hi all im stewart, returned, looking for advice

[ampy]

Hi Steward,if you are thinking about the climate in the philippines,you may aswel l look at the place in tagaytay or Baguio city,they will have loads of house for rent there and climate is a lot cooler,I think its about time to see your lady and enjoy while you can,if you dont doubt her at all,just rent your house in the uk and leave on its rent money,it wont cost very much there,it will also help you both a lot to get a a visa if you own a property in the uk.I have been there,been in a situation as you and your gf,my husband was a lot older than me and if it is a mistakes being with me he said he will do it again and again and again.Good luck,and dont keep her waiting for much longer...

[Terpe]

.....but i read it as , iv always lived in uk so that covers me for living 10 years continuous residence in the UK, and have been abroad for less than 5. (that as long as i come back to uk just short of every 5 years il be ok ?)

Stewart, please read again.

Also read this:-

Anyone who is deemed to be ordinarily resident in the UK is entitled to free NHS hospital treatment in England. “Ordinarily resident” is a common law concept interpreted by the House of Lords in 1982 as someone who is living lawfully in the United Kingdom voluntarily and for settled purposes as part of the regular order of their life for the time being, with an identifiable purpose for their residence here which has a sufficient degree of continuity to be properly described as settled.

Anyone who is not ordinarily resident is subject to the National Health Service (Charges to Overseas Visitors) Regulations 1989, as amended. These regulations place a responsibility on NHS hospitals to establish whether a person is ordinarily resident; or exempt from charges under one of a number of exemption categories; or liable for charges.

[Rosie1958]

Hi

Just found the advice given to me by the hospital that treated my brother:-

Who is eligible for free NHS treatment?
The rules about free NHS treatment are very complex and we advise our staff not to try to guess but to ask us if they are in any doubt. There are groups of people for whom treatment is always free, groups for which certain types of treatment is free and groups for which all but the most emergency treatment must be paid for by themselves or by insurance.

In brief - as a general guide only:

Hospital treatment is free to people who 'ordinarily live in the UK'. If you do not normally live in the UK, you might be asked to pay for any treatment you might need - this is regardless of whether you are a British citizen or have lived or worked here in the past.

There is a long list of people who are entitled to free treatment - typically you must prove 12-months of residency but there are exemptions based on employment, country of residence or education etc.

We are allowed to ask for evidence to support eligibility.

All treatment given in the Emergency (A&E) Department is free.

Any patient who attends a consultant's clinic or who is admitted to hospital, whether as an emergency (including admission via A&E) or otherwise, will be liable to pay charges unless they are eligible for free NHS treatment.

If more extensive treatment is needed after an emergency, which might require payment, we will discuss this with patients/relatives first. We try to be sensitive to circumstances and will wait until it is a good time to speak with them.

People who have certain infectious diseases (on the Communicable Disease list) are eligible for some free treatment. These people tend to be treated in our genitourinary medicine clinic or infectious disease inpatient areas. Note treatment for HIV/AIDS is excluded - only first diagnosis and associated counselling sessions are free.

For up to date information about eligibility for free NHS treatment, see the Department of Health 'Overseas visitors' website: www.doh.gov.uk/overseasvisitors/

[ampy]

when you get married she can always get a 24 hours visa to get to the uk,your our medical treatment will be your reason to get her in the uk,employed or not,but she will not allowed for any public funds,as long as you pay your contribution to the uk,even you are not in the country for 15 yrs,you should still get it,but they rather you are not absent for that long period.I got 24 hrs visa,husband got free NHS treatment,not emloyed ,penny less,absent for 15 yrs and leave abroad,no house in the uk,so you are in better deal...you have a house here in the uk.treatment

[imagine]

thanks Rosie, i think i may need to do some research there,it seems a little conficting in itself and not that i dont believe yourself with that info, but i find it hard to digest that a uk born citizen paying national insurance all his lfe, can only live abroad for 3 months then after which loose his/her entitlement,that he/she has worked for and contributed,
i have another question also with regard to health and private fees, Q, if i fell ill and was hospitalised in philpines, if i was unable to finance the bill,either by cash,cheque,insurance,credit card,and a sale of my property,still wouldnt cover the total, bear in mind i will be married to brenda,, if i cant pay does the law make brenda responsible for my outstanding bill, and vise versa ?
for less major health matters brenda has a private insurance,which she tels me allows her spouse to be covered at no extra cost on her policy, also she believes if i couldnt imediatly finance my medical charge that she could guarentour me

[JimOttley]

Sorry if it's confusing Stewart, I copied the advice from the Citizen's advice bureau website. As I see it from this advice, it appears that you have to be living in the UK for a continuous 12 months before you seek treatment to qualify for free NHS treatment. If you leave for periods of longer than 3 months, it appears that you may not qualify.

So you pay into the system for 40 years hardly if ever use it, take a three month break and you're cast to the wolves great system we have in the UK

Thank god the pension system doesn't work like that (yet).

