Gymnasielæreren Ulrik Büchert from Odense travelled together with his girlfriend and two children through the UNITED states in a camper this spring. After 27 days on the road, arrived Ulrik Bücherts father also to the UNITED states. He should be on the final 15 days.
But that night, as Ulrik Bücherts father arriving to the UNITED states, given the danger of a blood clot in the heart and must be operated twice in a hospital in Las Vegas. The operations go as planned, and ulrik's father will be discharged after five days in the hospital to be bedridden. Since there are still ten days for the return, assess the american doctor, to ulrik's father able to fly home as planned because he has had time to recover.
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- When my father come out from the hospital, we have ten days left to reach San Francisco, and because of his condition, we must divide the trip up into some small chunks, so we should not run more than two hours of the day in the camper, says Ulrik Büchert to Ekstra Bladet.
It means, among other things, that the family does not come on a scheduled trek in Yosemite national park. Most of the activities are cancelled because of the paternal grandfather does not have the strength for it, and the rest of the family will not leave him alone in the mobile home. The last 15 days of the vacation is not as planned, and the rest of the trip goes to provide care for the paternal grandfather.
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When the family comes home, they seek compensation for ruined holidays by their insurance company Lærerstandens fire insurance. The holiday, as well as the cost of the operation and hospitalization is replaced by his own insurance.
Lærerstandens fire insurance estimates that Ulrik Büchert has the right to 4219,85 crowns, which is equivalent to ten days of compensation, because he has acted as accompanying his father. Five days when the father was hospitalized and five days after discharge. Ulrik Büchert believe that Lærerstandens fire insurance have counted the ticket total price wrong, which gives him a too low compensation. At the same time, he wants a replacement for the whole family for all of the 15 remaining days of the holiday. An amount which, according to Ulrik Büchert runner-up in the 23.940 crowns.
In the insurance policy states that you can have up to three sygeledsagere (children may not act sygeledsagere, ed.), and therefore are wondering the Ulrik Büchert, that his girlfriend can't get something.
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But Ulrik Bücherts father is not a part of the family household in Denmark, and therefore the insurer will not pay compensation to Ulrik Büchert, the boyfriend and the two children for ruined holidays.
It is the family disagree, for, according to Ulrik Büchert was the boyfriend and the children affected in the same degree of the grandfather's blood clot.
- We are off in a camper and travel together. Therefore hung we on each other 24 hours a day. If he had had a with, and we stayed in a hotel, so could the accompanying care for him, but we could get something out of the holiday, but it was not possible in our case, says Ulrik Büchert.
He has complained to the Lærerstandens fire insurance, but they will not reverse their decision.
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Lærerstandens fire insurance wanted to reply to Ekstra questions in writing, which has been a long correspondence with Christophe Kirkegaard, sektionsdirektør for Communications, Marketing & CSR in Lærerstandens fire insurance.
Christophe Kirkegaard says that he can see that the family vacation was not as expected, but that this is not in itself confer a right to compensation.
Here comes an extract from the written interview:
Even if the paternal grandfather is not a part of the household, so is he a part of the trip, which is a special trip, because it takes place in a camper. Therefore, affect the journey much, that the paternal grandfather is ill. You can't say that the paternal grandfather is a part of the household at the holidays?
'It is very widely used, our members choose to run around in a camper just in the UNITED states. Often several generations of a family together. In relation to the coverage of travel insurance should, however, be aware that the insurance covers them, which is a member of one's household at home, and then, not in the household to see themselves as on holiday. Therefore, it is also good that the father and Ulrik had drawn each of their insurance, since they do not have the same registered address in denmark', writes Christophe Kirkegaard.
In the has in a correspondence with Ulrik Büchert written that it is a prerequisite that all will be approved as sygeledsagere in order to get compensation, when the sick person is not a member of the household. But why approve Of, not all of them as sygeledsagere? After all, they have all looked after the father, when they lived together in the caravan.
'In relation to the travel insurance covers it, you call sygeledsagelse, where a person providing the assistance of a medical nature to a sick person. He has us informed that it was he, who stood for this sygeledsagelse'.
If the boyfriend also had been accompanying, had so covered the days for her too?
'Yes, if there had been a medical indication for more than one accompanying. It will say a medical need, that more people have filled a need for the assistance of a medical nature. And if both He and his wife had worked as sygeledsagere, then there would have been coverage for ruined holidays for both'.
'It is important to remember, that if you believe, you can be considered as accompanying, you must have a dialogue with its insurer about it, because the conditions are the sick or the injured insurance company or business partner, for example, Falck, who must assess it. But, the conditions are met, it is just one of the benefits one has by a travel insurance policy', says Christophe Kirkegaard .
Ulrik reports that all look the father in the mobile home. He also makes it clear in the correspondence with you. Why approve Of, not her boyfriend as accompanying?
'Accompanying is accompanying to and from the hospital. It is important to get it approved from the start', says Christophe Kirkegaard.