Sudden medical-bills especially while on a tour to any European country can be now protected only by means of EHIC-insurance scheme. This card is absolutely of no charge and thus you can easily acquire the same before your travel. In fact, acquiring EHIC-card is now treated as one of the most important part of tour-planning to Europe.
There are many people who think that E111 is nothing but the most suitable alternative to travel-insurance but this is completely wrong information. Travel-insurance can fulfill private-medical expenses but EHIC-insurance does not deal with the same. You should read out the clauses and regulations under this insurance for making safe application of the same.
Refund-claims using EHIC-cards:
In many European countries, the medical-expenses need to be barred first and then the refund can be claimed easily under EHIC-insurance. Refunds should be always applied before returning back hometown otherwise you might face a great difficulty in receiving your claims. All necessary documents including receipts need to be produced for receiving the claims legitimately.
Therefore, you should collect all documents from your hospital or clinic for availing the claims ion time. You can make as many copies of the original documents as you can so that you can keep them for references. Even if the original ones get misplaced you will surely remain with the copies. The documents will be verified properly first and if the insurer gets satisfied then only your claims will be released.
The refund-guide often differs from one country to another, therefore, you have to check out the refund-guide of your respective country first as this will definitely help you making application for a medical-cost refund online. Some countries ask for co-payments where mainly prescription-expenses are included. Therefore, before you travel you should ascertain that whether the country is asking for co-payment or not.
Co-payment is absolutely non-refundable and thus you cannot include the same within your refund-application. In this respect, department of overseas-healthcare can be definitely contacted for getting the best solutions of your queries. You can definitely contact the customer-care at any point in time if you have any confusion regarding the refund amount to be claimed. If you want to receive refunds duly then you have to choose only public hospitals or clinics that have been mentioned within the application form.
Only after proper verification, reimbursements are being made. If you have any pre-existing diseases and the symptoms become chronic during your travel then you might not receive your claims. Full-costs are not always being compensated as per the reimbursement-policies under the concerned travel-insurance. Sometimes, the part refund is also made on the basis of verification-reports. Those treatments that have already been made a fee for citizens are not eligible for refunds. Therefore, you should raise your refund application after considering this criterion only.
The reimbursement laws of the country where you have received the treatment will be followed in case of refund. The costs of the treatments will be ascertained and then only the actual claim amount will be approved by the E111 insurer.