TRAVELLERS' CHEQUES & CREDIT CARDS It's easiest and safest to carry money as travellers' cheques, available for a small commission (usually one percent of the amount ordered) from EXCHANGING MONEY Ю Exchanging money is easy but usually expensive. Banks have standard exchange rates, but commissions can vary enormously and it's always worth shopping around. Some places charge per transaction, others per cheque, so it's common sense to carry large denomination cheques, or to try to change several people's money at once. Banking hours vary from country to country check each country under "Costs, Money and Banks". Outside those times, and especially in the more remote areas, you'll often find that hostels, hotels, campsites, tourist offices, airports, ferry terminals and ferries will also change money though usually at worse rates than the banks. ттт1Ш\от:щтш trowEs Post office opening hours and general postal and telephone information Is given under each individual country's section on "Communications". You can have letters sent poste restante (general delivery) to any post office in Scandinavia by addressing them "Poste flestante' followed by the name of the town and country. When picking mail up you'll need to take your passport, and make sure they check under middle names and initials, as letters often get misfiled. Phone boxes are plentiful and almost invariably work; English instructions are normally posted up inside. To reverse the charges, phone the operator, who will speak English, and ask to make a collect call. To make a direct call to Britain or North America, dial the international access and country code, wait for the tone, then dial the area code, omitting the first 0 if there is one, and subscriber number. For further phone information, see each individual country's section on "Communications". MONEY. COMMUNICATIONS AND HEALTH\3 INTERNATIONAL DIALLING CODES From Denmark to: Britain «00944 USA & Canada «0091 Australia «00961 New Zealand «00964 Ireland «009353 From Norway to: Britain «09544 USA & Canada «0951 Australia «09581 New Zealand «09564 Ireland «095353 From Sweden to: Britain «00944 USA&Canada«0091 Australia «00961 New Zealand «00964 Ireland «009353 From Finland to: Britain «99044 USA & Canada «9901 Australia «99061 New Zealand «99064 Ireland «990353 HimTHANP INSURANCE Health care in Scandinavia is excellent and widely available. Language is rarely a problem and the tourist board will be able to recommend local doctors and hospitals. EC nationals can take advantage of Denmark's health services under the same terms as residents of the country. For this you'll need form El 11, which you can get over the counter at the post office or by applying on form SA30 by post, one month in advance, to any DSS office in Britain. Sweden, Norway and Finland have reciprocal health agreements with Britain, which are detailed below.