Calis Beach and Fethiye Turkey Discussion Forum

Information and Services in Turkey Section => Residency in Turkey, Visas, Work Permit Questions => Topic started by: Karennina on December 30, 2016, 16:07:01 PM

Title: Any need for travel insurance if have residency with health care policy
Post by: Karennina on December 30, 2016, 16:07:01 PM
Can anyone tell me please if you have residency and have taken out a health care policy with someone would we need to still take out travel insurance as well? Thanks in advance for any replies   ;)
Title: Re: Any need for travel insurance if have residency with health care policy
Post by: KKOB on December 30, 2016, 16:17:21 PM
Where are you travelling to / from ?
Title: Re: Any need for travel insurance if have residency with health care policy
Post by: Jacqui Harvey on December 30, 2016, 16:27:16 PM
Karen, I think you would need travel insurance to travel from the U.K to Turkey and back, as the Health Insurance in Turkey would not cover your travel. 
Title: Re: Any need for travel insurance if have residency with health care policy
Post by: Karennina on December 30, 2016, 18:02:02 PM
Soz meant from uk to Turkey KKOB.
AH i never thought about that part of it Jacqui thanks looks like whatever we decide to do we will have to renew our travel insurance...
Title: Re: Any need for travel insurance if have residency with health care policy
Post by: KKOB on December 30, 2016, 18:06:20 PM
Hence my question.

Now you've thought about it.   ;)
Title: Re: Any need for travel insurance if have residency with health care policy
Post by: Colwyn on December 30, 2016, 18:14:00 PM
Well worth it, I suppose. I doubt it is £500+ per annum like mine!
Title: Re: Any need for travel insurance if have residency with health care policy
Post by: Jacqui Harvey on December 30, 2016, 18:55:40 PM
Check with your bank Karen.   We have annual travel insurance with our Bank  and also use of Airport Lounges, discount on theatre tickets and discount on any travel bookings with them,  though the account we have.   
Title: Re: Any need for travel insurance if have residency with health care policy
Post by: Scunner on December 30, 2016, 18:56:31 PM
Well worth it, I suppose. I doubt it is £500+ per annum like mine!

You do seem to have got your money's worth over the years though    ;)
Title: Re: Any need for travel insurance if have residency with health care policy
Post by: Jacqui Harvey on December 30, 2016, 18:58:47 PM
Well worth it, I suppose. I doubt it is £500+ per annum like mine!

You do seem to have got your money's worth over the years though     ;)

Yes, apart now, from Travel to Turkey which is no longer on the cards for Colwyn. 
Title: Re: Any need for travel insurance if have residency with health care policy
Post by: Scunner on December 30, 2016, 19:08:50 PM
I can't see how that is relevant to my reply?
Title: Re: Any need for travel insurance if have residency with health care policy
Post by: Colwyn on December 30, 2016, 19:21:31 PM
You do seem to have got your money's worth over the years though     ;)
Oh yes, and I am hoping they will still renew my policy in February when it becomes due because I have already booked a short trip to Madeira and a fortnight in the Turkish Republic of Northern Cyprus.
Title: Re: Any need for travel insurance if have residency with health care policy
Post by: JohnF on December 30, 2016, 20:36:27 PM
Well worth it, I suppose. I doubt it is £500+ per annum like mine!

You do seem to have got your money's worth over the years though      ;)

Yes, apart now, from Travel to Turkey which is no longer on the cards for Colwyn. 

Strikes me you're showing your true colours with that completely unnecessary and uncalled for dig at someone, who not only has principles, but is prepared to air them publicly and then stand by them.

And please don't go down the "simply stating a fact" route, you'll just be digging a deeper hole for yourself. 

JF
Title: Re: Any need for travel insurance if have residency with health care policy
Post by: Karennina on December 30, 2016, 21:42:47 PM
Back to what I was asking originally without going into too much detail if one of us gets a cancer diagnosis on renewing my travel insurance policy next year would I have to declare it, considering that most policies wouldnt pay out for an existing condition anyway, not a situation I was expecting to find on making plans for 2017...thanks again for any relevant replies
Title: Re: Any need for travel insurance if have residency with health care policy
Post by: marina on December 30, 2016, 22:23:39 PM
Insurers should pay out for any medical conditions if they have been declared and all say that you should inform of any new conditions diagnosed while the policy is valid. All this adds to the premium of course but you wouldn't be covered for anything not declared but which had been previously diagnosed and then needed to claim for.
Title: Re: Any need for travel insurance if have residency with health care policy
Post by: Scunner on December 30, 2016, 22:31:41 PM
You definitely need to declare it Karen - to not do so leaves you exposed, as exposed as not being insured at all.

