Cruisers Forum
 


Join CruisersForum Today

Reply
 
Thread Tools Rate Thread Display Modes
Old 08-06-2010, 07:02   #1
Registered User

Join Date: Feb 2009
Posts: 98
Health Insurance

At the moment we are in Hong Kong and a friend of ours from Australia fell over last night and fractured his hip.

He does not have travel insurance and neither do we.

The public hospital has asked for a deposit of HK $33,000 to start treatment and they charge non-residents HK $3,300 per day.

Cannot even guess the cost of the operation and post op treatment.

How do other cruisers cover themselves for this sort of emergency?
__________________

__________________
Get-a-Life is offline   Reply With Quote
Old 08-06-2010, 07:21   #2
Moderator Emeritus
 
Ex-Calif's Avatar

Cruisers Forum Supporter

Join Date: May 2007
Location: Singapore
Boat: Maxi 77 - Relax Lah!
Posts: 11,514
Images: 4
That really sucks. Sorry for him.

In terms of options I don't think there are many. Does he have health insurance anywhere?

If he has an insurance somewhere that will eventually reimburse him you might try googling International SOS.

I don't know if they can help. As a big US company we subscribe to their service. They guarantee payments or make payments in advance to hospitals, assign case managers (doctors to advise you an treatment recommendations made by local doctors) and if necessary arrange medical evacuation.

They are definitely not cheap.
__________________

__________________
Relax Lah! is For Sale <--- Click
Click--> Custom CF Google Search or CF Rules
You're gonna need a bigger boat... - Martin Brody
Ex-Calif is offline   Reply With Quote
Old 08-06-2010, 10:08   #3
Long Range Cruiser
 
MarkJ's Avatar

Cruisers Forum Supporter

Join Date: Dec 2007
Location: Australian living on "Sea Life" currently in England.
Boat: Beneteau 393 "Sea Life"
Posts: 12,828
Images: 25
Quote:
Originally Posted by Get-a-Life View Post

How do other cruisers cover themselves for this sort of emergency?
Hire and ambulance and get into Mainland china?
__________________
Notes on a Circumnavigation.
OurLifeAtSea.com

Somalia Pirates and our Convoy
MarkJ is offline   Reply With Quote
Old 08-06-2010, 10:45   #4
Registered User
 
Springbok's Avatar

Join Date: May 2008
Location: Aberdeen, South Africa
Boat: r then 33 Y amaha Feb 2014 just bought Alan Pape 43 ketch
Posts: 198
Free French Medical Aid

Use INDY'S free French Medical Aid as offered but not explained on his $500/month post
Clyde
__________________
Springbok
Springbok is offline   Reply With Quote
Old 08-06-2010, 17:52   #5
Registered User

Join Date: Feb 2009
Posts: 98
Quote:
Originally Posted by MarkJ View Post
Hire and ambulance and get into Mainland china?
Please read the question.

It had nothing to do with the current situation, it was "What do other cruisers do to cover this type of emergency?"

As for hiring a ambulance, he cannot even get out of bed and is heavily sedated with morphine, otherwise we would have had hom on a direct flight back to Aust.

Thanks for the other tips thus far.
__________________
Get-a-Life is offline   Reply With Quote
Old 09-06-2010, 18:31   #6
CF Adviser
 
TabbyCat's Avatar

Cruisers Forum Supporter

Join Date: Jul 2007
Location: cruising in the Pacific
Boat: MaineCat Catamaran 41'
Posts: 334
Images: 1
Send a message via Skype™ to TabbyCat
I don't sell health insurance myself, but you can get an on-line quote for overseas health insurance if you are a US citizens and will be outside the USA for 6 months for more, or for repatriation/travel insurance. Do a google search, or go to our website, IMIS Online Services.
__________________
Susan
IMIS - Int'l Marine Ins Svcs
http://www.MarineInsurance.CC
TabbyCat is offline   Reply With Quote
Old 09-06-2010, 20:01   #7
Registered User
 
sww914's Avatar

Join Date: May 2009
Location: Punta De Mita
Boat: Vagabond 39 Hull # 1
Posts: 1,842
I've never heard of any insurance that will cover something that happened before coverage started. Are you saying that you will cover a pre-existing condition or are you just trying to sell something?
__________________
sww914 is offline   Reply With Quote
Old 09-06-2010, 21:09   #8
Senior Cruiser
 
maxingout's Avatar

Cruisers Forum Supporter

Join Date: Dec 2006
Location: Fort Pierce, Phoenix
Boat: Privilege 39 Catamaran, Exit Only
Posts: 2,606
Health insurance is one of the biggest obstacles to going cruising for those who are over fifty years old. For those of us in the USA, the insurance rates are at extortionary levels.

My last year of cruising, I paid a premium of $10,000 for myself and wife, and we had a $5,000 deductible that was applied annually to each person that was insured. So I had to pay out $5,000 out of my pocket before the insurance company paid a single cent. Then we still paid 20% of the costs. I don't know why a person would want to go into organized crime to make money. They should start an insurance company.

I am a doctor, and I am ashamed of the state of health care in my own country. When I broke my wrist last year, it cost more than $10,000 to get it fixed.

