Pre-existing- annual insurance - new incident

I'm sure somebody posted up something in a recent thread about how, when your policy starts, the insurance company is deemed have accepted the risk of incidents happening during the term of insurance and calculated their premium accordingly, so they cannot invalidate your insurance.

You do need to tell them. I'm sure if you read the policy it will tell you that.

My annual policy says

"Changes in health

After you have paid for this policy you must tell us if your health changes."

When you buy a policy the risk covered is against the conditions disclosed at the time. Any new ones have to be disclosed as well.

I rang to declare I'd had a excision biopsy but was told as long as it came back clear they didn't need to know. Tests that come back clear don't usually need declaring because they're not a 'condition', it's only if something shows up that it needs to be declared.

purple_window_shopper wrote: »

Hi
my dad is 81 and travels a lot since my mum died. He has an annual policy with Insure and Go and has health screening. His angina is declared but he has had another attack (he hasn't had one for a long time) and is currently in hospital for the night.
My question is, do we have to inform the insurance company that this has happened? He is due to fly to Tenerife in 3 weeks and we don't want his insurance to be invalid.
Thanks in advance

Yes you do need to tell them of any changes like this. The new attack and stay in hospital count as treatment.