Briton's Dream Anniversary Trip to Thailand Turns into a Medical Nightmare

[madmitch]

7 hours ago, kwaiYai said:

You have to declare ALL pre-existing conditions to the insurance company because if you don’t and there’s a big payout, they will want to see your medical records. If you get hit by a truck but do didn’t declare you had high blood pressure, they will use that as a get out. For the insurance policy you have to sign to agree with this.

I don't know where you are from but in the UK under the 2015 Insurance Act this practice is no longer permitted and insurance companies that attempt to decline a claim due to a breach of a clause or warranty that has no bearing on the claim will have problems from the regulators. If you haven't declared high blood pressure and have a totally unrelated accident for which you are hospitalised, your insurance will pay out (subject to no other breaches occurring of course).

[rwill]

5 hours ago, Kerryd said:

Wow - these scam "news" articles are being posted at a rate of what, one every 2 days now ?

You left out the inflated hospital costs.

[madmitch]

11 hours ago, Jimjim1 said:

I myself travel with £10,000,000 cover BUT trying to get a definitive answer from them when it comes to ALL of the things they will cover and take responsibility for is not easily forthcoming, so one lives in fear that in the event of something untoward happening one’s insurance company will be for armed with a way of getting out of it that it did not impart at the time of taking out the insurance.

 All UK and EU consumer insurance products, which includes travel insurance, by law must include an Insurance Product Information Document (IPID), which should contain, in simplistic terms, all the major risks covered and all the major exclusions.

 

If you don't find what you're looking for on this, there is the insurance policy. If it's stated as covered on the policy, it's included. If it's not covered on the policy, or appears in the exclusions, it is not included.

Consumer policies are now written in relatively simple language in order to make them understandable by members of the public with no knowledge of specialist insurance terminology or legalese. 

 

I'd like to know what you mean by stating that coverage info is not forthcoming. It's right there in front of you, written in the policy. 

 

 

 

 

[madmitch]

6 hours ago, Chongalulu said:

Unlikely, travel insurance almost always starts with inclusion of medical insurance. So I'm inclined to start with the assumption, given the nature of her illness which would ordinarily be covered,that there was some undeclared pre existing condition which came to light during the claims process 

There are a number of "freebie" "travel insurance" policies out there that are nothing more than basic personal accident coverages. Airlines, credit card companies offer them among others. People are sometimes mistaken into thinking that these policies would cover the full deal. Many of them don't. Know what you're buying (or being given)!

[Liverpool Lou]

10 hours ago, hotandsticky said:

10 hours ago, newbee2022 said:

Oh no, the Brit's again. When will they learn??🥺😕😳😵‍💫

 

You just can't escape your racism, can you.....

Nothing racist about his comment.

[mogandave]

9 minutes ago, Liverpool Lou said:

Nothing racist about his comment.

British is not a race?

[Liverpool Lou]

7 hours ago, peter48 said:

Surely this is why we take out holiday insurance? Can someone explain to me why their holiday insurance cover purchased in UK would not pay for these emergencies. Moreover do we know the UK insurance company involved. 

They took 31 days of cover for a trip to India.  That expired.  Then they came to Thailand, a country for which, even if their policy had not expired, they would not be covered

[Liverpool Lou]

7 hours ago, Chongalulu said:

Unlikely, travel insurance almost always starts with inclusion of medical insurance. So I'm inclined to start with the assumption, given the nature of her illness which would ordinarily be covered,that there was some undeclared pre existing condition which came to light during the claims process 

Someone has already posted the reasons...their travel policy was for India only but had expired anyway.

[Liverpool Lou]

6 hours ago, Mangkhut said:

The interesting here apart from the womans wellbeing is why does the medical insurance the couple have dont cover this or at least some of the expences? 

The reasons have been posted here already...twice.

[Liverpool Lou]

6 hours ago, smew said:

Thailand top destination for retired people......NOT.... crime, pollution, double pricing and insurance companies rip offs and not wanting to cover ….

 

 

What's the "insurer rip-off" in this case?

[Liverpool Lou]

4 hours ago, Deerculler said:

These people had insurance and obviously it was not good. Insurance companies are rotten.

What makes you post, so rationally, that insurance companies are "rotten" when around 90% of all insurance claims overall are paid?

