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Baby Gracee.born overseas,


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#26 Fillyjonk

Posted 08 April 2012 - 09:20 PM

QUOTE (JustLynn @ 08/04/2012, 09:18 PM) <{POST_SNAPBACK}>
I believe (and I have my flame resistant suit on), that you can make a connection between the spelling of the name, the belief of entitlement to something they haven't paid for, and a Facebook appeal.


*snort*



#27 #YKG

Posted 08 April 2012 - 09:21 PM

I feel for the family but how many times do people  need to be told to get the right travel insurance. I along with other PP's dont see how it's the insurance company's fault if the people taking out the insurance dont read the fine print or ask the questions.

The name isn't annoying me but what does it the expectation that if people get themselves in trouble overseas (due to fault of their own or not) that that government is required to pay their bills to dig them out. I dont think anyone should automaticlaly expect the government to pay medical or legal bills just because someone is a citizen,that is what adequate travel insurance is for.

#28 ubermum

Posted 08 April 2012 - 09:21 PM

QUOTE (JustLynn @ 08/04/2012, 09:18 PM) <{POST_SNAPBACK}>
I believe (and I have my flame resistant suit on), that you can make a connection between the spelling of the name, the belief of entitlement to something they haven't paid for, and a Facebook appeal.

cclap.gif  roll2.gif

#29 Coffeegirl

Posted 08 April 2012 - 09:22 PM

QUOTE (ubermum @ 08/04/2012, 10:11 PM) <{POST_SNAPBACK}>
This.

I went overseas at the start of last year and when I booked the tickets and was buying insurance, I knew there was a chance I could possibly be in the first trimester by the time I travelled. Half of the trip was going to be in a country where I hold dual citizenship. I still made sure that whatever could possibly happen eg. miscarriage in the first trimester, I was going to be covered for. It's a shame that this has happened to this family, but unfortunately for them fate wasn't in their favour. They were lucky that they have been looked after at all, the hospital could have just refused to treat them without their insurance company's go ahead or proof of their ability to pay.


Ubermum. Just because you hold dual citizenship to the country you are visiting doesn't always mean you'll be covered under their medical system.  I hold Australian and Canadian citizenship, but as I do not reside permanently in Canada, I am not eliglble for health care whilst visiting.


I feel horrible for that family and the financial difficulties that they are going to face, but again, this is why people need to read the fine print of their insurance policies.  If you are unsure, ask the insurer.  Do not assume!



#30 Expelliarmus

Posted 08 April 2012 - 09:24 PM

QUOTE (muminbusiness @ 08/04/2012, 09:18 PM) <{POST_SNAPBACK}>
Why is her name annoying you?


Gracie.

I have to agree Just Lynn ... I have to agree.

it looks like a typo of Grace - like the editor left the 'e' key down too long.


#31 follies

Posted 08 April 2012 - 09:24 PM

QUOTE (howdo @ 08/04/2012, 09:16 PM) <{POST_SNAPBACK}>
Okay. I'm heartless I know but the baby's name is annoying me now.

Agree with .Jerry. The insurance company isn't "refusing to pay out". The baby wasn't covered.


+1 on both counts. I know people that hate their parents for those kind of spellings. I would never travel to America when pregnant, maybe England but they have a much better health cover system.

#32 #YKG

Posted 08 April 2012 - 09:29 PM

Actually Coffee Girl Australia has a reciprocal health care agreement with Canada and the UK. As long as you have your passport and medicare card you will be treated and without cost in public or if you go private then you pay and then portion of it back as you would here.

If you give birth in either countries until you get a medicar card and citizenship for the infant then they are different kettle of fish but the mother is treated under the agreement. Someone just has to tell the hospital you want to be treated under the reciprocal health care agreement.

Edited by YellowKittyGlenn, 08 April 2012 - 09:29 PM.


#33 bakesgirls

Posted 08 April 2012 - 09:30 PM

The parents probably didn't read the PDS of the insurance company. A lot of people don't even though they should. They may have even gone for the cheapest insurance even though it didn't cover everything. There are a few insurance companies out there that will cover pregancy upon application and medical clearance, but you pay through the nose to be covered.

The insurance company shouldn't have to pay out. They are a business, not a charity. The baby wasn't covered. Pregnancy wasn't covered.

I feel for the family, but ultimately they are responsible for the bills, no one else. They really should have known what they were and were not covered for.

Edited by bakesgirls, 08 April 2012 - 09:40 PM.


#34 heidles82

Posted 08 April 2012 - 09:30 PM

QUOTE (sueb31 @ 08/04/2012, 09:18 PM) <{POST_SNAPBACK}>
Heidles, I'd be very careful about whether your unborn child is covered if they are born prematurely. I haven't come across a company that will. Plenty will cover the mother if pregnant but none the child if they are born.


