Tuesday, 4 June 2013

Warning - the importance of declaring pre existing medical conditions when buying travel insurance.

Holiday insurance is an interesting subject and as we get older we find we worry more whereas we know many younger travellers who just wing it figuring the insurance companies always find ways not to pay anyway.  Just maybe they are right.

Talking to a Doctor recently he mentioned how companies are trying to wriggle out of making payments and this is the gist of the conversation.

Doctor arrived in work on Friday to find a letter from a travel insurance company wanting a full medical history on one of his patients who had been rushed to hospital abroad after a heart attack.

Although the Doctor was concerned for his patient it would be Monday before he had time to complete the large questionnaire so already his patient was going to be in hospital abroad for at least 3 nights over the weekend clocking up a bill.

The patient had never had any heart or heart related problems in his life but the insurers also  asked numerous questions about non related illnesses.  One question was about whether the patient had ever had an ear infection.  There is no connection between ear infections and heart attacks however the patient had not declared an ear infection on his pre existing medical conditions and of he had this would have meant a very tiny increase in premium.

Now this is exactly what the insurance company were hoping to find.  As the correct premium had not been paid the patient was under insured giving the company a valid reason for not paying out on the heart problem or at best only paying out a percentage of the bill.

Please read this as a warning so that you declare absolutely every little thing you can as a pre-existing condition.  In reality most don't affect the premium at all but could affect any payout whatever you were claiming for.

Guessing it will only be a matter of time before you loose your luggage and miss out on a payout because you live in an area at home where you were vulnerable to burglary or maybe you miss a flight but can't claim because the insurance company learn you once missed a bus as a child!   Take heed.  

14 comments:

Anonymous said...

Hiya! I simply want to give a huge thumbs up for the nice information
you could have here on this post. I might be coming again to your blog for more soon.


My blog - SEO

Lesley said...

We had a situation whilst cruising when our travel insurance tried to get out of paying up by saying we had travelled more than 150 miles off shore having left Grenada and sailed to Antigua when Paul needed urgent surgery and that we were therefore not covered. We had this discussion with each agent, then management. Eventually we were put through to their company lawyer who read the 'off shore limits' and recognised that although we had travelled over 600 miles we were never more than 80 miles from land at any time. Monserrat saved the day and the claim was paid! We were also lucky in that it was on the 83th day of a 90 day policy! I would strongly suggest that any cruisers check the small print to ensure the offshore limits and cruise accordingly making sure you are within landfall in accordance with the policy..

Anonymous said...

Неllo to еvery one, thе cοntents prеsent at thiѕ ωebѕite are reаlly rеmarkable foг people knoωledgе,
well, kеep uρ the goοd work
fеllows.

Alsо viѕit my wеb blοg; Dubai Accommodations - Where to Get the very best Deals

Anonymous said...

Eхcellent article. Keеp posting ѕuch kind of information on your рage.
Im really impгeѕsed by уοur site.

Hi there, Υou hаve done an incгedіble ϳob.
Ι'll certainly digg it and in my opinion suggest to my friends. I'm confiԁent they'll be benefited from this website.

Here is my webpage: Some Special Hotels Around the globe

Anonymous said...

Hi there! I simply want to give an enormous thumbs
up for the good info you will have right here on this post.
I might be coming again to your blog for more soon.


My web page: cherry pitter oxo amazon

Anonymous said...
This comment has been removed by a blog administrator.
Anonymous said...

I have learn some good stuff here. Definitely price bookmarking for revisiting.

I surprise how so much effort you set to
create this type of wonderful informative web site.



Take a look at my webpage; luxe vakantiehuisje frankrijk huren []

Anonymous said...

fantastic post, very informative. I wonder why the other specialists of this
sector don't understand this. You must continue your writing. I'm sure,
you have a huge readers' base already!

Stop by my web blog; description

Anonymous said...

Heу! Ӏ just wantеd to ask іf you еveг have any pгoblems
with hаckеrs? My laѕt blog (ωordρress) was hackеԁ аnԁ I ended
up losing a fеw months of hard work due
tо nο back up. Do you haνe anу ѕοlutions tο
prevent haсkers?

Also visit my site; Traveling Miami - We now have The Best Cheap Hotels

Anonymous said...

ӏ thіnk thіѕ is among thе mοѕt vital infοгmаtiοn for me.
And i'm glad reading your article. But should remark on few general things, The website style is wonderful, the articles is really excellent : D. Good job, cheers

Also visit my blog post; Ideal travel internet site

Anonymous said...

An outstanding shaгe! I've just forwarded this onto a co-worker who was doing a little homework on this. And he actually ordered me breakfast because I discovered it for him... lol. So allow me to reword this.... Thank YOU for the meal!! But yeah, thanks for spending some time to talk about this matter here on your internet site.

my website :: ohms law

Anonymous said...

Thanκs on your mагvelous posting! I really enjoyеd reaԁing
it, you аrе a great authoг. I will mаkе sure to bοοκmark уouг blog anԁ
will еventuallу сome bасk very ѕоon.

ӏ want to еnсouгagе you contіnue yοur grеat job, have
a nice morning!

Feel fгee to νiѕit my homеpagе .
.. ohms laω [http://wiki.Dgcmagazine.Com]

vikesh said...
This comment has been removed by the author.
Seniors Travel Insurance said...

Thanks for sharing this important info.