Joey G Posted July 24, 2020 Posted July 24, 2020 On 7/22/2020 at 9:34 PM, RBM said: Try 1 cover, have unfortunately used them a few times, excellent back up service. If you read their PDS it says... this policy isn't applicable if: "You are using this travel insurance to substitute with a private health insurance while overseas" If they were to determine you weren't really traveling, but living overseas, they could "refuse to pay a claim and treat the insurance contract as if it never existed." I point this out as I knew a friend who used travel insurance for health insurance... got caught... all claims denied... so it "could" happen if you truly weren't traveling but living somewhere. If you are a traveler... no problem. 3 Link to comment Share on other sites More sharing options...
RBM Posted July 24, 2020 Posted July 24, 2020 5 hours ago, Joey G said: If you read their PDS it says... this policy isn't applicable if: "You are using this travel insurance to substitute with a private health insurance while overseas" If they were to determine you weren't really traveling, but living overseas, they could "refuse to pay a claim and treat the insurance contract as if it never existed." I point this out as I knew a friend who used travel insurance for health insurance... got caught... all claims denied... so it "could" happen if you truly weren't traveling but living somewhere. If you are a traveler... no problem. From my experience this is not correct. Many years I used 1 cover, renewing often while over seas (no longer possible) I made a very large claim during a bad accident, at this time was absent from NZ over 1 year. They could not of been more helpful and considerate, calling every day from Aussie, fully aware I had been absent from my country over a year. I do not dispute what your saying how ever in my cases this difference between a traveler and and a person living some where was never questioned. Situation now may have changed as I have not used them for almost two years. Link to comment Share on other sites More sharing options...
hk blues Posted July 26, 2020 Posted July 26, 2020 On 7/24/2020 at 6:27 PM, graham59 said: They get the money any way they can. Do you think the foreigners pay up front ? As I said ...totally different situation to being a returned home Brit. I don't need google, I have a sister and brother-in-law, both in NHS management positions. Returning home Brits are not eligible for free NHS healthcare if they have been out of the UK for more than 3 months - this is a fact. I'm sure your family members can confirm this. 1 Link to comment Share on other sites More sharing options...
jimeve Posted July 26, 2020 Posted July 26, 2020 23 minutes ago, hk blues said: Returning home Brits are not eligible for free NHS healthcare if they have been out of the UK for more than 3 months - this is a fact. I'm sure your family members can confirm this. As Graham said before, Don't tell them. I have been out of the country for 2 years and returned and have had NHS surgery cost bugger all. 2 1 Link to comment Share on other sites More sharing options...
hk blues Posted July 26, 2020 Posted July 26, 2020 (edited) 31 minutes ago, jimeve said: As Graham said before, Don't tell them. I have been out of the country for 2 years and returned and have had NHS surgery cost bugger all. I don't doubt it Jim - but that's not really the point. That's like saying you don't need to pay for stuff in the supermarket as you can shoplift. Edit To Add - I'm not suggesting you were wrong to do so, Jim - I think it's a poor show that Brits who have contributed to the NHS for decades are turfed out after 3 months away. Poor, poor show. Edited July 26, 2020 by hk blues Link to comment Share on other sites More sharing options...
jimeve Posted July 26, 2020 Posted July 26, 2020 1 hour ago, hk blues said: I don't doubt it Jim - but that's not really the point. That's like saying you don't need to pay for stuff in the supermarket as you can shoplift. No, it's like I have paid into the system all my working life, I know I'm an expat not allowed the NHS service but I'm going to try and get what in my mind is my entitlement. I know of another Brit who went and got a knee replacement, went straight to A&E. 3 Link to comment Share on other sites More sharing options...
graham59 Posted July 26, 2020 Posted July 26, 2020 3 hours ago, hk blues said: That's like saying you don't need to pay for stuff in the supermarket as you can shoplift. Utter nonsense. Stop pontificating about something that you clearly have no knowledge of. 1 Link to comment Share on other sites More sharing options...
Jollygoodfellow Posted July 26, 2020 Posted July 26, 2020 On 7/25/2020 at 7:55 AM, RBM said: Many years I used 1 cover, renewing often while over seas (no longer possible) Looks like it is but depends on a few things like being under 64 years of age. https://www.1cover.com.au/already-abroad-travel-insurance/ Conditions in below link https://www.1cover.com.au/assets/1Cover-AU-Standard-PDS_20200501.pdf/ Link to comment Share on other sites More sharing options...
hk blues Posted July 26, 2020 Posted July 26, 2020 50 minutes ago, graham59 said: Utter nonsense. Stop pontificating about something that you clearly have no knowledge of. At this point I'll bow out and enjoy my 1st beer of the day. 1 1 Link to comment Share on other sites More sharing options...
hk blues Posted July 26, 2020 Posted July 26, 2020 2 hours ago, jimeve said: No, it's like I have paid into the system all my working life, I know I'm an expat not allowed the NHS service but I'm going to try and get what in my mind is my entitlement. I know of another Brit who went and got a knee replacement, went straight to A&E. Yep...and I don't blame you which is pretty much what I said in my post, Jim. Link to comment Share on other sites More sharing options...
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