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Subject Topic: health insurance Post Reply Post New Topic
PersonRichard61
30/7/2018 at 5:53pm
 Location: Grimsby
 Outfit: Eriba Familia View Richard61's Profile View Profile   Reply to Richard61 Reply   Quote Richard61 Quote  
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which do you use? do you even use it?
is it more cost effective to get red pennant as an all in breakdown and insurance?

tia


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PersonSGThomas
30/7/2018 at 6:00pm
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It will depend upon your age and medical history


Personbigart
30/7/2018 at 6:20pm
 Location: Chorley
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We always use red pennant for both health and mechanical insurance, to say that we are creeking gates is probably an understatement lol.Red pennant is expensive,but you get what you pay for, on the occasion we had to use it the service was second to none, and we will never venture abroad without using red pennant, hoping this helps Arthur


PersonDavid Klyne
30/7/2018 at 9:16pm
 Location: Milton Keynes
 Outfit: Bailey Alliance 66-2 Motorhome View David Klyne's Profile View Profile   Reply to David Klyne Reply   Quote David Klyne Quote  
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WE have always used Red Pennant simply because it is a joined up policy. For those of us with medical conditions they tend to treat us better by not loading policies. If you are young an fit you will no doubt find cheaper but when I last checked I couldn't find any policy that was meaningfully lower than Red Pennant.


David


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PersonAnglais
31/7/2018 at 9:31am
 Location: Vouécourt France
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Can't answer your first part but as to whether or not you need it a big yes. Over the years we have helped several people here France using the French health system. Medically in our opinion it is second to none, on the administration side coupled with language issues if can be frustrating and worrying. Those who had proper cover have always done well, more often than not the insurance taking over from the UK. Without adequate cover it can expensive and time consuming at a time when there is enough to cope with when someone is ill in a foreign country.


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Persondillydom
31/7/2018 at 9:58am
 Location: UK and Europe
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The Nationwide offer health insurance for free on one of their accounts. For longer stays you just pay a premium.

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Be kind, be happy.


Personjim oldham
31/7/2018 at 2:15pm
 Location: Wigan
 Outfit: VWSharan. Sport 442. View jim oldham's Profile View Profile   Reply to jim oldham Reply   Quote jim oldham Quote  
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Quote: Originally posted by dillydom on 31/7/2018
The Nationwide offer health insurance for free on one of their accounts. For longer stays you just pay a premium.


Indeed it does, but premium for more than 31 days, and a premium for over 75's and folk with pre-existing medical conditions.

More here: https://www.nationwide.co.uk/products/current-accounts/flexplus/insurances-and-benefits?gclid=EAIaIQobChMIwPG_hbXJ3AIVLLftCh2r4gxXEAAYASADEgLQZPD_BwE#xtab:travel-summary-of-cover


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Personscrumble
31/7/2018 at 7:06pm
 Location: Cambridgeshire
 Outfit: Moslty in a Pennine Pathfinder nowaday View scrumble's Profile View Profile   Reply to scrumble Reply   Quote scrumble Quote  
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Yes, we have flexplus account, (converted from a longstandiong Flexaccount) for the insurance. health +breakdown moslty, but have also claimed on the phone cover a few times.

There is an account charge, but it is cost effective for us.


Personchrisandsandra
01/8/2018 at 2:23pm
 Location: Somerset
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Quote: Originally posted by jim oldham on 31/7/2018
Quote: Originally posted by dillydom on 31/7/2018
The Nationwide offer health insurance for free on one of their accounts. For longer stays you just pay a premium.


Indeed it does, but premium for more than 31 days, and a premium for over 75's and folk with pre-existing medical conditions.

More here: https://www.nationwide.co.uk/products/current-accounts/flexplus/insurances-and-benefits?gclid=EAIaIQobChMIwPG_hbXJ3AIVLLftCh2r4gxXEAAYASADEgLQZUPD_BwE#xtab:travel-summary-of-cover





Indeed they do, but so do most if not all insuarnace companies.

We have cover through our Flex Plus account and the time extension cost is very little. We both have long standing health conditions, mine quite serious, which we declare and we do pay a supplement which I at first thought was high until I compared it it’s stand alone policies and found we were still better off with the Nationwide for year round cover, though for a short one off trip this might not be the case.

The cost is £13 a month but that includes breakdown and recovery insurance in both the UK and Europe, mobile phone insurance and various other benefits which more than cover the cost of the fee.

I don’t work for Nationwide but do recommend them as they came and opened a branch in the town that we live in when the 3 existing banks closed, so I feel they deserve support :-)


Personsaxo1
01/8/2018 at 3:22pm
 Location: None Entered
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We have a Flexplus account and even with the age and existing health conditions it works out far cheaper than a stand alone policy for us.
saxo1


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PersonJockey
01/8/2018 at 3:31pm
 Location: Southampton
 Outfit: Bailey Senator Vermont Freelander 2.2 View Jockey's Profile View Profile   Reply to Jockey Reply   Quote Jockey Quote  
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Definitely required. On holidays in Europe in recent years I have witnessed fellow campers suffer acute onset conditions, exacerbation of chronic illness and accidents such as exploding gas BBQs. Latter resulting in hospitalisation for male camper and repatriation of his partner and car/caravan unit. ( the partner couldn't drive!)

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It's 'should have' not 'should of'.


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Persondubs1978
01/8/2018 at 5:08pm
 Location: Birmingham
 Outfit: Pennine Pullman View dubs1978's Profile View Profile   Reply to dubs1978 Reply   Quote dubs1978 Quote  
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Yes, for sure.

Just purchased ours, 3 out 4 of us have pre existing conditions. 15 days cover for 2A, 2C with medical cover, cancellation cover and other cover we probably don't need was just over £20. Why wouldn't you at that price.


PersonWhatamess
02/8/2018 at 7:17am
 Location: North Wales
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We use CAMC Red Pennant too. They don’t load it for medical conditions, just ask if your meds have changed in the last two weeks. CC. wanted an extra £280 because I have asthma.

Nora



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