[Typo3-t3board03] Travel Insurance problems, any suggestions?

[SwiftLizard (Chris Wittmann)]

Hey Kasper,

althought you do not knowme  and I was not participating at the Snowboard Trip,
to my mind I should not be that hard for you to prove that this Trip was a private trip.
All the people of the Community who hab been with you in Austria should be able to
prove this for you with a littleletter witch is called in Germany "Eidesstattliche  Versicherung".
To my mind this should be enough if some of the Guys you met give you something like that.

On the other hand could anyone read at Typo3.org that this trip is  just for fun and Community
of Typo3 and not for Business.

The best way to my mind would also be (like Daniel worte) to get your self an danisch Lawyer,
me  I am just law Student in Germany, who is very thnkfull for Typo3 because for me working
as Freelancer it fills my fridge (love eating :-) ).

Perhaps you should ask the people who joined the trip to help you with a statement to prove your 
position
for the ensurance.


solong

chris


Kasper Skårhøj schrieb:
> Hi Folks,
> 
> I'm in trouble with the travel insurance in Denmark. The problem is that
> I got a sheet of paper from the public health insurance in Denmark a few
> hours after being submitted to the hospital. I filled it in, but
> mistakenly crossed a field "Privat / Business" on the sheet. From there
> everything went smooth, they arranged home transportantion and I didn't
> have to pay for anything - just as you would assume it works if they
> accepted the injury-report in full. 
> 
> Now, when I came home I was asked to fill in yet another injury-report
> (basically stating the same) because the one from austria usually was
> delayed (to my great surprise because I couldn't understand how they
> could run the case if they didn't have at least a fax copy from austria
> at the time I was at hospital). Anyway, I filled it in, but crossed the
> field "Private" this time because that was correct.
> 
> It turns out that the difference between "private" and "private /
> business" is if they pay or not. So at this point they want positive
> documentation that this trip really was private because they don't
> accept that I was possibly not so cautious about the details when I was
> laying there with a broken spine!
> 
> So what I did was to explain the case with this letter (translated from
> danish):
> 
> <letter to healthensurance>
> Character of the trip
> I'm working as a freelance computerprogrammer and am in daily contact
> with likeminded people around the earth via Internet. We have a
> tradition to meet yearly at a social event in the Alps to snowboard and
> nerd with out common interest, computerprogramming. The current stay was
> of that type
> 
> What happened:
> I originally crossed the field with combined "private/business" without
> further thought about the technical definition of the term since I was
> with "collegues" in the context. So that was what my impulses told me at
> a time where I was lying in bed with a broken spine and thousand other
> things to think about!
> 
> When I filled in the danish injury-report I had better time to answer
> the question correctly and regarding the question of business activity I
> have concluded that this is NOT the case. I have neither worked nor
> participated in meetings with direct relation to my income as a
> freelancer during the stay. Apart from that food, stay, liftcard, flight
> ticket etc. was paid from my own pockets (not company deducted) plus my
> wife and her friend participated (underlining the private aspect of the
> tour). So the trip should be understood as a "ski-trip with collegues"
> if I had been a regular employee and that can not be categorized  as a
> business trip despite the fact that the relations comes from the
> business context. Therefore the correct field to cross was "Privat" at
> closer thought.
> 
> I'm sorry about the misunderstanding and trouble for you.
> 
> - kasper
> 
> </letter to healthensurance>
> 
> 
> 
> 
> Now the situation is that they want documentation that it really was
> private. 
> - They suggest me that I send them a "mortage-bill" where it is clear
> that I was on holiday at the time. Of course this is impossible since I
> am my own employer / freelancer
> - I can also send the bill from the travel agency - which is not
> possible because I had a free stay!
> - I can also send my plane tickets, but when I told them that my company
> name would be on it since I booked julles as well and forwarded an
> invoice to him that didn't matter - as if it did anyways because my
> company name on the tickets doesn't say ANYTHING about whether it is a
> private expense or not! That solely depends on whether it is deducted in
> the accounting!
> 
> What I can give them is:
> - 1000 photos of people drinking bears, snowboarding, nerding behind
> computers and on some of these I'm on as well. They would be dated
> between 3th and 5th january (but I don't think they accept this)
> - I could offer the letter you see about where people like Rie, Tina,
> Julle etc. signs that they agree with the explanation - however they
> don't take that either I was told.
> 
> 
> So as it is now, they cannot present me any possibly way (fitting my
> circumstance as a freelancer, basically not having "a job") to prove it
> was private and my tiny mistake made in the hospital bed now means I
> might face a claim from them in the order of at least 5000€ but I am
> afraid it will be much more.
> 
> 
> Now, can any of you come up with other possible ways for me to support
> my claim that *I* was on a private journey? 
> 
> 
> 
> - kasper
> 
> PS: Please don't write anything publicly to the list which does NOT
> support my position because should they get a hold of this communication
> they could probably use that against me since until now they have used
> the most irrational details to support their case.
> 
> 
> 
> 
> 
> 
> 
> 
> 
>