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  1. #1
    Join Date
    Oct 2019
    Posts
    4

    Default Health Insurance

    Hi, I'm new to this, just joined today. My partner and I fly out to Montenegro next week to begin our live aboard adventure. I have been looking at options for medical and health insurance and cant find anything that fits the live aboard criteria, only travel insurance.
    Can anyone advise a broker or insurer who covers basic health and medical insurance for live aboards cruising to multiple countries please? I wish to get cover regardless of the Brexit outcome.
    Thanks,
    DonHind

  2. #2
    Join Date
    May 2001
    Location
    North Wales, sailing Aegean Sea or Menai Strait
    Posts
    21,970

    Default Re: Health Insurance

    While EHIC still applies it is all you need, short of repatriation. Assuming you are an EU citizen. I have had an operation in Greece and friends have had medical treatment in that country that far outweighs what is offered in UK. All covered by EHIC.

    Otherwise, I believe that Topsail probably offer one of the best for yachtsmen.
    Answers to some technical queries at new website http://coxeng.co.uk

  3. #3
    Join Date
    Oct 2019
    Posts
    4

    Default Re: Health Insurance

    Thanks for that, I'll have a look at Topsail.
    Slainte,
    Don

  4. #4
    Join Date
    Jan 2003
    Location
    in limbo at the mo.
    Posts
    7,772

    Default Re: Health Insurance

    Have to agree with vyv, we had similar experience, you could also have a look at Inter American (Greek) they do health insurance, we had the get out of jail card with them, this paid for a helicopter flight from the islands in Greece to the mainland hospitals in an emergency, from what i remember it was under 100 euro, although we never used it.

  5. #5
    Join Date
    Sep 2004
    Posts
    1,248

    Default Re: Health Insurance

    You may find that the premiums are prohibitive, especially if you are over 50 and/or have any pre-existing conditions. We decided to self insure, and for the first ten years were way ahead of the game, till serious illness struck. We were lucky enough to be able to afford private care in Spain, but we could have returned to the NHS as we had taken care to maintain a UK address and stay registered with a GP.

  6. #6
    Join Date
    Oct 2019
    Posts
    4

    Default Re: Health Insurance

    Thanks also Davy_s and PlanB, we are considering all the options. Its great to get your feedback.
    Slainte,
    Don

  7. #7
    Join Date
    Jun 2004
    Location
    UK and NW Caribbean, Belize Mexico & Guatemala
    Posts
    379

    Default Re: Health Insurance

    Have a look at Bishop Skinner see https://www.bishopskinner.com/travel.../#.XZoWOkZKhm9, we have used them 3 times with no problems, very fair

  8. #8
    Join Date
    Mar 2002
    Location
    Greenwich
    Posts
    7,589

    Default Re: Health Insurance

    Quote Originally Posted by PlanB View Post
    You may find that the premiums are prohibitive, especially if you are over 50 and/or have any pre-existing conditions. We decided to self insure, and for the first ten years were way ahead of the game, till serious illness struck. We were lucky enough to be able to afford private care in Spain, but we could have returned to the NHS as we had taken care to maintain a UK address and stay registered with a GP.
    Actually, the fact that you were not resident in the UK means that by the rules the NHS should have charged you - but practically keeping an address and a GP registration means you are very unlikely to be caught. But if you do get ill and return to the UK after any length of time at all you are immediately covered as long as you move into a UK address that you say is your new permanent residence.

  9. #9
    Join Date
    Dec 2005
    Location
    2018/19 Floating west in the Pacific
    Posts
    2,227

    Default Re: Health Insurance

    Another vote for the Bishop Skinner policy noted above, I've just renewed ours for the 6th or perhaps 7th time this morning. I doubt that they're any more/less expensive than any other, but having once had the misfortune to need to make a serious claim against the policy and received fantastic support from the Insurers, I'm sticking with them.
    Hit the road often enough and eventually it will hit you back.

  10. #10
    Join Date
    Oct 2019
    Posts
    4

    Default Re: Health Insurance

    Thanks again to everyone that has replied. That's given me plenty to look at. Sorry if I'm being dumb but if you don't know, you don't know!
    Slainte,
    Don

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