes a few weeks) The refund is close to what you may have spent +/- 10% ish from my experience. Any stuff which you cannot gain reimbursement for should (hopefully) be covered by your insurance policy. The insurer will require you to complete the DWP as they won't pay for stuff you have statuory cover for. The insurer is for piste rescue etc (read policy dox)
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Well, the person's real but it's just a made up name, see?
Well, the person's real but it's just a made up name, see?
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1969jma, it's vital to speak to the insurance company immediately, and follow their instructions. My brother in law ignored this advice and did a kind of "DIY" job (the recovery off the mountain was covered under carte neige insurance with ski pass) and turned up for a busy easyJet flight from Geneva with his wife in a full leg brace.  easyJet were extremely good and booked her three seats for the following day at no extra charge, but they had an expensive night in geneva, taxi fares, etc etc etc. he went home with a sheaf of receipts and I suspect he got little back (he's been a bit tight-lipped about it and I didn't like to ask direct).
In contrast, my daughter in law, with identical injury, had private ambulance to Lyon for BA scheduled flight to Bristol (nearer their home than the TO flight) then another private ambulance to home, so that she could keep her leg up, as prescribed. All arranged direct by the insurance company - very efficiently. that cover was with Snowcard.
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You need to Login to know who's really who.
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Jivebaby, depends on your insurer, Direct Travel dealt with the DWP stuff for us and paid all the bills.
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Anyway, snowHeads is much more fun if you do.
Anyway, snowHeads is much more fun if you do.
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Yes, snowcard picked up the bills (not big ones) for the treatment in La Plagne for my DiL's leg. Whether they negotiated anything back from DWP I have no idea. They would have flown her home immediately if she'd wanted that - she obviously couldn't ski - but she opted to stay in the chalet and be sociable for the rest of the week. My OH was flown home under insurance because a freak tornado took half the roof off our house in the UK - again, they arranged everything, just told him when the taxi would be arriving. We paid out nothing. They would have flown me home too, but it was first day of the holiday so I elected to stay on and ski and travel home, as previously arranged, by train via Paris.
Recently we've been fortunate and only had minor things, not worth claiming for, but when we did have insurance claims, we were impressed.
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You'll need to Register first of course.
You'll need to Register first of course.
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pam w, we know they did claim from DWP, as J had to sign a form for them to do it.
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So what is covered under the European Health Insurance Card - Broken bones, dislocations, head injuries ?
What's covered , what's not ?
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1969jma, your EHIC card provides you with exactly the same health care as a French citizen, so all of the above are covered, but not in the same way as they would be in the UK .
They pay a fee to the doc (about 30€), and pay about 20-30% of the rest of their healthcare costs, or cover it with private medical insurance (often through their employer). Hospital care is charged at a daily rate (about 18€). Your insurer will pick up what the DWP don't. Private clinics in resort will also have charges for x-rays etc.
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You'll get to see more forums and be part of the best ski club on the net.
You'll get to see more forums and be part of the best ski club on the net.
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Has anyone experience of breaking bone, dislocation to know approx cost of such injuries
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Answer to first yes, I have to pay for initial GP, pharmacy, physio bills I then reclaim in England less 15% excess, payable on receipts. All hospital bills are paid centrally. I have been billed for rescue by 'security de piste' but after a curt conversation by telephone, fax and e-mail the insurance company realised their error and paid.
I carry a year round policy covering teaching, off-piste and any winter pursuit, but have to notify and get permission for Ice climbing, skidoo racing, and Competition ski racing where timing is involved.
I would not rely on anything other than a wintersport policy, some seasonaires I know use carte neige, but they live there, that will also repatriate. But as the advert on tele shows none, or inadequate isn't cheap.
1969jma, As far as Eurocard is concerned look it up on their site.
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snowHeads are a friendly bunch.
snowHeads are a friendly bunch.
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The costs are?
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And love to help out and answer questions and of course, read each other's snow reports.
And love to help out and answer questions and of course, read each other's snow reports.
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1969jma, Is this a survey or do you have a specific problem? 
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survey Jivebaby, there seems to be a large range for what people are paying and some missing small print
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You know it makes sense.
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1969jma, I am talking about France above. My husband broke his neck. He had holiday insurance and spent a week in hospital. There were no 'up-front' charges apart from 30€ at the doctors. If he had x-rays there instead of at the hospital I think that would have been charged for too. But they would be claimed back from your holiday insurance. Hospital cost 18€ per day, and there was a charge from the emergency department at Briancon hospital (possibly for an MRI or CT scan).We weren't charged immediately, there was a bill sent to us later which was forwarded to the insurers. I gave the hospital in Grenoble the EHIC Card, and our insurers details and they dealt with them direct. Ambulance company also dealt directly with insurers.