The big choice really is more do you declare it and have insurance exempt for the declared condition (i.e. you are insured for everything other than any problems that are related to the declared illness/condition) - or declare it and pay an extra fee to be covered for all possibilities including those relating to the declared ailment/condition.

The extra you pay is often far less than you might imagine - and peace of mind on your hols is...priceless.

Title: Re: Any need for travel insurance if have residency with health care policy
Post by: Karennina on December 31, 2016, 00:14:57 AM
Thanks Keith what you have posted makes sense ( as always!)  your right we will declare it or il be worry guttsing the whole time we are away its not worth it to not tell the insurance company...
Title: Re: Any need for travel insurance if have residency with health care policy
Post by: BernieTeyze on December 31, 2016, 00:25:53 AM
If it's any help we used insure with. They cover pre existing conditions,p without it being too pricey.
Title: Re: Any need for travel insurance if have residency with health care policy
Post by: Scunner on December 31, 2016, 00:27:17 AM
Also try M&S Travel Insurance and John Lewis - both good for this. Also www.staysure.co.uk
Title: Re: Any need for travel insurance if have residency with health care policy
Post by: marina on December 31, 2016, 14:39:12 PM
Another one to have a look at is Avanti.  They specialise in insuring people with medical conditions.  I'm just looking for a worldwide, joint policy for our next trip to New Zealand next year and will give these a try, have also used Staysure in the past and they are pretty good. 
Title: Re: Any need for travel insurance if have residency with health care policy
Post by: Colwyn on December 31, 2016, 15:49:11 PM
have also used Staysure in the past and they are pretty good.
Staysure were the company that repatriated me when I had heart failure whilst staying in Turkey.
Title: Re: Any need for travel insurance if have residency with health care policy
Post by: sadler on December 31, 2016, 15:51:56 PM
A recommendation there then Colwyn.    :)
Title: Re: Any need for travel insurance if have residency with health care policy
Post by: marina on December 31, 2016, 16:24:00 PM
Definite recommendation then!   ;)
Title: Re: Any need for travel insurance if have residency with health care policy
Post by: Colwyn on December 31, 2016, 17:04:18 PM
A recommendation there then Colwyn.     :)
Absolutely.
Title: Re: Any need for travel insurance if have residency with health care policy
Post by: Karennina on January 01, 2017, 06:02:55 AM
Thank you all very much for recommendations, i cant say too much as not told family yet currently waiting on mri results and i totally dont want to jinx things, which i know with the barsteward that is cancer that is not bloody possible ( sorry for swearing but ist been a fraught nearly three months whilst trying to act 'normal" ;) all i will say though is all you male members ( no pun intended there) is if your 50 + get a psa level test or for the sake of a 2 minute exam it may just save your life...
And do not dismiss peeing probs as youv drank too much tea/ beer/ coffee etc any changes to normal habits get the test!
Title: Re: Any need for travel insurance if have residency with health care policy
Post by: Jacqui Harvey on January 01, 2017, 10:06:00 AM
Chin up Karen, I am sure, as I said before to you before, things will be fine.  All good wishes to you and Derek from me and Phil for a very happy and very healthy New Year.   Remember it is not far to walk over to our place for drinks and the invitation is open anytime. We look forward to seeing you both. X
Title: Re: Any need for travel insurance if have residency with health care policy
Post by: Karennina on January 01, 2017, 13:09:23 PM
Thank you Jacqui yes we plan to carry on totally with our plans thst weve made if any good has come from it and you just have to find a positive abd above all have some humor then its that we are now doing things earlier then originally planned...thank you for all your support and advice through out it all.
Its a date we look forward to it too we can now be saying we are going back to Turkey this year woop woop
Title: Re: Any need for travel insurance if have residency with health care policy
Post by: KKOB on January 05, 2017, 07:59:59 AM
Just found this posted on Facebook.

