Many people ask themselves the question, “Do I need holiday insurance?” Strictly speaking, the answer is no. It’s not a legal requirement. But if you frame the question slightly differently into, “Should I have holiday insurance?”, then the answer is an emphatic yes.
Lots of things can go wrong on a holiday. Some, like losing your luggage or finding that it’s been sent to some other country are relatively minor problems. But having an accident or falling ill and needing medical attention; now that can be serious, potentially fatal and very, very costly
The EHIC card for medical treatment in Europe
The minimum type of insurance that you should get if you are going on holiday abroad to a country within the EEC is to get an EHIC (European Health Insurance Card) card. This will cover you for any medical treatment you receive when abroad in an EEC country (plus Iceland, Liechtenstein, Norway and Switzerland). However this only entitles you to that countries equivalent of the NHS. It also should be borne in mind that in some countries, patients are expected to contribute toward their medical expenses. If this happens to you, and you don’t have holiday insurance in place you may or may not be able to reclaim your costs.
Another thing to consider is the speed of treatment and the language. If you fall ill, you may find it takes a long time to get treated by the local national health service. You may also find difficulty with the language. They may not speak English. That’s why most ex-pats take out private medical insurance. They know they’ll get fast treatment, and 99 times out of a hundred, the doctor will speak English.
The high cost of hospital treatment abroad
The fact of the matter is that if you fall seriously ill or get injured when you’re abroad on holiday, and you need hospital treatment, it could cost you dear. According to Sainsbury’s Finance, the average cost for hospital treatment abroad is £2,040.
The most expensive country for hospitalisation is the United States where the average cost of a hospital visit is £6,000. The next most expensive is Thailand at £2,750, with the Canary Islands coming in, in third place at £2,500. It’s all too easy to get caught out. In some countries for example, even though they have a national health care system, ambulances are operated and charged privately.
Even simple out-patient treatment can be expensive. The average for treating an insect bite abroad is £200 per single treatment; treatment for an ear infection averages out at £274 per single treatment, and treatment for a head wound or bronchitis averages out at £450 per single treatment. It is a fact of life that private medical care is the best. It attracts the best doctors, they have the best and latest equipment, and you can get seen and treated when you need to be. It’s why Broadgate Clinic London Wall, here in the heart of the City is so sought after.
The best in private clinical treatment – Broadgate Walkin Clinic London Wall
The fact that Broadgate Walkin Clinic London Wall sees people without an appointment makes us even more in demand. It works for people who live and/or work in London and who have busy work schedules to contend with, and it works for visitors to the City who suddenly feel ill or have an accident. They know that they can get the very best in private clinical practice when they need it and, if they have appropriate holiday insurance in place, that their insurers will reimburse them for the cost