If this is your first visit, be sure to check out the FAQ by clicking the link above. You may have to register before you can post: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. |
|
|
Thread Tools | Display Modes |
#21
|
|||
|
|||
In message , at 15:47:18 on
Sat, 2 Oct 2004, Lansbury remarked: And the Telegraph also has elements of both: and it also says her insurance was invalidated because she had been drinking. What it says is: "She was also told insurance firms would not pay because she had been drinking before the fall." I quote from my copy of The Telegraph, (2nd of 4 paragraphs) "Sarah Webster 18 of Cricklade, Wilts, fractured both thighs, her wrists and skull when she fell from her hotel balcony but invalidated her insurance because she had been drinking" Ah, more detail in the printed one than online. Nevertheless, just because it's printed in the paper doesn't make it true. Just like it's no longer always true 'if the BBC said it': "She had no insurance cover ... Medics also informed her that even if she had taken out additional cover, insurance firms would not have paid up because she had been drinking before her fall." Nevertheless, the Telegraph's story is becoming the consensus now. -- Roland Perry |
#22
|
|||
|
|||
In message
, at 21:45:02 on Sat, 2 Oct 2004, Hilary remarked: The Post Office one (which is topical) says: "You must be able to make the following declaration for yourself, anyone travelling with you, a close relative or business associate who the trip will depend on" [otherwise we won't] "cover any claim arising from that condition unless we have agreed in writing to cover it". The last part is the important bit. If you had skin cancer 10 yrs ago and no recurrence they will probably still insure you. Equally, if it's recent, they may offer you the option of either paying an additional premium or excluding the pre-existing condition from cover. When we've called for customers before, as long as they were stable, their condition hadn't changed in the last 5 yrs and their medication hadn't changed in 2 yrs, they were usually covered. Sometimes (depending on the condition) there wasn't anything extra to pay. And other policies aren't as flexible. Such is the marketplace. It's also a bit intrusive for you to have to know relatives' and colleagues' medical conditions (if you want to benefit from the cancellation clause should they fall ill or die). But at least they don't ban relatives and colleagues from indulging in extreme sports! -- Roland Perry |
#23
|
|||
|
|||
In message
, at 09:11:45 on Sun, 3 Oct 2004, Hilary remarked: You don't need to ask them for a medical history - the insurance companies say "If you could reasonably have known..." One size doesn't fit all. The Post Office says: "You must be able to make the following declaration for yourself, anyone travelling with you, a close relative or business associate who the trip will depend on." No test of reasonableness. -- Roland Perry |
#24
|
|||
|
|||
You don't need to ask them for a medical history - the insurance companies say "If you could reasonably have known..." So if you *know* that your colleague has been very ill/has a recurring illness then you'd need to declare it. If there's something but they haven't told anyone about it, then there's no reasonable way you could have known. Hilary Interestingly, I have a close relative (covered under the list in my annual multi-trip policy) who has been diagnosed with cancer, AFTER I took out the policy. Since knowing of the diagnosis I have booked travel, Would they cover me if I needed to return ?? |
#25
|
|||
|
|||
In message , at 09:35:30 on Sun, 3 Oct
2004, Miss L. Toe remarked: Interestingly, I have a close relative (covered under the list in my annual multi-trip policy) who has been diagnosed with cancer, AFTER I took out the policy. Since knowing of the diagnosis I have booked travel, Would they cover me if I needed to return ?? It will probably vary. The Post Office insurance (the one this thread is about!) says: "If there is a change in your health (after you have taken out this insurance or booked, but before you travel) and you can no longer agree with the declaration, you must contact the Post Officeâ„¢ Medical Screening Line immediately on 08701 212 962 quoting Scheme code PTS1. They will tell you if the change in your health will affect your insurance cover." Where "you" is "every insured person". But if they aren't travelling, and it's merely someone whose illness might make you cancel, perhaps they'd come under the: "If, at the time of taking out this insurance (or booking the trip if this was later) your close relative or business associate had a medical condition...that would include this" Although there's no accompanying words about the Medical Screening Line, which tends to suggest they won't negotiate. -- Roland Perry |
#26
|
|||
|
|||
Much simpler to get a policy that will cover preexisting conditions.
