Policy Wording - Insure me 4
Policy Wording - Insure me 4
Policy Wording - Insure me 4
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Reciprocal Health Agree<strong>me</strong>nts<br />
EU, EEA or Switzerland<br />
If you are travelling to countries within the European Union (EU), the European Economic Area (EEA)<br />
or Switzerland you are strongly advised to obtain a European Health Insurance Card (EHIC). You can<br />
apply online at www.ehic.org.uk or by telephoning 0300 3301350. This will entitle you to benefit from the<br />
reciprocal health care arrange<strong>me</strong>nts which exist between countries within the EU/EEA or Switzerland. In the<br />
event of liability being accepted for a <strong>me</strong>dical expense which has been reduced by the use of a European<br />
Health Insurance Card we will not apply the deduction of excess under Section 2 – E<strong>me</strong>rgency Medical<br />
and Repatriation.<br />
Australia and New Zealand<br />
If you require <strong>me</strong>dical treat<strong>me</strong>nt in Australia or New Zealand you must enrol with a local MEDICARE office.<br />
You do not need to enrol on arrival but you must do this after the first occasion you receive treat<strong>me</strong>nt. Inpatient<br />
and outpatient treat<strong>me</strong>nt at a public hospital is then available free of charge. Details of how to enrol<br />
and the free treat<strong>me</strong>nt available can be found in the Health Advice for Travellers booklet available from your<br />
local Post Office. Alternatively please call ERV’s Assistance Service for guidance.<br />
If you are admitted to hospital contact must be made with ERV’s Assistance Service as soon as possible<br />
and their authority obtained in respect of any treat<strong>me</strong>nt NOT available under MEDICARE.<br />
Contact ERV Assistance on telephone number 0044 207 902 7408.<br />
Travel Assistance<br />
You can use this service outside the United Kingdom during your journey. If you have an e<strong>me</strong>rgency<br />
please contact ERV Assistance as soon as possible. When dialling from outside the United Kingdom<br />
phone 0044 207 9027408. You may reverse the call charges when using this service. Please give ERV<br />
Assistance your age and your certificate number.<br />
The service includes:<br />
• <strong>me</strong>dical advice abroad related to your claim<br />
• assistance in locating suitable doctors, hospitals, clinics and dentists when consultation or minor<br />
treat<strong>me</strong>nt is required;<br />
• assistance with arrange<strong>me</strong>nts for a doctor to call and if necessary hospitalisation;<br />
• continued <strong>me</strong>dical monitoring of the patient’s condition;<br />
• help to obtain special drugs if unobtainable locally, and dispatching of them to the patient;<br />
• arranging for a translation service when necessary, where the provider of an assistance service<br />
does not speak English; (is under legal expenses)<br />
ERV Assistance will only help arrange these services. You or a relative or friend in the United Kingdom<br />
must pay for the tickets, travel docu<strong>me</strong>nts, <strong>me</strong>dication, drugs, e<strong>me</strong>rgency funds or any extra costs, or we<br />
can arrange for your card to be debited which ERV Assistance will discuss with you at the ti<strong>me</strong> you call.<br />
Meaning of words<br />
Wherever the following words and phrases appear in this policy they will always have these <strong>me</strong>anings:<br />
Accidental bodily injury – An unexpected event which results in your bodily injury, that is due to a violent,<br />
sudden and external cause which occurs during a trip. This must occur at an identifiable ti<strong>me</strong> and place<br />
which solely and independently of any cause results within 12 months, in the death, loss of limb, loss of<br />
sight or the permanent total disable<strong>me</strong>nt of an insured person.<br />
The following are also defined as accident(s) under the terms of this policy:<br />
• Asphyxia or injuries caused by gases or vapours, im<strong>me</strong>rsion or sub<strong>me</strong>rsion, or from the<br />
consumption of liquid or solid matter other than foodstuffs.<br />
• Infections resulting from an accident covered by the policy.<br />
12 Travel Insurance <strong>Policy</strong> Docu<strong>me</strong>nts