Employee insurance query.

[ben0850]

Morning All..

Im struggling to find some clear guidance on the following circumstances and wondered if any of the PW faithful had any similar experiences..?

 

My old man drives coaches for a living after retiring from farming and frequently drives abroad with the coach (ski trips and the like) he had to be admitted to hospital in Switzerland due to an infection, to cut a long story short he and the other drivers believed the coach company had insurance in place for this kind of thing however it appears they do not.

Im guessing that the statutory employers liability insurance wouldnt cover this type of scenario as the infection wasnt as a result of actual work?

 

Any thoughts?

[Lloyd90]

Morning All..

Im struggling to find some clear guidance on the following circumstances and wondered if any of the PW faithful had any similar experiences..?

 

My old man drives coaches for a living after retiring from farming and frequently drives abroad with the coach (ski trips and the like) he had to be admitted to hospital in Switzerland due to an infection, to cut a long story short he and the other drivers believed the coach company had insurance in place for this kind of thing however it appears they do not.

Im guessing that the statutory employers liability insurance wouldnt cover this type of scenario as the infection wasnt as a result of actual work?

 

Any thoughts?

I'd highly doubt it, employers liababilyy is just that, cover if the employer is liable.

 

How can you claim they are liable if your dad became unwell?

 

They'd either have to do something or not do something that should be done (such as jabs if legally required etc) to be negligent.

 

Sorry mate.

[ben0850]

I'd highly doubt it, employers liababilyy is just that, cover if the employer is liable.

 

How can you claim they are liable if your dad became unwell?

 

They'd either have to do something or not do something that should be done (such as jabs if legally required etc) to be negligent.

 

Sorry mate.

Yeh agreed totally on the employers liability bit. I suppose what I was wondering is in the transport industry is it common that the employer insures their staff when working abroad for the same sort of stuff personal holiday travel insurance costs?

 

Seems a bit stiff for the individual employees to have to take out additional insurance at their own cost when being asked to work abroad?

[oldypigeonpopper]

hello, might be worth looking at getting his own PSV and health insurance,

[Stonepark]

Because the job requires your dad to drive out of the country for business purposes, his employer should have insured him as part of his employment as he us there on business, not pleasure.

 

Sounds like employers were skimping to save on costs.

 

Also, traveling with 30+ other people for hours in a confined space, almost ensures any bugs are spread around.

 

I would make it clear to the employer that your dad will be reclaiming costs from them.

[Lloyd90]

Because the job requires your dad to drive out of the country for business purposes, his employer should have insured him as part of his employment as he us there on business, not pleasure.

 

Sounds like employers were skimping to save on costs.

 

Also, traveling with 30+ other people for hours in a confined space, almost ensures any bugs are spread around.

 

I would make it clear to the employer that your dad will be reclaiming costs from them.

Now this could be onto something.

 

Whilst it wouldn't come under employers liability insurance, as it was part of his role to travel outside of the country they MIGHT have to cover him.

 

You probably need to check his employment contract.

 

When I worked abroad we were very clearly told to bring our European health care cards. If unwell we had to pay for ourselves, although the cost of visiting the doctors for 50 was always covered by the hotel we worked for as we would sent hotel guests to them if they needed a doctor. You only ever had to pay for your medications then.

 

A friend went to hospital one time and was on a drip and again didn't have to pay anything. He showed them his EU healthcare card and gave some details and never heard anything else.

 

Are they trying to bill your dad?

[ben0850]

Stonepark.. this is what we were wondering, all of the drivers thought they were covered but its shocked them to find out they were not, I mean if one of them had a heart attack or worse and had to be flown home the uninsured costs would be staggering.

Lloyd my old man had his Euro health card with him but still copped for some hefty prescription bills when discharged from the Swiss hospital, he was told at the time hed be able to claim them back from the insurance.. it now appears thats not the case.

[Jaymo]

I’m employed by a UK Company but based in Europe, travelling all over.

We’re not ‘insured’ per se and it’s in our T&C’s that we hold a valid EHIC card- they are however decent enough to reimburse us for any out of pocket expenditure.

Have used a few healthcare providers in France, Germany and the Netherlands. Each time using my EHIC card, sometimes bing asked to pay a ‘contibution’ And other not.

 

The EHIC system is fabulous in its acceptance from my experiences.