I thought the same but contacted the insurer (Columbus Direct) and confirmed they cover pregnancy and premature birth. I have it in writing:
QUOTE
We do not consider pregnancy to be a pre-existing medical condition so
you would not need to disclose the condition and it would not affect the
price at all.

We cover pregnancy providing you are;

Returned home by the end of the 30th week (so we could not cover
pregnancy where you intend to travel into the 31st week at all) Not
travelling against doctor's advice There are no complications It's not a
multiple pregnancy There was no use of reproductive technology

This criteria is written into the policy wording and, providing you meet
it, we would cover unexpected claims arising from the pregnancy
including the costs to have yourself and your child treated at hospital
or returned to Australia for treatment if you where to go into premature
labour while on the trip.

However if you were making a claim in regards to the pregnancy you would
need to supply medical documents to show that she met the criteria at
the time of purchase.



#35 purplekitty

Posted 08 April 2012 - 09:33 PM

QUOTE (YellowKittyGlenn @ 08/04/2012, 09:29 PM) <{POST_SNAPBACK}>
Actually Coffee Girl Australia has a reciprocal health care agreement with Canada and the UK. As long as you have your passport and medicare card you will be treated and without cost in public or if you go private then you pay and then portion of it back as you would here.
UK, not Canada.



#36 ubermum

Posted 08 April 2012 - 09:33 PM

QUOTE (Coffeegirl @ 08/04/2012, 09:22 PM) <{POST_SNAPBACK}>
Ubermum. Just because you hold dual citizenship to the country you are visiting doesn't always mean you'll be covered under their medical system.  I hold Australian and Canadian citizenship, but as I do not reside permanently in Canada, I am not eliglble for health care whilst visiting.

Which is exactly why I extensively researched my entitlements in any situation despite holding dual citizenship. I didn't automatically assume I would be entitled to anything. I was only hypothetically going to be in the first trimester at that stage too, so coverage would only be for me as the baby would not be viable at that gestation. As it was, although we were ttc, I didn't fall pregnant before my holiday, but I was covered for miscarriage/ hospital anyway.

#37 emnut

Posted 08 April 2012 - 09:47 PM

QUOTE (YellowKittyGlenn @ 08/04/2012, 09:29 PM) <{POST_SNAPBACK}>
Actually Coffee Girl Australia has a reciprocal health care agreement with Canada and the UK. As long as you have your passport and medicare card you will be treated and without cost in public or if you go private then you pay and then portion of it back as you would here.

If you give birth in either countries until you get a medicar card and citizenship for the infant then they are different kettle of fish but the mother is treated under the agreement. Someone just has to tell the hospital you want to be treated under the reciprocal health care agreement.


If that was the case then why did a couple who had a premature baby in Canada earlier this year end up with a million dollar bill for the baby that they ended up getting a payment arrangement for (albeit one where they will never pay the full amount back)?

#38 Coffeegirl

Posted 08 April 2012 - 10:01 PM

YellowKittyGlen.

Quote direct from Medicare.

QUOTE
Travelling Overseas
On this page
What am I entitled to?
Will I need travel insurance?
How will I prove Iím eligible for reciprocal health care?
Taking and sending PBS medicine overseas
More information
What am I entitled to?
Medicare benefits are not available for treatment received overseas, however, the Australian Government has signed Reciprocal Health Care Agreements which means that as an Australian resident you are entitled to assistance with the cost of medical treatment in:

New Zealand
The United Kingdom
The Republic of Ireland
Sweden
The Netherlands
Finland
Italy
Belgium
Malta
Norway
Slovenia
Australia's Reciprocal Health Care Agreements with these countries cover any medically necessary treatment you require which may arise while in that country
.

Again. People need to read the fine print.  Rules change daily and what may have applied to one person 5 years ago, may not apply today.  


I've been in Australia for 20 years and have never been covered under Medicare whenI travelled home.  Nor was I covered by Canada when I came here.  I had to apply for, and be granted a Medicare card.  

Ubermum,  Sorry if I misread your post, I read it as you expected to be covered under your dual citizenship.   original.gif


And yes a similar premature birth hit an Australian couple visiting Canada just before they boarded their flight home.   They received a million dollar bill from the BC government.  
Difference there is that they aren't trying to blame their insurance company.  They've made a deal to pay off the bill(at $300/mth!). But they accepted the responsibility..


#39 *Lib*

Posted 08 April 2012 - 10:07 PM

But is a premmie considered an Australian resident, if they haven't lived in australia yet?

#40 Hayleymumof3

Posted 08 April 2012 - 10:08 PM

Didn't this happen a few years ago to a woman who against medical advice flew to Fiji and then she had the nerve to sook that the Australian Government wouldn't help her out?

It's a risk you take when you travel while pregnant, She wasn't covered why should the Insurance company pay up?

QUOTE
Difference there is that they aren't trying to blame their insurance company. They've made a deal to pay off the bill(at $300/mth!). But they accepted the responsibility..


