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  • FIRST POST
    • Chris_Belfast
    • By Chris_Belfast 12th Feb 18, 10:33 PM
    • 1Posts
    • 0Thanks
    Chris_Belfast
    Pre Existing over 5 years ago
    • #1
    • 12th Feb 18, 10:33 PM
    Pre Existing over 5 years ago 12th Feb 18 at 10:33 PM
    Hi everyone,
    I was diagnosed with Bronchiectasis in 2012 after a CT scan. (A widening of bronchial tubes, no cure and can be progressive and get worse but hopefully not)

    It was detected by scan that was for something else, I was sent for physio to learn how to clear lungs if I need to, and that was that.

    I also have Asthma, which is well controlled and I donít have many problems with it, I declared Asthma on my quotes no problem.

    What about the Bronchiectasis though, the question asks for pre existing conditions from last 5years, I havenít had treatment for it in 5 years, but itís a condition I have been informed of, so donít want to risk invalidating insurance, but the questions donít really let me inform of it due to the timescale.

    Anyone know what I should do?
Page 1
    • rs65
    • By rs65 13th Feb 18, 8:36 AM
    • 5,327 Posts
    • 2,531 Thanks
    rs65
    • #2
    • 13th Feb 18, 8:36 AM
    • #2
    • 13th Feb 18, 8:36 AM
    Anyone know what I should do?
    Originally posted by Chris_Belfast
    You should answer the question asked.

    You have a condition - it probably asks for conditions you currently have.
    • dunstonh
    • By dunstonh 13th Feb 18, 12:35 PM
    • 91,117 Posts
    • 58,130 Thanks
    dunstonh
    • #3
    • 13th Feb 18, 12:35 PM
    • #3
    • 13th Feb 18, 12:35 PM
    You dont say what insurance it is referring to.

    Normally, the questionnaires on health related cases deal with anything in the last 5 years but have supplementary questions that ask about more severe illnesses that would have been further back than 5 years. However, it does vary with provider and insurance type.

    As mentioned above, you answer the question as it is asked.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. Different people have different needs and what is right for one person may not be for another. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
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