You need to check what exactly is covered by this policy when travelling. The policy document/terms and conditions should clarify. Then you can decide if you need separate travel insurance cover in addition to this and the EHIC.I have a good laya Private Health Insurance plan and my question is, from a medical viewpoint, do I need additional travel insurance when traveling within the EU.
I presume this mean EHIC?I am aware of the EHCI card and the state medical cover it provides and very good cover it is. Have several times over the years had very good experiance using it..
See above.Just would like to know if private health insurance plans , as a member of the EU, provides the same private health cover in the rest of the EU as in Ireland.
In the vast majority of cases it will not be the same cover, and you'll be limited to more emergency type cover while abroad, perhaps with repatriation cover to bring you back here for issues requiring more prolonged treatment. So it will be patch you up and get you home cover rather then rock up to a hospital in France looking for a hip replacement.Just would like to know if private health insurance plans , as a member of the EU, provides the same private health cover in the rest of the EU as in Ireland.
I doubt it since the EHIC (not EHCI) covers public hospitals/care only while private insurance likely also covers private institutions and care.It looks like the state provided EHCI card is the better cover than private health insurance for EU travel, there is an irony somewhere in this.
My Family are on this plan.Thanks all above for reply.
I have a vested interest in this topic as myself and my wife are in our senior years with existing conditions requiring occasional monitoring.
I suspect a lot of people, young and old, have various existing issues, which if they flared up during travel (EU), would be denied cover by the "EmergencyCover" restrictions in a lot of private health insurance policies.
"An emergency is defined as the onset of an acute illness which is sudden, unforeseen and requires immediate action and which prevents you from returning home to receive treatment."
The "sudden" and " unforeseen" part of the above sentence is my worrying.
My original post had two elements, the actual insurance cover and the EU claim of freedom to provide services.
I feel I now know where I stand regarding exclusions on the private health insurance cover
It looks like the state provided EHCI card is the better cover than private health insurance for EU travel, there is an irony somewhere in this.
I have the laya SimplyConnect Plus policy, which provides pretty good cover in Ireland, but only provides cover for emergency issues while travelling, but excludes existing medical conditions. This worries me a bit, thankfully, I do have the EHCI card (thanks ClubMan) which is does not seem to limit it's cover within the EU. In my case it will be Spain.
I would interpret this to mean any existing medical conditions (diabetes, cancers, respiratory, cardiac, etc) are no longer covered once you travel outside Ireland. Irish private health insurance cover is throttled back within the EU.
Thanks again for input.
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