Last year he received a letter from the French health care system CPAM listing the costs of the operation. It was around 12000€ in total. Weeks stay in hospital, 3 hour emergency op to fix a broken verterbrae in the neck. However the 'balance' of the bill (which was marked as paid) came to about 126€ (7 x the daily hospital charge).
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Otherwise you'll just go on seeing the one name:
Otherwise you'll just go on seeing the one name:
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1969jma, what missing small print?
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Poster: A snowHead
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1969jma, From experience of a broken wrist in La Plagne. The costs were La Plagne medical centre, which is private and everyone pays! €60.
Moutier hospital overnight stay showed EHIC card total cost €17
Medicine and 'district nurse' visits for 3 days €70
(As we know the area no piste rescue or ambulance costs as we drove our car down to A+E in Moutier)
Informed Dogtag insurance from the begining. All costs put on credit card receipts kept and refunded to our bank account within 14 days. (Before we even paid the credit card statement!)
A previous accident with another insurer took over 6 weeks to pay out and then only following my threat to visit their offices in Farnborugh!!
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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Reading the above, experience varies. Personally, in France I have found that the in-resort doctor was private and did not accept EHIC. I had to pay all medical costs up front. EHIC was relevant, though, in that I kept the prescription stickers and handed them over to snowcard. I had to claim back costs from snowcard, who met their obligations under the insurance. They were also very good at (without me paying up front) getting me to the airport, arranging for extra seating, and getting me home from Gatwick. As has been said above, get in touch with our insurer promptly.
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Well, the person's real but it's just a made up name, see?
Well, the person's real but it's just a made up name, see?
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Fractured vertebra in La Plagne.
180€ (if I remember correctly) bloodwagon down to Champagny.
76€ for x-ray and painkillers from doctors in Champagny.
For some reason my 3 night stay in Moutiers hospital cost 200€ per night (after EHIC discount), don't know why that was so expensive compared to everyone else, perhaps because I nominally required specialist care??
Then private ambulance to Chambery, private medical flight to Bristol, private ambulance home - no idea how much that cost, presumably several thousand pounds!!
The only thing I paid for myself was the x-ray in Champagny (actually the company I was working for paid that for me since I didn't have the means), that was refunded to them. Bloodwagon was held (after they took my details and stuff) and then paid by my insurer later, when I was back in the UK. I informed my insurer as soon as I got to the hospital and they got an assistance company involved who sorted everything out from that point, they were really very good.
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You need to Login to know who's really who.
You need to Login to know who's really who.
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Broken ankle, 2010:
- initial consultation and X-ray - 114€
- follow-up consultation and x-ray - 107€
- pharmacy (drugs, crutches, ankle support) - 177€
- MRI scan - 131€
- specialist appointments - 140€
Fractured vertebra, 2011
- initial consultation and x-ray - 127€
- ambulance transport home from CHU - 60€
- follow-up appointments, misc etc - about 100€
Piste rescue and initial transport covered by insurance. Most of above expense covered by state healthcare/mutuelle insurance (in the case of a British holidaymaker, NHS/travel insurance), but that's what I had to fork out up front.
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Anyway, snowHeads is much more fun if you do.
Anyway, snowHeads is much more fun if you do.
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1969jma, Not impressed. I quite like the idea of helping fellow Snowheads on a random kindness basis as I've benefited from timely advice and advice in the past, but undeclared survey's for no apparent reason -perhaps not. This probably says more about me than it does you -but that courtesy, at least from my end would have been appreciated. 
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You'll need to Register first of course.
You'll need to Register first of course.
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Jivebaby, I agree, unpaid market research is something I never take part in, and when I was involved one needed a licence.
I notice most are not putting a company name or cost so this data so far is unsaleable, but as a model may be usefull.
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Jivebaby, Cynic, it took me about 5 seconds to write and I don't really care what he's using it for since it's hardly personal information...
Plus it's actually quite interesting to see what other people's experiences are.
Although I agree courtesy would be nice etc. etc.
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I agree it would be courteous if the OP shared some information himself, or even thanked those who have replied.
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You'll get to see more forums and be part of the best ski club on the net.
You'll get to see more forums and be part of the best ski club on the net.
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My apologies if offended anyone. The survey was for personal curiosity not commercial.
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FAQ
