How to pay for a broken leg

Search
Go

Discussion Topic

Return to Forum List
Post a Reply
Messages 41 - 60 of total 71 in this topic << First  |  < Previous  |  Show All  |  Next >  |  Last >>
JimT

climber
Munich
Mar 7, 2018 - 11:57pm PT
I run a business in Germany and get payment from all over the world so....
Some foreign banks still think the world uses the SWIFT system to identify banks (obviously yours does) but on the invoice it is probably called a BIC
(Bank Identity Code). The two are the same thing so on my invoices I write BIC(SWIFT) PBNKDEFF and youīll probably find itīs just BIC on theirīs. The account should be a long IBAN number (mine is DE86 7001 0080 0902 5818 xx). Youīll normally also need the name of the bank and maybe the adress if your bank isnīt used to international transfers.
The alternative is naturally to just change your dollars into €100 note and post it but I guess thatīs a bit simplistic!!!

And yes, Italy has universal health care like most of Europe but donīt be suprised if there is a certain element of do-it-yourself, Iīve been stitched back together for free but the tetanus injection I had to buy and do myself.
justthemaid

climber
Jim Henson's Basement
Mar 8, 2018 - 05:48am PT
Can you imagine this going the other way? Euro visiting the US trips and breaks a ...toe. They go to Emergency - who wrap a little tape on it and call it bueno. Months later after they get home they get a bill for $38,000.00.

moosedrool

climber
Andrzej Citkowicz far away from Poland
Mar 8, 2018 - 07:05am PT
How to pay for a broken leg?

Calling Reilly! His uncle Vinnie does it for free.

Hehehe

Moose
Hoser

climber
Vancouver,Rome
Mar 8, 2018 - 07:20am PT
You can make a bonifico at your bank in euros for a fee, and then there will be a fee for the Italian bank as well - so its twice. So if you pay the 50 and only send 100 euros, they will only get 70 euros...so you need to make it for a bit more.

Nothing is easy or straight forward here.

You need

SWIFT CODE
Bank Code
IBAN
Bank Account Number

Emergency care here is free so I am not sure where the charge is coming from. But good on you for paying.

IF you have a website post it, I dont mind making the call for you if you like.
Hoser

climber
Vancouver,Rome
Mar 8, 2018 - 07:23am PT
I run a business in Germany and get payment from all over the world so....
Some foreign banks still think the world uses the SWIFT system to identify banks (obviously yours does) but on the invoice it is probably called a BIC
(Bank Identity Code). The two are the same thing so on my invoices I write BIC(SWIFT) PBNKDEFF and youīll probably find itīs just BIC on theirīs. The account should be a long IBAN number (mine is DE86 7001 0080 0902 5818 xx). Youīll normally also need the name of the bank and maybe the adress if your bank isnīt used to international transfers.
The alternative is naturally to just change your dollars into €100 note and post it but I guess thatīs a bit simplistic!!!

And yes, Italy has universal health care like most of Europe but donīt be suprised if there is a certain element of do-it-yourself, Iīve been stitched back together for free but the tetanus injection I had to buy and do myself.

My Canadian account uses SWIFT.
I do not have BIC on my Italian account.
You do need the name and the address

In addition to universal health care, all emergency care is free for all, but not outpatient costs - however the costs are significantly less than Canada and US.
BJ

climber
Mar 8, 2018 - 07:59am PT
Can you imagine this going the other way? Euro visiting the US trips and breaks a ...toe. They go to Emergency - who wrap a little tape on it and call it bueno. Months later after they get home they get a bill for $38,000.00.


Balance of trade pay back
10b4me

Social climber
Janie's
Mar 8, 2018 - 08:09am PT
In Nov I had a LifeFlight from Lone Pine to Loma Linda. About a one hour flight in a Cessna with pilot and one paramedic. Bill was $67k.

ridiculous
del cross

climber
Topic Author's Reply - Mar 8, 2018 - 08:27am PT
I wondered if maybe her credit union got it wrong with respect to the numbers. It is indeed a BIC number. I was planning to ask my bank about it. It looks like this (not the actual number):

BIC UNCRITMID36 IBAN IT 12 W 02004 11630 000060010371

Interesting that that I might have to pad the amount (by how much?) in order to pay in full. Are you sure about that?


The alternative is naturally to just change your dollars into €100 note and post it but I guess thatīs a bit simplistic!!!

My friend has Euros from business traveling and was getting ready to send a couple €50 bills. I told her it might not be a great idea. But maybe I'm wrong and it's actually the best solution.
beaner

Social climber
Maine
Mar 8, 2018 - 09:12am PT
Can you imagine this going the other way? Euro visiting the US trips and breaks a ...toe. They go to Emergency - who wrap a little tape on it and call it bueno. Months later after they get home they get a bill for $38,000.00.

I'm on a volunteer SAR team. We had a patient from Quebec with an open leg fracture and other trauma resulting from a pretty significant fall. He left with a >$80K hospital bill (LifeFlight ride, some surgeries, 3 days in the hospital) before he could return to Quebec for the rest of his treatment.

