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  1. #1
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    Medical cover in europe

    If you had to go in a chamber in Europe, does the EHIC or, whatever itís new name is cover chamber costs as the nhs would?

    Been diagnosed with a PFO and have got dive medical signed with limited diving that am happy to comply with.

    Iíve asked DAN but not had a reply yet as to whether I would be insured against a bend if I am diving within medical recommendations but not had a reply yet.

    Have a trip later in the year to Malta which has been planned for ages and want to do.

    Any information would be greatly appreciated.

  2. #2
    Established TDF Member Energy58's Avatar
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    The chamber is part of the main hospital in Malta so probably (emergency care is free with the card except for outpatient prescriptions) but I think I would want to know for sure...

    I would be surprised if DAN didn't cover you though

  3. #3
    Established TDF Member Paulo's Avatar
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    I thought EHIC was between EU member states only? Or was this agreed as part of the Withdrawal Agreement?
    JJ wanker

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    Established TDF Member Nickpicks's Avatar
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    Quote Originally Posted by Paulo View Post
    I thought EHIC was between EU member states only? Or was this agreed as part of the Withdrawal Agreement?
    We now have 2:
    a UK GHIC card which covers us in the EU, but not Norway, Iceland Switzerland or Lichtenstein, and may have other countries added in future
    OR
    a New UK EHIC (if you have rights under the withdrawal agreement) which covers the EU including Norway etc, but not "other countries may be added in future"

    Red tape? We're getting rid of that aren't we?
    Proud to be a boring health and softy crap following sissie!

  5. #5
    Established TDF Member Chrisch's Avatar
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    Whatever you end up deciding do not rely on the NHS cover for any healthcare outside the UK itself. I think you have done the right thing asking DAN but I would be very surprised if you get a clear unambiguous answer. Personally I would take out specialist insurance that explicitly incudes the known condition. Before I paid for the insurance I would read the policy - in full.

    I wish you luck. 50% chance or greater we will be locked down again anyway.
    We give £350m a week to the EU. Let's give it to Dido Harding instead.

  6. #6
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    Simple answer - get DAN

  7. #7
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    Quote Originally Posted by graham_hk View Post
    Simple answer - get DAN
    I have Dan insurance and have asked if they will cover a known pfo, waiting on an answer.

  8. #8
    Established TDF Member Chrisch's Avatar
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    Quote Originally Posted by jacko View Post
    I have Dan insurance and have asked if they will cover a known pfo, waiting on an answer.
    Did you tell them about the PFO when you got your quote and paid your cover? The policy documents can be downloaded from their website. The policy excludes conditions that could affect your susceptibility to a claim. Page 8 section Section 1,d,i You probably fall under the additional terms on page 8

    "However the Insurer may agree in writing not to apply exclusions d.1 to d.6 or the Insurer may impose special terms if you apply to the Insurer with details of the condition by completing a self-declaration form and this insurance is suitably endorsed."

    i would guess therefore that you need the endorsement as described by that clause.

    https://www.daneurope.org/documents/...=1620201147468
    We give £350m a week to the EU. Let's give it to Dido Harding instead.

  9. #9
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    Quote Originally Posted by Chrisch View Post
    Did you tell them about the PFO when you got your quote and paid your cover? The policy documents can be downloaded from their website. The policy excludes conditions that could affect your susceptibility to a claim. Page 8 section Section 1,d,i You probably fall under the additional terms on page 8

    "However the Insurer may agree in writing not to apply exclusions d.1 to d.6 or the Insurer may impose special terms if you apply to the Insurer with details of the condition by completing a self-declaration form and this insurance is suitably endorsed."

    i would guess therefore that you need the endorsement as described by that clause.

    https://www.daneurope.org/documents/...=1620201147468
    I didnít have the pfo when took it out, only now coming to renew.

    Read terms and conditions and bit about may not cover, thatís why wondering if EHIC will cover as the nhs would if Dan said no.

  10. #10
    Established TDF Member Chrisch's Avatar
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    Quote Originally Posted by jacko View Post
    I didn’t have the pfo when took it out, only now coming to renew.

    Read terms and conditions and bit about may not cover, that’s why wondering if EHIC will cover as the nhs would if Dan said no.
    Fair enough - I am sure they (DAN) will cover you if anyone will. They are the specialists in this area. (Some PFO stuff on the US site - https://dan.org/health-medicine/heal...men-ovale-pfo/)

    I doubt you will ever get a straight answer on the NHS cover.
    We give £350m a week to the EU. Let's give it to Dido Harding instead.


 
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