Policy Wording - Insure me 4

Reciprocal Health Agreements
EU, EEA or Switzerland
If you are travelling to countries within the European Union (EU), the European Economic Area (EEA)
or Switzerland you are strongly advised to obtain a European Health Insurance Card (EHIC). You can
apply online at www.ehic.org.uk or by telephoning 0300 3301350. This will entitle you to benefit from the
reciprocal health care arrangements which exist between countries within the EU/EEA or Switzerland. In the
event of liability being accepted for a medical expense which has been reduced by the use of a European
Health Insurance Card we will not apply the deduction of excess under Section 2 – Emergency Medical
and Repatriation.
Australia and New Zealand
If you require medical treatment in Australia or New Zealand you must enrol with a local MEDICARE office.
You do not need to enrol on arrival but you must do this after the first occasion you receive treatment. Inpatient
and outpatient treatment at a public hospital is then available free of charge. Details of how to enrol
and the free treatment available can be found in the Health Advice for Travellers booklet available from your
local Post Office. Alternatively please call ERV’s Assistance Service for guidance.
If you are admitted to hospital contact must be made with ERV’s Assistance Service as soon as possible
and their authority obtained in respect of any treatment NOT available under MEDICARE.
Contact ERV Assistance on telephone number 0044 207 902 7408.
Travel Assistance
You can use this service outside the United Kingdom during your journey. If you have an emergency
please contact ERV Assistance as soon as possible. When dialling from outside the United Kingdom
phone 0044 207 9027408. You may reverse the call charges when using this service. Please give ERV
Assistance your age and your certificate number.
The service includes:
• medical advice abroad related to your claim
• assistance in locating suitable doctors, hospitals, clinics and dentists when consultation or minor
treatment is required;
• assistance with arrangements for a doctor to call and if necessary hospitalisation;
• continued medical monitoring of the patient’s condition;
• help to obtain special drugs if unobtainable locally, and dispatching of them to the patient;
• arranging for a translation service when necessary, where the provider of an assistance service
does not speak English; (is under legal expenses)
ERV Assistance will only help arrange these services. You or a relative or friend in the United Kingdom
must pay for the tickets, travel documents, medication, drugs, emergency funds or any extra costs, or we
can arrange for your card to be debited which ERV Assistance will discuss with you at the time you call.
Meaning of words
Wherever the following words and phrases appear in this policy they will always have these meanings:
Accidental bodily injury – An unexpected event which results in your bodily injury, that is due to a violent,
sudden and external cause which occurs during a trip. This must occur at an identifiable time and place
which solely and independently of any cause results within 12 months, in the death, loss of limb, loss of
sight or the permanent total disablement of an insured person.
The following are also defined as accident(s) under the terms of this policy:
• Asphyxia or injuries caused by gases or vapours, immersion or submersion, or from the
consumption of liquid or solid matter other than foodstuffs.
• Infections resulting from an accident covered by the policy.
12 Travel Insurance Policy Documents