john gs1150
Registered user
Just looking on here about medical insurance on a motorcycle. In 2022 I had medical insurance for the above. While touring in Norway I suffered a cardiac arrest due to ventricular fibrillation, fortunately I was in a restaurant at the time. 2 people in my group knew CPR and attended to me, the restaurant had a dephibulator , that shocked me back to concesmes, I was then air lifted to Stravanga hospital. The Norwegian nhs then decided I needed an operation to fit an icd type pacemaker. They were given my medical insurance details, the insurance company was AXA,
AXA don't process medical claims they use a company called CEGA.
CEGA, cancelled my operation twice, putting a cardiac arrest patient under great stress.
Eventually icd pacemaker was fitted.
A gp was sent over from England to fly home with me on a commercial airline.
I had to wait 3 days in a cheap hotel for this to be arranged after being discharged from Stravanga hospital.
So you assume the insurance had paid for everything.
Not so after returning home , I was contacted by accounts department of stavanger hospital asking for a copy of my passport.
Naturally I asked why , they told me if not they would have to try and claim payment from CEGA/AXA, who were being very difficult.
It turns out that there is a reciprocal agreement between Norway and UK that we treat each others citizens, a copy of my passport would allow them to go down this road, so I sent them a copy also copy of my world wide health card, the replacement for the old E111.
So all AXA / CEGA really paid for was the 3 days in cheap hotel, the gp to come out from UK and accompany me on a commercial flight home, apparently cheaper than a Norwegian doctor.
Avoid AXA or any other insurance company that out sources medical claims to CEGA.
CEGA are a vial company who's only job is to settle a claim as cheaply as possible CEGA have an 86% dissatisfaction/ complaint rating on trust pilot. Your policy may say your covered medically for up to 15 million, but in reality they won't pay a penny if they can avoid it.
They claim their staff are medical personnel, but what medical staff would refuse an operation twice and stress out a cardiac arrest patient.
I went through CEGA's complaints process when I got home I was offered £250 in compensation, which I never took up.
To then put my life in danger was worth £250, tells as story to me does that.
I shall ever be endeated to the 2 guys that start CPR on me the restaurant for having a defib machine, the staff at Stravanga hospital , they all saved my life. And the reciprocal agreement between Norway and the UK.
I'd like to say the story ends there, but not quite I was insured for motorcycle breakdown with Carol nash, whole use AXA again. They refused to repatriate my GS as in their words it hadn't broken down.
But I couldntr ride it in Norway you can't drive or ride for 3mths after fitment of an icd pacemaker and in UK your license is suspended for 6 mths
I eventually got AXA to repatriate my GS by paying £1640 , pounds.
The GS was brought home by a multi drop courier, who they contacted, he was paid £1000, for the job, he was already in Norway, so. In reality AXA charge £640 for arranging it.
ie, send out an email tender and waiting for someone to accept it.
So until you come to presses a medical claim or breakdown claim you have no idea how you will be treated, but if either involves AXA or CEGA .
From my experience it will be extremely badly.
If anyone has had good reports for medical treatment via an insurance company, I would love to know the insurance company like wise any good reports for repatriation via a breakdown insurance company.
Enjoy your riding , ride safe, and I wish you all the best of luck, if you ever are unfortunate to have a medical or vehicle repatriation claim.
You never know how you will be treated until it happens.
As for myself I have recovered well and have my license back and an riding again
Stay lucky. .
AXA don't process medical claims they use a company called CEGA.
CEGA, cancelled my operation twice, putting a cardiac arrest patient under great stress.
Eventually icd pacemaker was fitted.
A gp was sent over from England to fly home with me on a commercial airline.
I had to wait 3 days in a cheap hotel for this to be arranged after being discharged from Stravanga hospital.
So you assume the insurance had paid for everything.
Not so after returning home , I was contacted by accounts department of stavanger hospital asking for a copy of my passport.
Naturally I asked why , they told me if not they would have to try and claim payment from CEGA/AXA, who were being very difficult.
It turns out that there is a reciprocal agreement between Norway and UK that we treat each others citizens, a copy of my passport would allow them to go down this road, so I sent them a copy also copy of my world wide health card, the replacement for the old E111.
So all AXA / CEGA really paid for was the 3 days in cheap hotel, the gp to come out from UK and accompany me on a commercial flight home, apparently cheaper than a Norwegian doctor.
Avoid AXA or any other insurance company that out sources medical claims to CEGA.
CEGA are a vial company who's only job is to settle a claim as cheaply as possible CEGA have an 86% dissatisfaction/ complaint rating on trust pilot. Your policy may say your covered medically for up to 15 million, but in reality they won't pay a penny if they can avoid it.
They claim their staff are medical personnel, but what medical staff would refuse an operation twice and stress out a cardiac arrest patient.
I went through CEGA's complaints process when I got home I was offered £250 in compensation, which I never took up.
To then put my life in danger was worth £250, tells as story to me does that.
I shall ever be endeated to the 2 guys that start CPR on me the restaurant for having a defib machine, the staff at Stravanga hospital , they all saved my life. And the reciprocal agreement between Norway and the UK.
I'd like to say the story ends there, but not quite I was insured for motorcycle breakdown with Carol nash, whole use AXA again. They refused to repatriate my GS as in their words it hadn't broken down.
But I couldntr ride it in Norway you can't drive or ride for 3mths after fitment of an icd pacemaker and in UK your license is suspended for 6 mths
I eventually got AXA to repatriate my GS by paying £1640 , pounds.
The GS was brought home by a multi drop courier, who they contacted, he was paid £1000, for the job, he was already in Norway, so. In reality AXA charge £640 for arranging it.
ie, send out an email tender and waiting for someone to accept it.
So until you come to presses a medical claim or breakdown claim you have no idea how you will be treated, but if either involves AXA or CEGA .
From my experience it will be extremely badly.
If anyone has had good reports for medical treatment via an insurance company, I would love to know the insurance company like wise any good reports for repatriation via a breakdown insurance company.
Enjoy your riding , ride safe, and I wish you all the best of luck, if you ever are unfortunate to have a medical or vehicle repatriation claim.
You never know how you will be treated until it happens.
As for myself I have recovered well and have my license back and an riding again
Stay lucky. .