Thought i would share this, i have been trying to get travel insurance for a holiday/wedding i am going to in Santorini in August. Because i have had cancer i knew it would be difficult, anyway i have tried at least half a dozen insurance companies and the prices were staggering ranging from £2,500 (this is for a single 10 trip) £782, £590, etc etc, the lowest i got was £384. I was so annoyed as i have been clear for over two years and even when they insure you it excludes any pre existing conditions, then a lady i work with did a bit of research and came up with a company called insurancewith, (all one word), i put in all my details yet again and it came back with an unbelievable £22.84!!!!!! Well not believing my eyes i got someone to check it all, then i rang the company and a lady went through it all with me and said that the price was just that. Please pass this on to anyone who has had a serious illness it is brilliant, their phone number is 0845 8 687 234 and the website is insurancewith.com
Title: Re: Any need for travel insurance if have residency with health care policy
Post by: marina on January 06, 2017, 11:59:15 AM
Just a follow up on this, I have just booked an annual worldwide policy (excluding USA, Canada and Caribbean) for the two of us for £419.87, that's with the excess taken off.  With £75 pp excess it would have been £396.85 which I thought was very good.  All medical conditions and medications taken into account. This was Avanti.  The last worldwide policy we bought with Staysure 2 years ago was about £500 and I've had two more medical conditions to add since then!

If it's fairly straightforward you can do it online but I rang up and a very helpful lady talked us through it. 

Of course the proof of the pudding etc..  is if you need to make a claim and hopefully you won't but at least we have full cover.
Title: Re: Any need for travel insurance if have residency with health care policy
Post by: Karennina on February 05, 2017, 15:58:47 PM
 now we finally have all the facts and are getting back to normal and making plans, my lovely hubby does have prostate cancer fortunately it is a very low risk type and had the best news ever last week it has not spread outside prostate so its a case of 'treating' it with active surveillance 4 monthly trips to urology and yearly biopsies sooo happy the relief is immense....anyway do i need to tell the travel  insurance company about it as he is not going to be having any treatment at present and not been given any meds etc or do i still need to just to be on safe side? Thanks very much...and again all you male members 50+ any changes in weeing habits please see your gp just to check, that was the only symptom he had a sudden urge to go to the loo and stopping and starting mid flow we actually used to joke about it and say ' its your ole prostate' he was 60 last May, fortunately he has well man checks yearly at work and his psa level on this years had risen, again this is not a reliable test to use as a diagnosis but sooo grateful our gp followed up once they received the results, also for the sake of not even 2 minutes embarrassment having the prostate felt they can tell a lot from the size of it and if enlarged then a referral to urology is defo needed, cant fault the care he has received on the NHS from our gp surgury to the urology department at our hospital...sorry for the essay but I really do want to make men aware if they notice any changes, none of us seem to like talking about weeing and pooping and yet we all do it and they are just normal functions like eating and drinking which i guess both then lead to the other two things anyway!   :)  ;) :D
Title: Re: Any need for travel insurance if have residency with health care policy
Post by: sadler on February 05, 2017, 16:04:00 PM
Very pleased to hear the good news Karennina. Do you need to inform the travel insurance company's? I would say "absolutely". They will take any getout clause they can if, God forbid,  the worst happens and you need to make a claim.   :)
Title: Re: Any need for travel insurance if have residency with health care policy
Post by: Karennina on February 05, 2017, 17:22:34 PM
Thank you Sadler I definetely will you are right they would try not to pay out if like you say worst case scenario...my current policy expires in April and he wont be going anywhere before then so i think i wont do anything until I renew with who ever it may be!   :)
Title: Re: Any need for travel insurance if have residency with health care policy
Post by: marina on February 05, 2017, 19:16:03 PM
Agree with sadler completely Karennina. You do need to tell them everything or they will find any excuse not to pay out. To me if you are forking out for travel insurance there's no point not declaring something and run the risk of not being covered.
Really pleased the diagnosis not as bad as you'd feared.   :)
Title: Re: Any need for travel insurance if have residency with health care policy
Post by: Karennina on February 05, 2017, 20:16:25 PM
Thank you Marina   :) i know you are all so right i will get some quotes i think before renewing in April and add it when doing the quote   :)
Title: Re: Any need for travel insurance if have residency with health care policy
Post by: kayakebab on February 05, 2017, 21:34:00 PM
Glad it hasn't spread Karen and will be well monitored, you sound like you have a very god gp.

