Big medical bills highlight problem of misunderstood insurance

Friday, 07 April 2017
Rate this item
(2 votes)

Fresh reports of travellers left with huge medical bills have again highlighted the perennial problem of people purchasing insurance but not understanding what it covers.

 

So says a recent issue of the trade newspaper International Travel & Health Insurance Journal (ITIJ), which quotes the case of an Australian woman detained in a Thailand private hospital pending payment of more than AU$52,000 in medical bills.

The woman had been hospitalised after suffering severe injuries in a moped crash. She had been declared fit to fly home after treatment including surgery, but the hospital would not release her until the bills were paid.

Ironically, the woman had travel insurance, but it did not cover the riding of motorcycles.

Michael Pettifer, Managing Director of MPI Brokers, says the woman’s plight is a salutary warning to all travellers.

He says: “As one of the UK travel insurance providers covering motorbike riding, I can safely say that we would have looked sympathetically at the woman’s claim, if she had bought one of our policies.

“However, a rider must wear a helmet and the driver must hold a licence valid in that particular country. There is no liability cover as this falls under the vehicle insurance.

“More generally, many UK travellers have experienced similar problems over the years, resulting either from buying ‘cheap’ policies with inferior cover or exceeding the limits of cover set out in a policy’s conditions.

“At MPI we pride ourselves on a generous approach to policy exclusions, because we believe in allowing customers as much freedom as possible to participate in wide ranging activities if they wish.

“We also urge people to read policy conditions so they know how far they can go. And travel insurance should never be bought on price alone, because a cheap policy means the insurer may have excluded many activities.”

It’s not the cost that matters but the cover that counts

Read 397 times Last modified on Thursday, 18 May 2017
Ajax Loader
CONTACT US AT MPI

If you require any help or information regarding your choice of policy, a claim or any aspect if our products or services and you can't immediately find an answer here on our website or in our FAQ, then please feel free to contact us using this form.

Please enter your name!
Brief description
Please enter your email!
Write your message!

MPI Brokers Head Office
West House, 19-21 West Street
Haslemere, Surrey, GU27 2AB
United Kingdom
Contact Us

For corporate calls - 01428 664265

World Snow Awards

Copyright © 2002-17 MPI Brokers.

All rights reserved.

Regulation

Michael Pettifier Insurance Brokers Ltd. trading as MPI Brokers, Mind The Gap Year, MPI Don’t Stop Me Now and Douglas Cox Tyrie is authorised and regulated by the Financial Conduct Authority FCA number 308481

Mountain View

Become an MPI Brokers Affiliate
By becoming an affiliate you are an unregulated introducer in respect of regulation. Link your customers from your website to MPI's award winning specialist travel and ski insurance policies and earn commission.

Learn More