Does a courier need medical repatriation insurance?

You may think as you are fit and healthy that medical repatriation insurance is something you do not need as a courier.

You may think you don’t need it at all if you deliver only inside the UK.

You may have to stop and think again, you could find it’s vital.

Imagine the scenario where unfortunately the courier is involved in an accident. They need to be airlifted to the nearest specialist hospital but the county in question has only one air ambulance and whilst that is out at the scene of another accident, it’s you laying in an ambulance waiting on the decision of the paramedics as to the best course of action.

Sometimes a delay can mean a big difference in your recovery, and thats just in the uk. What happens if you sleep in your van as some couriers do when abroad (to keep their costs down) and you have an attack. It doesn’t have to be fatal to put you out of business, and if you haven’t got medical insurance you may find it’s going to be very difficult to get back to the UK. What happend if you are tragically in an accident and break both your legs? Do you have someone who can come and collect you, no matter what country you are in?

If you are working abroad as a courier consider getting some medical repatriation insurance, if you have medical insurance see if it brings you back to the UK if the worst happens.

Of all the insurances you have, this could be the one you never claim on, but gives your family peace of mind, so it’s worth considering.

Sarah
The Complete Courier guide is an essential guide for self employed couriers looking to start their own courier business.

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