I made John go to Letoon last year for a well man check up.
He was horrified that they checked his prostate from within as I had told him it would only be a blood test.
Given all the stuff we women go through its not bad and he now has a baseline psa blood level.
Dont be shy boys..go and get checked. 

Sent from my LG-H815 using Tapatalk

Title: Re: Any need for travel insurance if have residency with health care policy
Post by: Lotty on February 05, 2017, 22:21:29 PM
I can't stress enough how important this is. As the previous posts confirm, if it is caught early enough it can be controlled. Symptoms like peeing more frequently or sudden urgent need to pee should be addressed as quickly as possible. A simple PSA test result and examination can put your mind at rest. Many men get prostate cancer in old age and it's not really a concern as it is painless and monitored closely, (watchful waiting). In these instances men will die WITH prostrate cancer, but not OF it. Sadly my husband Martin's prostate cancer was discovered too late and it had already broken out of the capsule and spread, firstly to his bones and then progressively to his lungs and liver. We were lucky to have 3 and a half years after initial diagnosis. Martin was only 56 when he died last April and the one thing he was passionate about was that all men, fathers, husbands, brothers and sons should be aware that this CAN be treated and closely monitored if caught early enough.
Title: Re: Any need for travel insurance if have residency with health care policy
Post by: sadler on February 05, 2017, 22:25:59 PM
Lotty, my thoughts and prayers are with you.
Title: Re: Any need for travel insurance if have residency with health care policy
Post by: kayakebab on February 07, 2017, 05:21:01 AM
Come on then boys. You all owe it to Lotty's Martin to make sure you go and get checked.
So very sad and so young, and so treatable if caught in time.
Lots of love to you Lotty x

Sent from my LG-H815 using Tapatalk

Title: Re: Any need for travel insurance if have residency with health care policy
Post by: Jacqui Harvey on February 07, 2017, 09:43:15 AM
It is a fact that a man's prostrate will get larger as they grow older.  It is also a fact that men are terrible for not visiting the Doctor and putting things off.   >:(
If you have not done it before, do it now, go and make an appointment for a check up.  This cancer is so treatable if caught in time. 
Lotty has been very brave after losing Martin, the love of her life.  So boy's read the great advice she has given and act on it.   ;)
Title: Re: Any need for travel insurance if have residency with health care policy
Post by: Karennina on February 07, 2017, 20:34:31 PM
Oh Lotty I am so sorry to hear that it was prostate cancer you lost your lovely husband to, I knew it was cancer but not that it was prostate truly I am deeply sorry to hear that his had spread and could not be cured...
We know that Derek has been very fortunate purely because he has yearly well man checks at work and on this years test result his psa had risen and fortunately our gp followed everything up...we are also fortunate that his is a non aggressive slow growing form...
Thank you Linda yes I think a lot of men are put off once they realise how the prostate is examined it is over and done with in a few minutes and to a gp its no different to feeling a foot or an arm...
Certainly if you notice any difference in your normal weeing habits and are 50+ a quick visit to your gp is soo worth having it checked out...
Title: Re: Any need for travel insurance if have residency with health care policy
Post by: Lotty on February 07, 2017, 22:04:13 PM
I really hope that all men young and old will have these simple checks. I would give anything - ANYTHING  for Martin to have been checked earlier. We just didn't know.

Karrenina, I'm so glad Derek has the non aggressive, slow growing form, it really is the most common type which once diagnosed is then monitored closely and rarely escalates. Life will carry on as normal.   :)

Women have similar discomforts with smear tests, breast checks etc. Nobody wants to have them, but really, all these tests are fairly painless and over in no time. If it saves your life. . . for me it's a no brainer.

PS - it was still so hard for me to even write this, Martin was incredibly courageous knowing there was no hope of recovery and I miss him so much every day. Thank you ladies for your kind words.   :)
Title: Re: Any need for travel insurance if have residency with health care policy
Post by: Karennina on February 07, 2017, 22:25:47 PM
I understand Lotty how hard it must have been for you to write this about your Martin.I am so sorry his was not picked up in time to be treated successfully, you are right Derek has been very lucky indeed re his prognosis and the monitoring he will be haviing...I just pray for the day when there will finally be a cure for this dreadful disease once and for all.
All the very best to you Lotty x