Varför rekommenderas reseförsäkring när det finns ömsesidig hälsovård?

7

I Hälsovård för australierna i Nya Zeeland , står det

Because Australians temporarily visiting New Zealand are eligible for publicly funded health care on the same basis as New Zealand residents, user charges apply in most cases to visits to a General Practitioner, for GP referred laboratory and diagnostic tests, private specialists and prescription items. Private travel insurance may cover these extra charges and it is strongly recommended that all visitors to New Zealand take out comprehensive travel insurance (including health cover) before they arrive in the country.

Jag är i mitt fall en australiensisk medborgare som besöker Nya Zeeland, men det kan vara relevant för andra människor som besöker ett land med ömsesidiga hälsovårdsavtal.

    
uppsättning Andrew Grimm 28.12.2014 05:10

3 svar

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Smartraveller.gov.au-webbplatsens råd för Nya Zeeland ger lite mer detaljer om varför du vill ha reseförsäkring, till exempel sjukvårdskostnader utanför Nya Zeeland eller medicinsk evakuering efter en olycka:

Australians seriously injured in accidents in New Zealand may suffer significant financial losses from loss of income or medical expenses on return to Australia. New Zealand’s Accident Compensation Act 2001 generally removes the right to sue for losses arising from personal injury sustained in accidents in New Zealand (e.g. motor vehicle or adventure sports accidents). The Act also excludes Australians from obtaining the ongoing income support provided to New Zealanders and from coverage of any medical expenses outside New Zealand. Also not covered is illness, medical evacuation following an accident, disrupted travel plans, lost deposits, assisted emergency travel home or travel for a relative to visit you. For more information visit the Accident Compensation Corporation (ACC) website.

We strongly recommend that you take out comprehensive travel insurance when travelling to New Zealand. We also strongly recommend you obtain separate personal accident or income protection insurance policies that will cover lost income or medical expenses in Australia arising from accidents in New Zealand. You should understand what activities and circumstances are covered by your insurance policy.

Ensure the travel insurance covers any overseas medical costs, including medical evacuation, before you depart. Confirm that your insurance covers you for the whole time you'll be away and check what circumstances and activities (including adventure sports / activities) are not included in your policy. Remember, regardless of how healthy and fit you are, if you can't afford travel insurance, you can't afford to travel. The Australian Government will not pay for a traveller's medical expenses overseas or medical evacuation costs.

...

New Zealand and Australia are signatories to a reciprocal health care agreement. The agreement provides Australians with access to government medical facilities and care but does not provide for ongoing treatment of existing health conditions. In addition, the agreement does not cover additional accommodation costs, flights for family members or medical repatriation to Australia. The Reciprocal Health Care Agreement does not replace the need for travel insurance. See Medicare Australia's website for more information.

    
svaret ges 28.12.2014 05:10
3

Ömsesidiga avtal kommer normalt att täcka den aktuella sjukvården, men det kan vara andra kostnader som är inblandade i att bli sjuk / skadad utomlands som inte kommer att täckas. Boendekostnader kan vara betydande om nödsituationen försenar ditt hemresa. Om du är på sjukhus på längre sikt kan kostnaden för transport hem i den skadade staten vara mycket hög (även ett enkelt brutet ben kan resultera i att du måste betala för flera platser).

En annan övervägning, inte så relavent till AU- & NZ-fallet, men mycket relavent att säga AU-> Storbritannien är själva resan. Om du har en medicinsk nödsituation när du reser så kan du hamna på ett sjukhus vid vilken plats som helst eller till och med på någon plats längs vägen.

    
svaret ges 03.07.2016 17:06
0

Förutom oväntade utgifter om du drabbas av skada i det andra landet kan du ha ett hälsoproblem i ditt eget land som förhindrar dig att resa och reseförsäkring täcker kostnaden för din jouney som du aldrig haft.

    
svaret ges 28.12.2014 22:02