Hilary wrote: You don't need to ask them for a medical history - the insurance companies say "If you could reasonably have known..." So if you *know* that your colleague has been very ill/has a recurring illness then you'd need to declare it. If there's something but they haven't told anyone about it, then there's no reasonable way you could have known. Interestingly, I have a close relative (covered under the list in my annual multi-trip policy) who has been diagnosed with cancer, AFTER I took out the policy. Since knowing of the diagnosis I have booked travel, Would they cover me if I needed to return ?? Probably not, as at that point it is a pre-existing condition (i.e. you knew about it when you booked the travel) but it's always worth checking with them just in case. Hilary |
#27
|
|||
|
|||
"Frank F. Matthews" wrote in message ... Much simpler to get a policy that will cover preexisting conditions. Ah but this wasn't a preexisting condition at the time the policy was taken out. (Which was really the point of my question) Well possibly it was and possibly it wasn't, none knows. Hilary wrote: You don't need to ask them for a medical history - the insurance companies say "If you could reasonably have known..." So if you *know* that your colleague has been very ill/has a recurring illness then you'd need to declare it. If there's something but they haven't told anyone about it, then there's no reasonable way you could have known. Interestingly, I have a close relative (covered under the list in my annual multi-trip policy) who has been diagnosed with cancer, AFTER I took out the policy. Since knowing of the diagnosis I have booked travel, Would they cover me if I needed to return ?? Probably not, as at that point it is a pre-existing condition (i.e. you knew about it when you booked the travel) but it's always worth checking with them just in case. Hilary |
#28
|
|||
|
|||
In message , at 18:30:56 on Sun,
3 Oct 2004, Frank F. Matthews remarked: Much simpler to get a policy that will cover preexisting conditions. Available from the Porcine Aviator Insurance Co? -- Roland Perry |
#29
|
|||
|
|||
"Hilary" wrote in message
... so next time i go on a summer ibizia holiday it dont really matter if i have insurance or not....... if it get invalidated then i may as well save my £40 and not buy it. If you get drunk and [snip] Just try not to injure yourself or lose anything while drinking. [snip] Interesting how you English equate "drinking" and "get drunk" |
#30
|
|||
|
|||
Miss L. Toe wrote:
"Frank F. Matthews" wrote in message ... Much simpler to get a policy that will cover preexisting conditions. My point is that if the policy covers preexisting conditions then there is nothing to argue about. Ah but this wasn't a preexisting condition at the time the policy was taken out. (Which was really the point of my question) Well possibly it was and possibly it wasn't, none knows. Hilary wrote: You don't need to ask them for a medical history - the insurance companies say "If you could reasonably have known..." So if you *know* that your colleague has been very ill/has a recurring illness then you'd need to declare it. If there's something but they haven't told anyone about it, then there's no reasonable way you could have known. Interestingly, I have a close relative (covered under the list in my annual multi-trip policy) who has been diagnosed with cancer, AFTER I took out the policy. Since knowing of the diagnosis I have booked travel, Would they cover me if I needed to return ?? Probably not, as at that point it is a pre-existing condition (i.e. you knew about it when you booked the travel) but it's always worth checking with them just in case. Hilary |
Thread Tools | |
Display Modes | |
|
|
Similar Threads | ||||
Thread | Thread Starter | Forum | Replies | Last Post |
Hurricanes and travel insurance | Kurt Ullman | Cruises | 0 | September 6th, 2004 04:29 PM |
Rental cars and insurance - cheaper options than CDW/LDW? | Dominic Kelly | USA & Canada | 8 | February 25th, 2004 04:28 PM |
Car Insurance System in NZ? | RonB | Australia & New Zealand | 1 | January 21st, 2004 11:58 AM |
Expat Health Insurance | Simon | Latin America | 0 | November 24th, 2003 01:03 AM |