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  • FIRST POST
    • paulfoel
    • By paulfoel 21st Apr 17, 10:22 AM
    • 5,286Posts
    • 2,511Thanks
    paulfoel
    Private medical insurance - Pre-existing?
    • #1
    • 21st Apr 17, 10:22 AM
    Private medical insurance - Pre-existing? 21st Apr 17 at 10:22 AM
    Joined a medical insurance scheme a month ago. Not really private health but it pays out a sum for private appointments/dental/optical etc.

    I noticed in the t+c is does not cover pre-existing which is fair enough. How do you define pre-existing though?

    Is it when you, the patient, notice something, or when you are diagnosed by a health professional?

    I've got a GP appointment next week for something that has been niggling for a few months. Obviously, GP is going to ask me when it first started and maybe will make a diagnosis.

    Would this count as pre-existing months ago or when I see the GP?
    Cymru am Byth !!!
Page 1
    • Quentin
    • By Quentin 21st Apr 17, 11:11 AM
    • 31,531 Posts
    • 15,539 Thanks
    Quentin
    • #2
    • 21st Apr 17, 11:11 AM
    • #2
    • 21st Apr 17, 11:11 AM
    Yes - existed from the time it presented.
    • AylesburyDuck
    • By AylesburyDuck 21st Apr 17, 11:31 AM
    • 647 Posts
    • 1,469 Thanks
    AylesburyDuck
    • #3
    • 21st Apr 17, 11:31 AM
    • #3
    • 21st Apr 17, 11:31 AM
    What it means by pre existing is that ,say for instance you have had a heart condition for the last 5 years, its not going to cover that.
    Any NEW conditions you get it will cover, but anything already seen and noted will not be revisited for free.
    ,
    Fully paid up member of the ignore button club.
    If it walks like a Duck, quacks like a Duck, it's a Duck.
    • paulfoel
    • By paulfoel 21st Apr 17, 12:47 PM
    • 5,286 Posts
    • 2,511 Thanks
    paulfoel
    • #4
    • 21st Apr 17, 12:47 PM
    • #4
    • 21st Apr 17, 12:47 PM
    Seen and noted by doc?

    Quentin - what is your take on this?
    Cymru am Byth !!!
    • lisyloo
    • By lisyloo 21st Apr 17, 12:55 PM
    • 21,022 Posts
    • 10,029 Thanks
    lisyloo
    • #5
    • 21st Apr 17, 12:55 PM
    • #5
    • 21st Apr 17, 12:55 PM
    Quentin has said from the time the condition presented, so that's when it started not when you get a diagnosis.
    • Quentin
    • By Quentin 21st Apr 17, 3:12 PM
    • 31,531 Posts
    • 15,539 Thanks
    Quentin
    • #6
    • 21st Apr 17, 3:12 PM
    • #6
    • 21st Apr 17, 3:12 PM
    What she said!!
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