Health Insurance

[DonHind]

Hi, I'm new to this, just joined today. My partner and I fly out to Montenegro next week to begin our live aboard adventure. I have been looking at options for medical and health insurance and cant find anything that fits the live aboard criteria, only travel insurance.
Can anyone advise a broker or insurer who covers basic health and medical insurance for live aboards cruising to multiple countries please? I wish to get cover regardless of the Brexit outcome.
Thanks,
DonHind

 

[vyv_cox]

While EHIC still applies it is all you need, short of repatriation. Assuming you are an EU citizen. I have had an operation in Greece and friends have had medical treatment in that country that far outweighs what is offered in UK. All covered by EHIC.

Otherwise, I believe that Topsail probably offer one of the best for yachtsmen.

 

[DonHind]

Thanks for that, I'll have a look at Topsail.
Slainte,
Don

 

[Davy_S]

Have to agree with vyv, we had similar experience, you could also have a look at Inter American (Greek) they do health insurance, we had the get out of jail card with them, this paid for a helicopter flight from the islands in Greece to the mainland hospitals in an emergency, from what i remember it was under 100 euro, although we never used it.

 

[PlanB]

You may find that the premiums are prohibitive, especially if you are over 50 and/or have any pre-existing conditions. We decided to self insure, and for the first ten years were way ahead of the game, till serious illness struck. We were lucky enough to be able to afford private care in Spain, but we could have returned to the NHS as we had taken care to maintain a UK address and stay registered with a GP.

 

[DonHind]

Thanks also Davy_s and PlanB, we are considering all the options. Its great to get your feedback.
Slainte,
Don

 

[john_q]

Have a look at Bishop Skinner see https://www.bishopskinner.com/travel-insurance/#.XZoWOkZKhm9, we have used them 3 times with no problems, very fair

 

[RupertW]

You may find that the premiums are prohibitive, especially if you are over 50 and/or have any pre-existing conditions. We decided to self insure, and for the first ten years were way ahead of the game, till serious illness struck. We were lucky enough to be able to afford private care in Spain, but we could have returned to the NHS as we had taken care to maintain a UK address and stay registered with a GP.

Actually, the fact that you were not resident in the UK means that by the rules the NHS should have charged you - but practically keeping an address and a GP registration means you are very unlikely to be caught. But if you do get ill and return to the UK after any length of time at all you are immediately covered as long as you move into a UK address that you say is your new permanent residence.

 

[BobnLesley]

Another vote for the Bishop Skinner policy noted above, I've just renewed ours for the 6th or perhaps 7th time this morning. I doubt that they're any more/less expensive than any other, but having once had the misfortune to need to make a serious claim against the policy and received fantastic support from the Insurers, I'm sticking with them.

 

[DonHind]

Thanks again to everyone that has replied. That's given me plenty to look at. Sorry if I'm being dumb but if you don't know, you don't know!
Slainte,
Don