A useful feature of a travel insurance policy is hospital benefit insurance. There is an amount available that is per person for each complete 24 hours that you may be required to stay in hospital as an in-patient. The benefit will also be available if you are confined to your accommodation due to your compulsory quarantine or on the orders of a medical practitioner outside your home area as a result of bodily injury, illness or disease that you may sustain.
The hospital benefit travel insurance is payable in addition to any amount payable under the emergency medical and other expenses section of the policy. It is useful as it can help you pay for additional expenses such as taxi fares and phone calls which you may need to spend for yourself or your visitors during your stay in hospital..
You will need to get in touch with the emergency medical assistance helpline that insurers have to notify your intention to claim for this amount.
There are some circumstances that will not be covered under you hospital benefit travel insurance and these will often be:-
- Any additional period of hospitalisation, compulsory quarantine or confinement to your accommodation:
relating to treatment or surgery, including exploratory tests, which are not directly related to the bodily injury, illness or disease which necessitated your admittance into hospital.
relating to treatment or services provided by a convalescent or nursing home or any rehabilitation centre.
following your decision not to be repatriated after the date when, in the opinion of the Medical Assistance team, it is safe to do so.
- Hospitalisation, compulsory quarantine or confinement to your accommodation:
- relating to any form of treatment or surgery which, in the opinion of the Medical Practitioner in attendance) can be delayed reasonably until your return to your home area.
- as a result of a tropical or other disease where you have not had the NHS recommended inoculations and/or taken the NHS recommended medication.
- occurring in England, Scotland, Wales, Northern Ireland, the Isle of Man or the Channel Islands and relating to either private treatment or tests, surgery or other treatment, the costs of which are funded by a reciprocal health agreement (RHA) between these countries and/or islands, or are funded by or recoverable from the Health Authority in your home area.
It is always wise to check the General exclusions for anything that may apply here.
To make a claim you will need confirmation in writing from the hospital, relevant authority or the treating medical practitioner on the dates of which you were admitted and subsequently discharged from hospital, compulsory quarantine or confinement to your accommodation.
You will often find that your hospital benefit travel insurance may be restricted in the event of War risks, civil commotion and terrorism. Under this section hospital benefit with only be payable if caused by nuclear, chemical or biological attack, or the disturbances were already taking place at the beginning of any trip.
For all travellers hospital benefit insurance can be a valuable benefit to have with you at all times. Don’t leave home without it.