TIF policies are travel policies as distinct from private health-care policies, so they cover the cost of emergency care and not anything which can reasonably wait until you return home
Emergency medical conditions may affect any system of your body, in countries with public health-care systems, the only hospitals capable of providing care for any condition 24 hours a day every day of the year, are public hospitals. This is as true around the world as it is back home in the UK
Providing facilities for all services is costly. Private hospitals need to be both competitive and profitable and so cannot generally invest in the staff and infrastructure generally available in the public sector.
Secondly public hospitals are regulated by the state. In a public hospital it is virtually impossible for a doctor to be working in a field for which he is not qualified. Unfortunately, there are many doctors in the private sector who are not as qualified as they claim; this happens in the Mediterranean holiday resorts as well as further afield.
Public hospitals are inspected regularly with regard to their standards of medical care, hygiene, fire hazards, etc., whereas private hospitals may only be inspected in response to complaints.
Thirdly private hospitals the world over are incentivised to over-diagnose, over-admit, over-investigate, over-treat, and overcharge. This is dangerous for our clients. The Medical Director of BUPA made this point publicly in November 2012 when he said that BUPA estimate that 70% of investigations and treatments carried out under BUPA cover is either unnecessary or wrongful.
The only exceptions to the generalisations above are countries without public health-care services or countries where public and private health is funded and paid for the same way.