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Healthcare on the Isle of Man - Frequently Asked Questions
What has changed with healthcare on the Isle of Man?
The UK Government has decided to end the Reciprocal Health Agreement.
What is the Reciprocal Health Agreement?
The reciprocal health agreement was a long-standing arrangement between the Isle of Man and the UK. It allowed residents of both countries to receive free health treatment when visiting each others’ countries.
When is the agreement ending?
The agreement is due to end on March 31, 2010.
Why is the agreement ending?
The UK Department of Health has given notice that it is terminating this arrangement.
What does this mean?
From April 1, 2010, healthcare, other than immediate accident and emergency treatments (see below), provided to most people visiting the Isle of Man will have to be paid for
If I am visiting the Isle of Man and need to attend an Accident and Emergency Unit for treatment, will there be a charge?
Charges do not apply in respect of treatment provided in an Accident and Emergency Department, a “walk-in” centre or immediately necessary treatment from an Isle of Man GP.
When will there be a charge?
Charges will apply if you are subsequently admitted into hospital as an in-patient after receiving emergency or immediately necessary care.
Do I need to buy travel insurance?
Travel insurance is not compulsory but you should be aware that the costs of treatment for accident or illness, including your repatriation, could be significant and will have to be paid. You might prefer to shop around to find the right product at a competitive price rather than opt to travel without insurance cover.
It is your responsibility to ensure that you have adequate and appropriate cover. You are strongly recommended to seek professional advice.
Some issues that you may wish to consider are included below. This is not a complete list and does not take account of your personal position:
• Always examine the policy’s conditions and exclusions and talk to your insurer or broker if you are in any doubt about whether the policy covers the Isle of Man, including full medical cover and medical repatriation
• Cheaper policies will usually have less cover – you should be sure to check that the Isle of Man is covered and that the overall level of cover is adequate for your needs before making your decision.
• Always declare any current or past medical conditions. Failure to do so may result in you not being covered by your policy. If in doubt seek advice.
I have been offered travel insurance by my travel agent, will I be covered for any healthcare expenses in the Isle of Man?
The same advice holds for this as with any insurance you choose to buy, do check with the insurer or broker that the policy cover will offer the cover you require for your own circumstances.
I have an annual travel insurance policy, will I be covered?
You should seek advice from your insurer or broker as well as checking the policy’s terms, conditions and exclusions. This should include ensuring that the policy covers any medical charges that may be incurred on the Isle of Man.
Where can I get further advice from?
More information for UK residents in relation to travel insurance can be found at the UK Foreign and Commonwealth Office’s website:
http://www.fco.gov.uk/en/travel-and-living-abroad/staying-safe/travel-insurance
Details of healthcare on the Island can be provided by the Isle of Man Government Department of Health & Social Security: Website:www.gov.im/dhss Further details for Isle of Man Residents on the Reciprocal Health Agreement can also be found on that site at http://www.gov.im/dhss/reciprocal_agreement/ Email: healthservices.dhss@gov.im Telephone: (01624) 642608
Please Note:The comments provided are not exhaustive and are for information purposes only. The Department cannot be held liable in any way for matters arising as a result of a person’s use of such information.
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