[JimOttley]

thanks Rosie, i think i may need to do some research there,it seems a little conficting in itself and not that i dont believe yourself with that info, but i find it hard to digest that a uk born citizen paying national insurance all his lfe, can only live abroad for 3 months then after which loose his/her entitlement,that he/she has worked for and contributed,
i have another question also with regard to health and private fees, Q, if i fell ill and was hospitalised in philpines, if i was unable to finance the bill,either by cash,cheque,insurance,credit card,and a sale of my property,still wouldnt cover the total, bear in mind i will be married to brenda,, if i cant pay does the law make brenda responsible for my outstanding bill, and vise versa ?
for less major health matters brenda has a private insurance,which she tels me allows her spouse to be covered at no extra cost on her policy, also she believes if i couldnt imediatly finance my medical charge that she could guarentour me

I can't advise on the insurance side Stewart but I can tell you that some hospitals will physically detain you until the bill is paid, this is officially illegal but it does happen.

When I was checking my partner out of hospital when our daughter was born, I was a bit short of cash as she gave birth the day I arrived, they wouldn't let us out till I had paid the bill.

The bill was in two parts the hospital fee's could be paid by credit card but one of the consultants demanded her fees be paid in cash, so I had to run round trying to find an ATM that my card would work in, they have ATM's in the hospitals near teh cash desk for exactly this purpose but I had a bit of trouble that day, we got out eventually though.

My son and partner have also been hospitalized a couple of times and on both occasions it was clearly awkward trying to get them back out, plus it's not like here where they want the bed empty as soon as possible, over there they will come up with any excuse to extend your stay and increase your fee

I have also heard of people having problems even getting in to a hospital without being able to show they have the means to pay, but they usually assume a westerner will be able to cover their costs.

[imagine]

Hi Steward,if you are thinking about the climate in the philippines,you may aswel l look at the place in tagaytay or Baguio city,they will have loads of house for rent there and climate is a lot cooler,I think its about time to see your lady and enjoy while you can,if you dont doubt her at all,just rent your house in the uk and leave on its rent money,it wont cost very much there,it will also help you both a lot to get a a visa if you own a property in the uk.I have been there,been in a situation as you and your gf,my husband was a lot older than me and if it is a mistakes being with me he said he will do it again and again and again.Good luck,and dont keep her waiting for much longer...

thanks ampy,brendas place is leyte,if we stay there , we will have no outlay, if on the other hand the climate is uncomfortable for me brenda has suggested that we can find somewhere nice in higher elevation,where she says it will be more comfortable for me, i know that she will look after me and my needs,i like your bit about your husband and if a mistake , thats nice

[imagine]

Thanks Terpe, i find it most unfair, when i know for certain many , shall i say ethnic groups dont seem to these problems, seem to come and go gt treatment just as they like, think il turn muslim a polish my skin with boot polish , ggggrrrrr

[imagine]

when you get married she can always get a 24 hours visa to get to the uk,your our medical treatment will be your reason to get her in the uk,employed or not,but she will not allowed for any public funds,as long as you pay your contribution to the uk,even you are not in the country for 15 yrs,you should still get it,but they rather you are not absent for that long period.I got 24 hrs visa,husband got free NHS treatment,not emloyed ,penny less,absent for 15 yrs and leave abroad,no house in the uk,so you are in better deal...you have a house here in the uk.treatment

thanks again ampy did you mean you got a visa within 24 hours or the visa was only for a period of 24 hours ?

[ampy]

oh thanks ,,,i hope i can be more help,i m sure you will be ok,it is a very nice place and a lot clean air,surely she will look after you,just follow what your heart say, be happy,,,stop worrying and enjoy!

[ampy]

no ,i got the visa after 24 hrs of submitting my application, that is for 6 months multiple entry,they are not allowed to refused it as it is a medical treatment,ofcourse you will need to bring your doctors letter where it will proved you are really ill and nedd treatment asap.

[imagine]

no ,i got the visa after 24 hrs of submitting my application, that is for 6 months multiple entry,they are not allowed to refused it as it is a medical treatment,ofcourse you will need to bring your doctors letter where it will proved you are really ill and nedd treatment asap.

now thats sound more humane , thankyou, may i ask a little more of that, which is,,,, doctors letter ,, a doctor in philipines? then letter submitted to british embasy for visa in philpines ? to enable you to travel to uk at same time?

[imagine]

I can't advise on the insurance side Stewart but I can tell you that some hospitals will physically detain you until the bill is paid, this is officially illegal but it does happen.

When I was checking my partner out of hospital when our daughter was born, I was a bit short of cash as she gave birth the day I arrived, they wouldn't let us out till I had paid the bill.



The bill was in two parts the hospital fee's could be paid by credit card but one of the consultants demanded her fees be paid in cash, so I had to run round trying to find an ATM that my card would work in, they have ATM's in the hospitals near teh cash desk for exactly this purpose but I had a bit of trouble that day, we got out eventually though.

