Friendly safety reminder for those who wander off road

Discussion in 'Trip Planning' started by dougwo, Mar 4, 2013.

  1. nordicbiker

    nordicbiker Been here awhile

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    Near Stockholm, Sweden
    Health insurance does not cover an ER visit caused by a broken femur and hip plus internal pain, because he was not admitted to the hospital??? What strange kind of health insurances you have over there!

    I am glad I a living in Europe / Sweden, when I hear stories like this. The state deducts one fixed amount of tax from my salary every month, which covers also health insurance. And for sure they will pay for an ER visit after a motorcycle accident like this one. They even call in a helicopter, whenever you report a motorcycle accident with injured riders! However I really hope this is wasted money and I will never see an ER from the inside!
    #21
  2. Thorgrim

    Thorgrim Used'ta could

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    I'll try to keep this non-political. Lets just say that, despite my concerns about the growth of government, I think this is the only rational, caring way to handle such things. "You're on your own" is one thing concerning personal economics, and another thing entirely when you're talking about the health and safety of a brother/sister citizen.
    #22
  3. Mcgee

    Mcgee Been here awhile

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    I think the health professionals are great, hard working, "more hours than they should" and am glad to have them!
    My question is WHY THE F&*# it cost so much for the emergency room!!! The prices are unaffordable, plain and simple!
    #23
  4. alicethomas

    alicethomas Been here awhile

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    The most important difference is non-political: In case of an emergency, the EU citiziens (like in Sweden or Germany - but even non-EU like Switzerland) call "112" - and not their lawyer. :deal
    The health insurances will pay any (*) inevitable (**) resque and treatment, no exceptions and no excuses.
    (*) decision by the paramedic/physician (in rare cases by public medical officer).
    (**) But neither a gold crown nor a handicapped accessible conversion of your castle.
    #24
  5. RexBuck

    RexBuck Long timer

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    Should clarify - I was talking about Travel Insurance. I live in Canada and need travel insurance to cover most medical costs outside the country.

    My Dad lives in California and has Kaiser health insurance. He is 99 and gets hauled to the hospital 2 or 3 times a year. Just a visit to the ER costs $2000 - $2500 of which he paid $200 or so. A recent stay for a couple of nights along with the ER visit was $13K of which he paid $500. So, no problem from a US health insurance standpoint.

    As an aside, the ambulance trip costs about $2100 (of which he pays $200) - which I think is insanely expensive. For a 7 mile trip from the home he is in to the hospital . . . seems a bit outlandish.
    #25
  6. AdventurePoser

    AdventurePoser Long timer

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    A thoughtful thread....

    My Blue Shield will cover me throughout my travels in Central and South America. I also purchased Medjet just in case I get sick/racked up someplace down there.

    Just remember Medjet is NOT medical insurance. It comes into play when you are already hospitalized and need to come home.

    Better safe than sorry.
    #26
  7. atokad

    atokad wan⋅der⋅lust

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    Get a SPOT and pick up the Lloyd's of London insurance they offer, it's really cheap. Covers (I think, haven't read all of the fine print. :rolleyes) the cost of the emergency extraction, helicopter etc etc.
    #27
  8. RexBuck

    RexBuck Long timer

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    As far as I know, the SPOT insurance only covers the "search and rescue" costs that may be levied - probably to get you as far as a local hospital. It is not medical insurance and does not cover the cost of getting your busted up carcass home. Oh, and it apparently only covers one person. I understand you can pay to insure others who may be with you.
    #28