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Geschäftsreise auf Englisch - Krank im Ausland?

Schlagwörter: Geschäftsreise auf Englisch, Englisch Geschäftsreise, Business Trip Englisch, Krank im Ausland

It’s one of the most hated costs in the world: health insurance. Every month, a large chunk of hard-earned money goes to some seemingly high-profit company or money-wasting government bureaucracy and, most of the time, you feel you get nothing in return. Worse, when you do need to make a claim, you often need to pay for some or all of the costs yourself. The situation can be much more complicated if you travel abroad without supplemental insurance.

Health costs

Like any other insurance, the purpose of health insurance is to help reduce financial risk. If you have national health cover, the amount you pay monthly and the risk reduction you receive for that amount are predetermined by a public authority.The drawback is that the insured feel they pay more than they should for what they receive — especially if they are healthy. The primary benefit of private insurance is that it allows consumers to decide which risks they would like to cover; they then pay a corresponding premium. The drawback is that as one ages, the premiums tend to goup, forcing many to cut back on exactly the coverage they may need most.

Although it’s easy to get the feeling that health insurance completely eliminates out-of-pocket expenses in the event of a health incident, this is often not the case. At home,your cover may exclude reimbursement for experimental procedures, unproven treatments, and medications that deliver unmeasurable or inconsistent results. Whenyou’re travelling abroad, the exclusions can include unanticipated but necessary costs for treatments that would have been fully covered at home. Expensive dental workmay not even be covered at all while abroad.
Serious health conditions requiring immediate action can also create a dilemma.The cost of having major surgery abroad may be so expensive that your insurance company requires you to have the surgery at home, and yet the cost of getting home can be prohibitive if you’re in poor medical condition. The cost of an air ambulance from the US, for instance, can tower to over € 50,000 depending on the circumstances.

The best way to insure you’re covered for every eventuality is to have good travelhealth insurance, which offers:

Full coverage for an accident or sudden illness abroad that includes all required procedures and pays for anything your core health insurance cover does not

Full dental coverage for work that is not of preventative or cosmetic nature

Cover for 24-hour emergency service,assistance, and transportation, includingair ambulances

Personal liability insurance in case you’re sued for injuring someone or damaging property

Coverage for lost and stolen possessions

Reimbursement for the costs of curtailing or cancelling remaining travel

Reimbursement for legal costs

Useful travel phrases

Is there a drug store in the area?
( North America )

Where is the nearest chemist’s?
( UK, AU, NZ )

At the chemist’s

Can I have a prescription made up?
( UK, AU, NZ )

Can you fill a prescription for me?
( North America )

How many times a day should I take thismedication?

What should I do if I miss a dose?

We don’t recognize foreign health insurance programmes. You’ll have to pay all costs out-of-pocket and submit them for reimbursement when you return home.

At the hospital

Can you tell me where the admitting office is?

Where is your emergency room?

I’m covered by a private health insurer in Germany.

I’m insured through the national health system in Germany. Here’s my EHIC.

I also have travel insurance that covers anything my health insurance does not.

Are you able to work with my health insurer?

I’m not able to pay for such costs myself.Could you please contact my insurance company directly and sort it out? I’m well-insured,so there should be no problem.

At the doctor

I’m visiting from Germany on business and need to see a doctor as soon as possible. Would you be able to work me in? I leave in three days.

I need to get the procedure you recommend approved by my insurer before we proceed.

How much will the treatment cost?

I have a € 2000 deductible. Is there anything we can do to reduce the cost?

I’m not sure if my health insurance covers that.

My health insurance provider may not cover that drug. Could you prescribe the least expensive variation available?

My health insurance requires me to get a second opinion.

Schlagwörter: Geschäftsreise auf Englisch, Englisch Geschäftsreise, Business Trip Englisch, Krank im Ausland

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