Holiday Insurance

chrisjen24 · 11 September 2017 at 2:17PM

I have just received a bog standard letter from my Doctors surgery, saying they use a tool, which based on information medical records, estimates my Q risk. Risk score of having a stroke or heart attack in the next ten years. Range of 0 - 10 acceptable, 10 or over means an increased risk. Where the tool estimates a higher than average risk score, patient are offered lifestyle advice and if necessary Statin tablets to reduce the risk of having a heart attack or stroke. Mine has been estimated between 10 - 15. Therefore we would like to offer you the chance to discuss the options with a nurse regards lifestyle change or Statins. My question to you, if I take up the offer to discuss, and I go for holiday insurance I would have to say I have discussed Statins with the Doctors as it will be on my record, therefore my insurance could go up. Any comments would be grateful as I feel it is very ambiguous for the consumer. They are penalised either way. Take the chance of heart attack, stroke or pay extra insurance.
chrisjen24

Ganga · 11 September 2017 at 5:26PM

I believe taking statins will not affect the cost of your holiday insurance.

sheramber · 11 September 2017 at 5:57PM

Our holiday insurance asked if we hd been advised we had high cholesterol,
A answer of yes then got the question Do you take statins.

rs65 · 11 September 2017 at 6:54PM

chrisjen24 wrote: »

Take the chance of heart attack, stroke or pay extra insurance.

Do you really need help with that choice?

Manxman_in_exile · 12 September 2017 at 12:37AM

sheramber wrote: »

Our holiday insurance asked if we hd been advised we had high cholesterol,
A answer of yes then got the question Do you take statins.

Our insurer asked a very similar question. (Have you been advised to take statins rather than do you). I checked with my GP what the answer was (I thought I had merely been offered statins) but he said the correct answer was that I'd been advised to take statins but had declined to do so. (By the way, this was after we had discussed the increase in absolute risk as opposed to relative risk, and we both thought the increase in absolute risk was small).

I declared this to our insurer. It resulted in a tiny increase in premium which they did not charge for.

If your insurer asks you a question about anything that is evidenced in your medical records you need to answer truthfully, otherwise there's no point in having the insurance.

Manxman_in_exile · 12 September 2017 at 12:44AM

Ganga wrote: »

I believe taking statins will not affect the cost of your holiday insurance.

This might be right. A person taking statins may(*) be a better risk than someone (like me) not taking them after they've been offered. I presume if I now started taking statins my premium would come down.

(*) I declined them because I think the evidence of their efficacy is unclear. Although NICE and insurers presumably think otherwise.

sheramber · 12 September 2017 at 1:39PM

My husband was told his level was slightly high and statins offered. He declined them.

Next year his readings were the same but he was a year older and that level- the same as the year before- was no longer a problem due to his increased age.

I doubt if they would stopped the stains that year if he had started taking them.

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