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The Importance of Medical Travel Insurance

Pubdate:2010-01-28Source:Sky Insurance
When traveling abroad on holiday, no one expects to fall ill, and if you are visiting overseas destinations it really is important to give some thought to the healthcare available and how to deal with an unforeseen medical situation in a fo

When traveling abroad on holiday, no one expects to fall ill, and if you are visiting overseas destinations it really is important to give some thought to the healthcare available and how to deal with an unforeseen medical situation in a foreign country. The unfamiliar environment can contribute to great distress for the unsuspecting tourist. Having to communicate in a foreign language with different and unfamiliar customs and the inability to understand what is happening can be very frightening. It is important to know that there are some unscrupulous medical centres around, particularly in popular tourist resorts where they prioritize financial considerations over quality of treatment and there are plenty of pitfalls to affect the unsuspecting tourist.

In Europe most countries have a very robust State healthcare system that provides the very highest levels of medical facilities and expertise. Generally if you fall ill, there is no shortage of medical care available, however, if you travel to Southern Europe, along the Mediterranean coast, (this area includes countries such as Spain, Portugal, Greece, Turkey, Cyprus etc.) you may find that, although there are State Health facilities, many private outpatient and inpatient hospitals have been built specifically to deal with the tourist market and one needs to take certain precautions if medical attention is required.

Often in these countries there is a whole network that has been established to take tourists directly to a private hospital or its affiliate outpatient centres where they commence an elaborate treatment regime which is often very expensive and often clinically unnecessary, purely for monetary gain. If you have traveled without Travel Insurance or without a reputable insurance product, this can lead to great personal hardship with treatment costs often ending up in thousands of dollars.

One infamous example of this type of abuse, which has been highly publicized in the European Press, occurred recently in Corfu. It was found that numerous tourists, who, after suffering a minor fall which resulted in a mild ankle sprain, were being x-rayed and operated upon under general anesthetic for a procedure which was not medically appropriate. Not only was this potentially life threatening and likely to cause unnecessary complications but also very expensive the average cost being $20,000. Incredibly these clinics are still operating unabated today.

Many of the hotels in major tourist resorts will also offer free health checks particularly to the elderly. Beware, Most elderly people will have some underlying medical condition which is maintained with regular medication prescribed by their GP. There have been numerous cases, where people have gone to these health checks with a medically stable condition and found that their treatment regimes were being altered which then caused complications resulting in admission to a private hospital and the loss of a holiday.

Additionally, hotels, taxis and even travel reps are often given commissions for taking tourists to a private clinic and indeed in many tourist resorts the ambulances are provided by the private hospitals purely to capitalize on the tourist dollar. For example, it is quite common in an emergency for a patient to be driven past a major State Hospital with all the appropriate emergency facilities and be admitted instead to an inferior private clinic. This is because the private hospital network is funded largely by the tourist market.

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