THE government authorities of Spain and the UK are usually determined to halt the sale of deceptive travel insurance policies to travellers, which usually give exactly the same cover as the Western european Health Card, which is free.
Politicians in both countries are usually fully aware that these fraudulent procedures lead travellers to believe that they have already been sold private medical cover, for his or her trips to Spain.
The situation was highlighted when a 72-year-old British holiday-maker died after struggling a heart attack in Lanzarote.
Members of Spain’ ersus Alliance for Private Health (ASPE), who represent private hospitals and centers, have held meetings with Uk, Spanish and European officials regarding taking action to address the deceptive policies.
These plans result in patients, who believe they have got purchased private cover, putting additional strain on private hospitals, and jeopardizing their own health, without knowing it.
A large number of complaints have been produced against fraudulent UK insurance companies, exactly who, for years, have profited by marketing travel insurance policies, which don’ capital t cover some treatments, leaving individuals with bills of up to € four, 000.
The UK plus Spanish governments, as well as the Community associated with Madrid, have informed ASPE, the particular Spanish Department of Private Wellness, that they are willing to put in place the first group of measures, aimed at curbing these poor practices.
ASPE furthermore expects the involvement of Spain’ s Ministry of Health, to include extra measures in a co-ordinated motion between them all, for the main, impacted regions.
Representatives associated with ASPE have held several conferences this week, after requesting up to twenty get-togethers with Spanish, English plus European institutions, along with political events, plus consumer protection and field organisations.
In particular, authorities from ASPE, have had talks using the British Embassy in Spain, the The spanish language Foreign Ministry and the Community associated with Madrid’ s Ministry of Wellness, as well as the Linkham company, to investigate the particular claims, and assess possible activities they can implement to improve the situation.
The ASPE objective would be to seek support to tackle an issue saturating Britain’ s Public Wellness system, with patients who have covered a private policy, generating economic plus administrative problems for private hospitals, and also harming British tourists, putting their particular health at risk.
The particular British Consulate has pledged in order to distribute, through its channels, comprehensive information on the medical coverage given by the particular free European Health Card vacation.
It will also offer helpful information on travel assistance insurance, in order to encourage travellers to know clearly plus precisely what their rights are, if they are staying in Spain.
Linkham, a company which markets UNITED KINGDOM travel insurance, has shown the same willingness meant for collaboration to find solutions, and to function more closely with ASPE to produce a structure of mutual co-operation, in between Spanish hospitals and British insurance providers.
ASPE has also fulfilled with representatives of the Secretary associated with State for the European Union of the Ministry of Foreign Affairs, whose purpose is to hold a meeting in Sept with the Ministries of Health and Work to discuss the matter.
Additionally, it wants them to include travel insurance plus medical-coverage information on the Spanish Embassy’ s in the UK.
Because of its part, the Ministry of Wellness of the Community of Madrid provides offered its support to ASPE to help combat the European Wellness Card’ s misuse.
Apart from the organisations with which ASPE has met, it has requested meetings using the Ministry of Health, Consumer Matters and Social Welfare, and with the Common Directorate of Insurance, under the Ministry of Economy and Business.
At a regional level, words have been sent to the Ministry associated with Health of Andalusia, Catalonia, the particular Canary Islands and Murcia, and schedules are already agreed with the councils associated with Valencia and the Balearic Islands.
Likewise, a meeting has been asked for from the PSOE, PP, Citzens (C’ s), United Podemos and Vox parties.
At Uk level, in addition to the UK Embassy vacation, the Conservative, Labour, and LibDem parties have all been contacted, since have the National Health Service (NHS), consumer associations, and the Association associated with British Insurers.
Besides this, letters have been sent to the celebrations with the greatest representation in the Euro Parliament: European People’ s Celebration, Party of European Socialists, plus Party of the Alliance of Liberals and Democrats for Europe.
According to the ASPE letter, delivered to those organisations: “ These companies make a profit by marketing a citizen’ s right; they manipulate plus intimidate customers and defame The spanish language private health service.
“ This situation affects hundreds of individuals, who do not know that their travel cover policy does not cover assistance within private health centres, and confronts Spanish hospitals with unpaid expenses, and unacceptable smear campaigns. ”
According to ASPE estimations, the fraud affects between 1 and four patients per day, within each of the 200 hospitals represented simply by them in the biggest tourist locations.
But to support impacted patients, private hospitals will provide claim types to those affected by the fraud, recommending them to continue their process of declaring liability from UK insurers.
In addition , they will offer impacted patients the possibility of continuing that procedure with a legal advice, and specialised information in the matter, from Britain, in order to claim for the costs of hygienic treatment or, at least, of the amount of the policy they have paid.
Likewise, private hospitals, affected by these types of irregularities but represented by ASPE, are measuring the number of cases throughout the summer months, accurately, to be able to assess the degree of the problem.
Concerning the main demands of ASPE, it might be essential for public hospitals to requirement the payment of treatment in the insurers responsible for the patient, instead of the Uk Public Health system, regardless of whether delete word they have an European Health Cards.
It will also ask these companies be required to transfer costs in order to public health, when patients are usually referred to them from private hospitals.
On the other hand, the General Directorate associated with Insurance of the Ministry of Economic climate, will be requested to urge the particular Financial Conduct Authority in the UK to get travel policies, with a specific record, clearly detailing medical coverage to the policy-holder, what is included and excluded through health care, and to which centers they may or may not be treated in.