He had no insurance for the US healthcare system.
JLP

Social climber
The internet
Mar 8, 2018 - 09:24am PT
This is EZ - call the clinic with your credit card in hand. Chances are nearly singular someone in health care there speaks English. Done.

Next option is to find an e-mail to the clinic and communicate that way.

In either case, Visa/Mastercard takes care of all the transfer details, happens everywhere a billion times a day.

Your other option is to ignore the letter. They have no way to collect. Bad karma, but an option. I do this with foreign traffic tickets, haven't been to a hospital.

EDIT - FWIW - I just got a bill from an anesthesiologist for $195k - works out to about $100k / hour. It's the most impressive bill to my insurance company yet. Between the docs, hospitals and insurance companies - they're all greedy fuks and I dislike all of them equally.

Barbarian

climber
Mar 8, 2018 - 10:42am PT
Our healthcare system sucks.

We don't have a healthcare system. We have an insurance industry pretending to be a healthcare system.
JimT

climber
Munich
Mar 8, 2018 - 10:51am PT
The SWIFT Code or SWIFT-BIC or BIC are all the same thing.
SWIFT stands for Society for Worldwide Interbank Financial Telecommunication and they issue a Bank Identifier Code (BIC).
Depending on the bank or country itīs got various names but itīs always the same thing.
The IBAN number actually identifies the bank as well with the first two letters identifying the country, the next two digits are the proof total, the next group bank and branch and the rest the account number. It was a system promoted by the USA but never put in use there, itīs standard in Europe and a lot of the world.
Out-of-date banking systems always ask for the physical adress of the bank (my brothers in England does) but this is a problem in the modern age, my bank doesnīt have a physical adress for a start!

You tell your bank to transfer €100 to the account, that way the charges fall your end and they will recieve the correct amount.

The idea above that you call an Italian hospital with your credit card ready is laughable!

If the bill is unpaid standard practice is to sell the debt to a collection agency in your own country, an expensive procedure. Parking tickets are the same (I know this!). Or on entry to Italy anytime in the future you will be pulled over and made to pay (plus costs).
del cross

climber
Topic Author's Reply - Mar 8, 2018 - 11:32am PT
It sure looks like all of the numbers are there. I tried to use the Western Union interface mentioned by kunlan_shan and it seemed happy with the bank codes I typed in. But Western Union is oriented for delivery to an individual's account. It wants a first and last name for the receiver. I entered the hospital's name as if it were a person but there was no way to indicate what the transfer was for. How would they know I was paying a specific bill and not just donating?

When you wire money at a bank can you include a message with pertinent details?
JLP

Social climber
The internet
Mar 8, 2018 - 11:40am PT
The idea above that you call an Italian hospital with your credit card ready is laughable!

Italy does not live in the 70's, nor do we.

Here's a hospital near the Dolomites with online bill pay.

http://www.aulss8.veneto.it/nodo.php/2235

I'd call, speak to a human being. It's nearly certain someone near the front desk knows English.
zBrown

Ice climber
Mar 8, 2018 - 07:31pm PT
Suppose you just sit tight like I suggested

Let them come after the money

They'll accept it then

I bet
mcreel

climber
Barcelona
Mar 8, 2018 - 11:03pm PT
We don't have a healthcare system. We have an insurance industry pretending to be a healthcare system.

No, it's a mafia pretending to be an insurance industry pretending to be a healthcare system.

My son cut his thumb at City of Rocks, preparing a stick to roast a weenie, and we went to the hospital in Burley. The bill was $600 or so, for several stitches. Did see several owls on the drive, though.

By the way, we got reimbursed for the expenses by the Spanish socialist health care system.
neebee

Social climber
calif/texas
Mar 9, 2018 - 12:57am PT
hey there say, barbarian... nice to see you...
happy good eve...

Flip Flop

climber
Earth Planet, Universe
Mar 9, 2018 - 01:00am PT
$250 for one leg
$400 and I do both for you
Jan

Mountain climber
Colorado & Nepal
Mar 9, 2018 - 06:12am PT
I use Western Union to send money to Nepal. Surely it would work in Italy too?

You could calculate the exchange rate between dollars and euros, add a percentage and send a cashier's check with a note saying you'll make up the difference when they tell you what it was.

Banks, and train stations can exchange money there.

monolith

climber
state of being
Mar 9, 2018 - 07:09am PT
When you wire money at a bank can you include a message with pertinent details?

Yes. No need to go to a bank as well, most allow it online.
Messages 41 - 60 of total 71 in this topic << First  |  < Previous  |  Show All  |  Next >  |  Last >>
Return to Forum List
Post a Reply
 
Our Guidebooks
Check 'em out!
SuperTopo Guidebooks


Try a free sample topo!

 
SuperTopo on the Web

Recent Route Beta
Recent Gear Reviews