No Automatic Free Access to NHS: MediCare International Highlights Changes to the UK System for Expatriates in Europe
LONDON, June 3, 2010 /PRNewswire/ -- Long term health insurance in another country is an area UK expatriates will often not have considered in any detail, particularly if they were used to the free care available in the UK. The NHS is a residence-based healthcare system. Therefore, once a person has moved permanently away from the UK they are no longer entitled to medical treatment under normal NHS rules. However, some overseas residents in receipt of UK State Pensions and some other benefits may be able to access limited paid for cover under the E121 scheme locally.
Medicare International's (http://www.medicare.co.uk/) own research suggests many UK nationals who retire abroad to European countries such as Spain think that they will be fully covered locally via what used be known as the E111 facility. Many are still unaware that a replacement system, the European Health Insurance Card (EHIC) is now in place and E111s have not been valid for at least three years. Whilst the European Health Insurance Card entitles short-term residents to reduced-cost and sometimes free medical treatment in the EU, Iceland, Liechtenstein, Norway and Switzerland, it should not be seen as a replacement for proper, comprehensive health insurance.
The retired expatriate market is therefore one which presents many challenges for insurances companies. Medicare International ( http://www.medicare.co.uk/) are one of a small band of insurers who can insure new applicants from any adult age right up to and beyond age 80 years. Inevitably there are some limitations to the cover and in particular, Medicare International will medically underwrite all new applicants age 65 years and above. In effect this means that pre existing conditions declared on the medical questionnaire would be excluded from future cover.
David Pryor comments, "The retirement market is one which our experience tells us is likely to be more sensitive to claims than the norm, This is partly a function of age, but from a psychological perspective, if a client is feeling unwell, they are less likely to take a risk with their health abroad than if they were in the UK, where friends and family might be on hand to help take care of them. In practice, this means they will probably go to the Doctor more often."
David Pryor continues, "Our advice to anyone planning overseas retirement is to budget for some element of international health insurance, preferably with a 24 hour assistance facility to assist with both foreign language and of course to access to hospitals and Doctors in country, because in the event of serious ill health, they cannot normally simply return to their country of birth and once again access the state system free of charge."
With over 25 years experience of supporting the international business community worldwide and clients from 86 nationalities in 114 countries, Medicare International (http://www.medicare.co.uk/) - website http://www.medicare.co.uk - is a major provider of health insurance for expats across the world.
For details of MediCare's International health insurance plans visit http://www.medicare.co.uk, email firstname.lastname@example.org or call +44(0)20-7204-3700.
Note to Editors
MediCare International has been speaking fluent healthcare for over 25 years ensuring simple, quick access to the best health facilities for expatriates of all nationalities living or working abroad and protection against the costs of inpatient and outpatient medical treatment. Currently, MediCare International has clients in 114 countries worldwide of 86 different nationalities.
MediCare specialises in designing flexible medical insurance cover backed up with the assurance of 24-hour emergency medical assistance for clients and their families. Help, advice and support are only a telephone call away where trained professionals can authorise treatment/settle bills direct with medical facilities, or arrange medical evacuation when necessary - wherever you are in the world. Most medical bills are refunded within 10 days, making this one of the fastest settlement times in the industry.
MediCare International were one of the first insurers to offer genuine chronic care costs cover, so clients with long term medication costs can rest assured knowing they will be covered.
Cover under group plans is also available to most local nationals. Discounted group rates start with just 3 lives and full medical history disregarded exemptions are available on groups of 10 and over, making Medicare one of the most competitive staff cover providers.
For further information on MediCare International, please contact: Guy Stephenson/Jenny Duffy Nacelle Limited Tel: +44(0)20-8333-9125
SOURCE MediCare International