Quote Originally Posted by Witton Park View Post
I have experience overseas. My son fell from a height in Menorca and had a lump on his head. Luckily a GP surgery was just across the road.
He wouldn't touch us until he saw the insurance.
At hospital, they X rayed etc and then advised he needed to stay in, so I stayed overnight.
The morning after, I had to wait for a Doctor to sign the release.
I advised I would just go if they didn't get on with it.
the allocated interpretor came to see me and explained that if I discharged my son before the Dr did, my insurance would be invalidated.

They realised him 24 hours and 4 minutes after we were signed in.

I called the insurers to advise them that they refused to accept under the then E111 and they said don't worry it is par for the course.
They also advised me that a 24 hour stay is more lucrative, hence the long wait until being released.
That is the problem with private health care - things that are not necessary but can vaguely be justified are done, and of course charged for. As an example, one of the biggest risk factors for having your gall bladder removed is having gall stones, but the other big risk factor is private health insurance.