Don't get sick in America or have an accident. Your cruise will be over, and it may even bankrupt you.
__________________
Dave -Sailing Vessel Exit Only

http://SailingUNI.com
http://maxingout.com
http://PositiveThinkingSailor.com
maxingout is offline   Reply With Quote
Old 10-06-2010, 08:55   #9
Senior Cruiser
 
osirissail's Avatar

Cruisers Forum Supporter

Join Date: Feb 2009
Location: A real life Zombie from FL
Boat: Gulfstar 53 - Osiris
Posts: 5,416
Images: 2
Quote:
Originally Posted by sww914 View Post
I've never heard of any insurance that will cover something that happened before coverage started. Are you saying that you will cover a pre-existing condition or are you just trying to sell something?
RTFPost - You can purchase "International Medical Insurance" coverage via the internet from many sources around the world. Just like all other forms of insurance, be it for your boat, your car, etc., you must purchase the coverage BEFORE you have an incident. I seriously doubt you can buy boat insurance coverage after your boat sinks. Same with medical insurance. You must plan ahead before you leave your home country to either pay for international coverage - or - accept the consequences financially and physically of any damage to your body/health.
- - Rates will dramatically vary depending upon the level of coverage you want and the region of the world. Coverage to include USA/Canada gets to be multiples of coverage excluding these areas. Additionally, some of the policies offered have exclusions for any medical needs for the first 6 months to a year (plus or minus) so again you have to plan ahead.
- - If your home country has national health coverage you may get a discount on the cost of using medical facilities in a different country which also has national medical/health coverage. Sometimes you can purchase from your home country's national health insurance a "rider" that will extend your coverage to selected other countries in the world. Again it means plan ahead.
__________________
osirissail is offline   Reply With Quote
Old 10-06-2010, 17:00   #10
Registered User

Join Date: Feb 2009
Posts: 98
Health Insrance

Some good tips here that I will check out.

Thanks, we really want to get away again, but this incident has put a scare into us and I do not feel confident to go cruising without the necessary cover anymore.

Like most people, everything has a price and there is only so much left in the kitty.

Gets a bit tough when the "boss" tells me to make up my mind, I either want something for the boat or a steak for dinner, but I can't have both.

Cheers and thanks for the tips.
__________________
Get-a-Life is offline   Reply With Quote
Old 10-06-2010, 17:21   #11
Senior Cruiser
 
Therapy's Avatar

Cruisers Forum Supporter

Join Date: Jul 2007
Location: W Florida
Boat: The Jon boat still, plus a 2007 SeaCat.
Posts: 6,894
Images: 4
Quote:
Originally Posted by maxingout View Post



Don't get sick in America or have an accident. Your cruise will be over, and it may even bankrupt you.
Sounds like the same thing is true in Hong Kong.
__________________
Therapy is offline   Reply With Quote
Old 10-06-2010, 19:06   #12
Senior Cruiser

Cruisers Forum Supporter

Join Date: Jul 2005
Boat: Outbound 44
Posts: 4,584
Quote:
Originally Posted by Therapy View Post
Sounds like the same thing is true in Hong Kong.
The OP said they would be charged HK$3,300 a day. That is US$425. You can't fill out the paperwork for that amount in a US hospital. Keep it in perspective. The US system is just plain broken and it sounds like the Hong Kong system is a deal..

Paul L
__________________
Paul L is offline   Reply With Quote
Old 11-06-2010, 04:50   #13
Registered User

Join Date: Feb 2009
Posts: 98
Hong Kong Cost

Actually its not too bad a deal.

From what we understand at the moment, this includes everything. i.e. doctors, operation, etc.

Ron had his operation yesterday and they pinned his hip bone back together, now recovering and learning to like chinese cuisine.

I will keep everyone posted of the final outcome re;- expenses if anyone is interested?

I am willing to be corrected, but in Australia I think it's about $350 Aus. per day plus extras.

Cheers
__________________
Get-a-Life is offline   Reply With Quote
Old 11-06-2010, 09:15   #14
Senior Cruiser

Cruisers Forum Supporter

Join Date: Jul 2005
Boat: Outbound 44
Posts: 4,584
Quote:
Originally Posted by Get-a-Life View Post
...I am willing to be corrected, but in Australia I think it's about $350 Aus. per day plus extras.
Cheers
If you did this in the US and paid out of pocket without insurance, it would not surprise anyone in the field if the bill was greater than US$50,000. I had a friend who did a 10-day hospital stay including one minor surgery, >$100,000 in bills. Fortunately they has insurance.

Paul L
__________________
Paul L is offline   Reply With Quote
Old 11-06-2010, 10:09   #15
********* Emeritus
 
SaucySailoress's Avatar

Cruisers Forum Supporter

Join Date: Apr 2010
Posts: 8,236
This is a very worrying thought. Last year I had a bad fall from a horse, here in Kuwait. I spent 4 days in ICU, and a further 18 days on the wards; following by a readmission 4 months later to have my kidney removed via keyhole surgery. Everything - and I mean including catscans, OPD follow-up, the works came to a grand total of $300. Kuwait is great for medical care.

But, what to do when we leave and are no longer resident??

What health care plans do folks use? Which plans are good for cruisers? Which plans offer value for money???
__________________

__________________

SaucySailoress is offline   Reply With Quote
Reply

Tags
health insurance

Thread Tools
Display Modes Rate This Thread
Rate This Thread:

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Health Insurance ? irwinsailor Dollars & Cents 148 27-12-2016 19:42
What Health Insurance Plan Do You Have ? Chief Engineer Health, Safety & Related Gear 6 14-04-2010 06:19
Health insurance CorrinaCorrina Liveaboard's Forum 1 15-09-2009 13:26
health insurance??? bluewater Health, Safety & Related Gear 18 08-02-2007 21:45
Health Insurance CarolD Dollars & Cents 6 19-12-2005 07:01



Copyright 2002- Social Knowledge, LLC All Rights Reserved.

All times are GMT -7. The time now is 10:59.


Google+
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.
Social Knowledge Networks
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.

ShowCase vBulletin Plugins by Drive Thru Online, Inc.