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Travel in Europe but not part of union : For Information
The E111 allows you to receive the equivalent of the National Health in the respective member country. This should not be confused with medical insurance, which is altogether different, for example under insurance you may be covered for additional benefits such as emergency dental treatment if you loose a filling or crack a tooth and are in pain. With the E111 you are not, plus any medication you require you have to pay for, whereas with insurance you can claim this back.
Plus with serious illnesses you are covered, to be repatriated home whereas with an E111 you are not covered for this. You should be OK providing you do not do anything stupid, like a headstand on the balcony of 20th floor of your hotel whilst drunk and falling over - that some insurance companies would claim invalidates your policy.
The reason I mention this is because with some of the newer accession countries (Poland, Latvia etc) into the EU the standard of the health system in parts is below that of our NHS. Therefore you would benefit from taking out additional holiday insurance. I speak from experience here having visited a Polish hospital, in 2006 but had insurance.
Because you are travelling for work your employer has a duty of care for your insurance. However, if you decide to take leave whilst overseas, you would be responsible to cover your own period whilst on leave.
However, Swiss and French hospitals are generally better than our NHS.
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