This



#41 Freddie'sMum

Posted 08 April 2012 - 10:12 PM

I really need to ask a stupid question here .....

I traveled back to NZ when I was in the first trimester with DD#1.

DH and I had travel insurance.  Nothing happened but we are very boring people who always have travel insurance when we go o/seas.

This couple (and the other couple who had their baby in Canada) both had travel insurance - someone mentioned earlier about whether pregnancy was a "pre-existing condition" - does this mean that the insurance only covers the mum and NOT the baby ??

Can you actually get travel insurance to cover the mum AND the baby if you are pregnant ??

Like I said - it's a stupid question - and I don't know the answer.



#42 muminbusiness

Posted 08 April 2012 - 10:13 PM

QUOTE (*Lib* @ 08/04/2012, 11:07 PM) <{POST_SNAPBACK}>
But is a premmie considered an Australian resident, if they haven't lived in australia yet?

My master 3 was born in Australia to a NZ mum and a oz dad. When he was born he wasnt a citizen of anywhere. I had to apply. So for 8 months he was an NZ citizen but had not lived there at all. We then went there on holiday.


#43 *Lib*

Posted 08 April 2012 - 10:16 PM

QUOTE (Freddie'sMum @ 08/04/2012, 10:12 PM) <{POST_SNAPBACK}>
I really need to ask a stupid question here .....

I traveled back to NZ when I was in the first trimester with DD#1.

DH and I had travel insurance.  Nothing happened but we are very boring people who always have travel insurance when we go o/seas.

This couple (and the other couple who had their baby in Canada) both had travel insurance - someone mentioned earlier about whether pregnancy was a "pre-existing condition" - does this mean that the insurance only covers the mum and NOT the baby ??

Can you actually get travel insurance to cover the mum AND the baby if you are pregnant ??

Like I said - it's a stupid question - and I don't know the answer.

My understanding is the cover insures the mum but not a LIVE birth. Covers M/C but not a premmie.

#44 *purple*

Posted 08 April 2012 - 10:17 PM

So what happens when the baby is due to be discharged and they can't pay the bill?

#45 ubermum

Posted 08 April 2012 - 10:18 PM

QUOTE (Freddie'sMum @ 08/04/2012, 10:12 PM) <{POST_SNAPBACK}>
This couple (and the other couple who had their baby in Canada) both had travel insurance - someone mentioned earlier about whether pregnancy was a "pre-existing condition" - does this mean that the insurance only covers the mum and NOT the baby ??
Can you actually get travel insurance to cover the mum AND the baby if you are pregnant ??
Like I said - it's a stupid question - and I don't know the answer.

No stupid questions, just stupid people wink.gif
Some insurances will not cover pregnancy at all because it is a pre-existing condition. Some will cover the mum and her expenses, but not the baby. I don't know if any cover both, but according to one pp, there is at least one that does.


#46 Expelliarmus

Posted 08 April 2012 - 10:22 PM

QUOTE (*Lib* @ 08/04/2012, 10:07 PM) <{POST_SNAPBACK}>
But is a premmie considered an Australian resident, if they haven't lived in australia yet?

Citizenship and immigration law is quite clear. the fact she is premmie and has not lived in Australia is a completely moot point. Her parents are Australian. As with any child born overseas to Australian citizens all the parents need to do is register her birth at the Australian embassy or consulate.

QUOTE
The Australian Department of Immigration and Citizenship (DIAC) at the Consulate-General in Auckland handles Australian citizenship matters, including the registration of births of children born overseas to Australian parents.


I could not find anything so specific on the equivalent US page but The Australian High Commission registers births for Australians overseas. The UK page also speaks of registering Australian citizenship for overseas births.

#47 LynnyP

Posted 08 April 2012 - 10:25 PM

We actually had to front up to an Embassy with Siobhan for the Australian citizenship by descent.

#48 Expelliarmus

Posted 08 April 2012 - 10:27 PM

I still think it's highly dramatic to say she's not an Australian citizen. It's a formality.

That's the quality of the journalism, no doubt.

#49 tinkster23

Posted 08 April 2012 - 10:27 PM

QUOTE (.Jerry. @ 08/04/2012, 07:14 PM) <{POST_SNAPBACK}>
The insurance company isn't "refusing to pay out".  The baby wasn't covered.  Simple.

Don't go being all logical Jerry, really there's no need for that.  tongue.gif

#50 Acidulous Osprey

Posted 08 April 2012 - 10:30 PM

QUOTE (muminbusiness @ 08/04/2012, 10:13 PM) <{POST_SNAPBACK}>
My master 3 was born in Australia to a NZ mum and a oz dad. When he was born he wasnt a citizen of anywhere. I had to apply. So for 8 months he was an NZ citizen but had not lived there at all. We then went there on holiday.


Why on earth would you apply for NZ citizenship for a child resident in Australia and born to an Australian citizen?  Surely you applied for dual?




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