The United Kingdom has mutual health agreements with several non-EEA countries and territories. At least 8 weeks before your trip, you will find the latest country health mentions from the National Travel Health Network and Centre (NaTHNaC) on the TravelHealthPro website. Each country page provides information on vaccine recommendations, current health risks or outbreaks, as well as fact sheets on staying abroad. Instructions are also available through NHS (Scotland) on the FitForTravel website. Many hospitals in Montenegro do not accept the European Health Insurance Card (EHIC) to prove that you are entitled to free emergency care. I understand where you come from. I had the same problem last year. The cheapest I could cover in Europe for 3 weeks was $600, and the insurer I worked with for years wanted $1550. Some specialized companies wouldn`t even name me. I read about the mutual health agreements between the UK and New Zealand. Does this mean that she does not need “medical” travel insurance? If not, can you only take out travel insurance covering normal medical things, but no declared conditions? Would it be much cheaper to buy it at the very last minute, which denied the need for a possible travel cancellation? Copies of the mutual health agreements established in New Zealand legislation are linked below: New Zealand has reciprocal health agreements with Australia and the United Kingdom (United Kingdom). At any time, some services may be funded by public funds for those covered by the agreements.
These services can be funded to the same extent as for a national of the country they are visiting or staying temporarily. You are treated as if you were in the country in question. In general, these agreements apply to British nationals living in the United Kingdom. If you are not a British national, you can still be insured for an inexpensive or free treatment if you normally live in the UK. Here`s the thing. While mutual health agreements could cover things like hospital care, things like repatriation or medical evacuation are probably not covered – meaning she could get more than 1,600 pounds out of her pocket if necessary. For more information on the UK health system, visit the Ministry of Health website (external link). To access these services, you must register with an NHS General Practitioner. Your doctor or health care provider will help you get VAC coverage. The application must be accepted by VAC before contributing to the funding.
(2) Note that the United Kingdom considers a “temporary stay” to be a stay of up to six months. New Zealanders travelling more than six months to the UK still have access to the National Health Service, but will have to pay a health supplement for immigration issues from 6 April 2016 as part of their visa application. For more information, please visit the www.gov.uk website. In addition, reciprocal health care does not always cover the total cost of hospital care. So she could get in real trouble if something happens. This agreement is maintained, but New Zealanders who remain in the UK for more than six months on a visa will have to pay a health supplement for immigration issues from 6 April 2016 as part of their visa application. For more information, see www.gov.uk/browse/visas-immigration (external link). The agreements do not cover the cost of repatriation to the UK (repatriation) or routine monitoring of existing conditions. Here`s the thing.
While reciprocal health agreements could cover things like hospital care, things like repatriation or medical evacuation are probably not covered – meaning she could get well over 1,600 pounds out of her pocket if it becomes necessary.