Visiting a hospital is never a piece of cake especially when you are not in your country of origin. In addition to your health concerns you also have to worry about the cost of your care which can go up a lot high in some parts of the world. So how can you get good reimbursement during hospitalization abroad?
Hospitalization inside the EU
It shouldn’t be part of your travel itinerary but a small accident caused you to visit a hospital in Madrid or Berlin during your vacation. If you’ve been planning you may have asked for your card European Health Insurance (EHIC) before departure operating in all member states of the European Union and the European Economic Area as well as in Switzerland. Learn more about security roles socializing abroad.
Depending on the laws in force in the country of stay presenting this card to the hospital may prevent you from paying medical bills. However, it is also possible that you will have to pay upfront and then Once back in France fill out Form S3125 to apply for reimbursement. Your request will then be processed and possibly reimbursed by the French Social Security Institute. In this form, you will be asked for Insurance coverage based on French social security rates or rates prevailing in the country of stay. In either case, even if the process is successful your refund does not correspond Be sure to base it on your actual expenses.
Hospitalization abroad outside the EU
Sprain your ankle while visiting a US national park or get bitten by a monkey in Asia and you’re in a hospital on the other side of the world. If you didn’t think about it the situation is quite complicated Insurance as the French Social Security Administration is not obliged to pay for your care. This is clearly stated on the Améli.fr website:
When you are holidaying in countries outside the European Union/European Economic Area (EU/EEA) and Switzerland your medical insurance may only cover emergency and unforeseen medical care. Health insurance funds after returning to France […] Please note: this is a possibility not an obligation. (resource)
Therefore once you cross the EU border it is wise to take out travel insurance which will pay for your care from the first euro spent regardless of the social security system. French or native.
Overseas Hospitalization and Credit Card Travel Insurance
If you pay for your ticket with a bank card you can enjoy travel insurance included in the payment method. However, depending on the card and bank it is advisable to pay attention to certain points such as the duration of Travel Restriction (90 days) A fairly low upper limit of coverage (between 10 and 12,000 euros compared to 150,000 euros for private travel insurance). Especially most bank card travel insurance only offers prepaid fees when hospitalized Not game-changing support. Learn more about credit card travel insurance.
Overseas Hospitalization and Private Travel Insurance
As you know purchasing private travel insurance is the solution for you to travel with peace of mind in Europe and around the world. With Globe Partner travel insurance your care costs are covered from the first euro Spend without a deductible or waiting period. If hospitalized there may be two situations:
- Less than 24 hours hospital pass: If you are in the emergency room for a few hours due to a minor accident you will have to prepay by paying the hospital and keep all medical documents you have to make the requested repayment. This request can be made by email (for requests under EUR 300) or by post. Single method single interlocutor without any intermediaries simple and fast! Reimbursement for treatment is 100% Direct deposit to your bank account.
- Hospitalization for more than 24 hours: If your medical condition requires you to stay in the hospital for at least one night you do not need to pay upfront. Just contact our 24-hour support platform to inform the situation. They will then take over the hospital and organize direct payments for your healthcare. You don’t have to pay in euros!
If you are traveling abroad for medical purposes (planned hospitalization) please note that your care will not be covered by your travel insurance. Travel for medical purposes and medical conditions Before a departure is part of the exclusions of most travel insurance contracts.