My son and partner have also been hospitalized a couple of times and on both occasions it was clearly awkward trying to get them back out, plus it's not like here where they want the bed empty as soon as possible, over there they will come up with any excuse to extend your stay and increase your fee

I have also heard of people having problems even getting in to a hospital without being able to show they have the means to pay, but they usually assume a westerner will be able to cover their costs.

lol, im laughing but i guess its not realy funny,what they do to detain you, drug you up lol, but seriosly thanks its good to know this before hand, thanks ,,jim

[ampy]

yeas sure, my husband had chemo in the phils, so the doctors advices is to go back to uk to seek more help,she gave us a letter that said he need a medical treatment soon as possible, took it to the embassy and with the application ,got my visa after 2 days,and off to uk same week,just be honest with all the answer, you ll be ok!

[JimOttley]

lol, im laughing but i guess its not realy funny,what they do to detain you, drug you up lol, but seriosly thanks its good to know this before hand, thanks ,,jim

Have you ever been in the Philippines Stewart?

There are armed guards at the door of every reasonable sized office, shopping mall, government building, hospital, at the hospitals you have to produce your permission to leave to the armed guard at the door.

Never tested what would happen if you tried to ignore the guards and don't really want to try

[Tawi2]

if i cant pay

Several years ago the british tabloids carried a story,brit guy went to pinas with wife,hadnt taken out holiday insurance,was hospitalised due to an unfortunate accident,hadnt the cash to cover the bill with him,was "detained" till his family came up with the ££££

[imagine]

thank you ampy, for me it was the chemo that made me very ill, i never felt anything from the cancer, i am lucky my cancer was one of the best to have for treatment success, i had a very bad time but im good now, thanks to all the prayers and love i recieved from friends family brenda and her family,and i had a very good reason to fight and i so want to be with her soon,
knowing what i went through ,i sincerily hope your husbands health is in good recovery, god bless you both

[imagine]

Have you ever been in the Philippines Stewart?

There are armed guards at the door of every reasonable sized office, shopping mall, government building, hospital, at the hospitals you have to produce your permission to leave to the armed guard at the door.

Never tested what would happen if you tried to ignore the guards and don't really want to try

you can guess iv never been , is it a good idea to carry my own toilet roll

[JimOttley]

you can guess iv never been , is it a good idea to carry my own toilet roll

yes!

[imagine]

Several years ago the british tabloids carried a story,brit guy went to pinas with wife,hadnt taken out holiday insurance,was hospitalised due to an unfortunate accident,hadnt the cash to cover the bill with him,was "detained" till his family came up with the ££££

sounds harsh, and is there a charge for each day your detained on top of the bill

[JimOttley]

you can guess iv never been , is it a good idea to carry my own toilet roll

Or if you have just been to a nice restaurant nick some of their spare tissues or serviettes for later, every restaurant has copious amounts of tissues on the table for free, for wiping the rim of your San Mig Beer or wiping the sweat from your brow, yet hardly any provide a decent toilet roll

Seriously if they did it would vanish quicker than you could cross your legs

[JimOttley]

sounds harsh, and is there a charge for each day your detained on top of the bill

Yeah that was my point they will charge you the same rate as they were charging you for the room before you tried to leave all very civilised they might even try to give you some extra treatment as well whether you need it or not

[Arthur Little]

Have you ever been in the Philippines Stewart?

There are armed guards at the door of every reasonable sized office, shopping mall, government building, hospital, at the hospitals you have to produce your permission to leave to the armed guard at the door.

... don't I know it?! Last time I was there, I extended my stay from 3 weeks to 3 months - and ran out of hearing aid batteries. Visits to local pharmacies proved fruitless ... and, in desperation, I ended up going along to Tagum Doctors' Hospital, where - to my utter astonishment - it turned out to be possible to buy GUNS on the ground floor of the building ... but not batteries for hearing aids!!

Happily ... I was eventually able to purchase a supply in a specialist store known as 'Battery Kingdom' located in Davao City. And the staff even presented me with a fancy Chinese wall-calendar - complete with gold-embossed dragon motifs - in appreciation of my custom.

[Arthur Little]

is it a good idea to carry my own toilet roll

Definitely, Stewart ... things like bog roll - that westerners tend to take for granted - aren't a regular commodity in public loos over there; I kid you NOT!

[Terpe]

......to my utter astonishment - it turned out to be possible to buy GUNS on the ground floor of the building ... but not batteries for hearing aids!!.....

Only in da Philippines

Nice story Arthur.

[Terpe]

sounds harsh, and is there a charge for each day your detained on top of the bill

Stewart, think positive. Go. Enjoy. Be happy.

[imagine]

Definitely, Stewart ... things like bog roll - that westerners tend to take for granted - aren't a regular commodity in public loos over there; I kid you NOT!

if i take my own loo roll maybe i can trade them for treatment

[Arthur Little]

Never tested what would happen if you tried to ignore the guards and don't really want to try

Security guards in the Phils tend to be puny wee "craturs" ... maybe that explains why they're armed! Yet, usually they are the only guys you'll see wearing neckties ...

[Arthur Little]

Yet, usually they are the only guys you'll see wearing neckties ..

... albeit presumably of the clip-on kind ... for safety reasons.