[Liverpool Lou]

15 minutes ago, mogandave said:

British is not a race?

No.  But, even if it was, his comment was not racist.

[cardinalblue]

I guess they spent their savings to do foreign travel…

 

My issue isn’t traveling but not having sufficient funds to cover emergencies first and then a second pot of money for travel, hobbies whatever especially as one ages 

 

 

[mogandave]

6 minutes ago, Liverpool Lou said:

No.  But, even if it was, his comment was not racist.

It was a joke

[happysoul]

7 hours ago, MikeandDow said:

Why??

To buy your shares 

[ifmu]

16 hours ago, frank83628 said:

Why, the ice isn't tap water

are you sure ?

[jori123]

Air India,book 3 seats in a row 

 

[Toby1947]

Indian ice straight from sewer water 😡

[sambum]

22 hours ago, Jimjim1 said:

I agree with you 98% with the other 2% being taken up by the reality that insurance companies apart from bankers are probably the most corrupt companies on the planet, every action they take is underhand and designed to remove themselves from the responsibility that we all trustingly pay them for.

I myself travel with £10,000,000 cover BUT trying to get a definitive answer from them when it comes to ALL of the things they will cover and take responsibility for is not easily forthcoming, so one lives in fear that in the event of something untoward happening one’s insurance company will be for armed with a way of getting out of it that it did not impart at the time of taking out the insurance.

I have commented here in the past about travellers duty to themselves and others regarding 100% foolproof insurance but on reflection I would dearly love to know how one can find it.

 

I took out medical insurance many years ago, and had to go to a specialist dental hospital in Bangkok for treatment which eventually ended in a root filling and crown. The insurance company paid for it, but a few years later, I had the same problem with another tooth, and they said they wouldn't pay for it as I had "made a similar claim before". So you're only covered for toothache once in your lifetime?

[Harrisfan]

23 hours ago, OneMoreFarang said:

They should be old enough to know that you better make sure you have a decent health cover when you travel.

They are Brits. They don't know these things.

[Harrisfan]

21 hours ago, Nick Carter icp said:

 

   Irish people don't like British people .

Its xenophobia more than racism 

Due to history not race

[steven100]

has their GoFundme raised anything yet   ?

[Nick Carter icp]

Just now, Harrisfan said:

Due to history not race

 

   You can see by the way they hate Israel and Jews and they way they dislike foreigners to see that they are naturally hateful people 

[Harrisfan]

Just now, Nick Carter icp said:

 

   You can see by the way they hate Israel and Jews and they way they dislike foreigners to see that they are naturally hateful people 

The Irish?

[NoshowJones]

21 hours ago, Nick Carter icp said:

 

   Irish people don't like British people .

Its xenophobia more than racism 

" Irish people don't like British people ."  Don't you mean the English maybe because of their history with the Irish Republic?

Their is no dislike with the Irish and Scottish.

[Nick Carter icp]

9 minutes ago, sambum said:

 

I took out medical insurance many years ago, and had to go to a specialist dental hospital in Bangkok for treatment which eventually ended in a root filling and crown. The insurance company paid for it, but a few years later, I had the same problem with another tooth, and they said they wouldn't pay for it as I had "made a similar claim before". So you're only covered for toothache once in your lifetime?

 

   Was you deliberately trying to get insurance to pay for your dental work ?

[NoshowJones]

21 hours ago, hotchilli said:

And affordable health care

Is there any affordable insurance for older people, some with previous health conditions who want to travel? The real problem is the greedy insurance companies.

[Harrisfan]

1 minute ago, NoshowJones said:

Is there any affordable insurance for older people, some with previous health conditions who want to travel? The real problem is the greedy insurance companies.

Sick people should stay home

[Nick Carter icp]

1 minute ago, NoshowJones said:

 

Their is no dislike with the Irish and Scottish.

 

   You mean that Celtic and Rangers have a great friendly time all drinking together and mixing well in Old Firm games ? 🙂

   There's no such things as sectarian violence ? 🙂

[NoshowJones]

20 hours ago, blazes said:

Surely, the first mistake they made (apart from not having sufficient insurance) was spending time in  India, the filthiest place in the world.

I would have thought that was China. Is that not where the pandemic started? Or should I say the Chinese Virus?