The relatives at home may not have had a chance to read the policy, let alone to know what Dad said to the travel agent when booking the holiday and the insurance.If travellers do have a medical problem abroad, their policy often encourages them to telephone a UK number to speak to a claims and medical assistance agency.Only a few policies insist that policyholders contact the company for authorisation before incurring any expense and most present the suggestion as a helpful service.I understand that insurers have some poor experiences of medical practitioners in other countries Web Portal Design overcharging ill or injured travellers immediately they catch sight of a UK travel policy.
Some insurers seem to regard assistance companies as primarily there to police and reduce claims costs, and some of the assistance staff seem to see it this way as well.Thus if there is any chance of avoiding treatment abroad and delivering the policyholder back into the care of the NHS, that will be the preferred course.To a person injured or ill abroad,
advice from such an agency that it would be better to wait and return to the UK can appear callous and self-interested, even if that is not the intention.We also receive the opposite complaint: that the assistance agency insists on the patient staying at the resort and will not arrange for them to come home.The prime consideration should be what is best for the patient, not what is cheapest for the insurer.The patients wishes ought to be taken into consideration —
they are not always paramount but should at least be considered.The process of prior authorisation of these expenses is one that is convenient to policyholders and insurers.
If authorised, the expenses will be met direct, and the treating practitioners can proceed in the knowledge that they will be paid by the insurer direct.