anti depressants going on holiday

arthurx1234

Going on holiday to Turkey in May, i have been having a few problems and my doctor has prescribed me a course of anti depressants.
My insurance policy states "i must disclose all material facts" so what should i do if they decline my policy or slap a bigger premium on me?
Any advice please
arthur

Quentin

Just pay up - but I doubt they will add much (if anything) because of antidepressants these days!

SolicitorMidlands

I wouldn't worry about the costs - it will be next to nothing. Just tell them because if you don't, there is no point having the insurance because you have void it already.

arthurx1234

SolicitorMidlands wrote: »

I wouldn't worry about the costs - it will be next to nothing. Just tell them because if you don't, there is no point having the insurance because you have void it already.

Ha Ha phoned them up and they wanted an extra £60-00 well that really did make me feel depressed, so told her that £60.00 was a lot of money and they agreed to issue me with a new policy but any claims relating to illnesses linked to depression would not be covered, that sounded ok----so dont have to fork out any extra dosh
My depression is lifting
arthur

pedro123456

Dont speak to soon Arthur..........if you make a claim the anti depression will be linked by the IC.............bandits.....without masks........

Anyway, have a great holiday.............hope I ant urinated on your chips so to speak.

Pete

dacouch

You may be able to get cover with a different Travel Insurer who will not make a charge or may make a lower charge for the anti depressants. Here is a link to the mind website which has advice on Travel Insurance. You may find some of the links they have on this page will help you get Travel Insurance at a cost you are happy with.

http://www.mind.org.uk/Information/Factsheets/Insurance.htm

With Insurance you have a 14 day cooling off period, so you should be able to cancel the cover you have taken without charge.

SolicitorMidlands

I got stomach problems covered for no extra charge a few years ago. Try elephant insurance.

FH_Brit

Without speaking the obvious Solicitor, insurers weigh the risk of the disclosed condition/illness and the cost of the "worst case senario". Depression can be linked with mental health problems, attempted suicide and other more serious risks therefore they do "bump" the premiums.

Your stomach problem risk may be dehydration/gas/"the squits" not too much of a risk when you compare them.

Not saying OP is suicidal or anything like but the insurers experience shows what may possibly happen and therefore they assess the risk as greater. Not right that someone with a mild depression has to pay the same premium as a seerious case sufferer, but that's insurance for you.

asbokid

Anti-depressants are well known for causing aggressiveness, suicidal ideations, and occasionally outburst of extreme violence in those who take them.

Many of the school shooters in the USA were jacked up on Prozac etc. when they launched their suicidal killing sprees. Insurers are perhaps recognising this risk by loading the premiums for those on these drugs.

dmg24

asbokid wrote: »

Anti-depressants are well known for causing aggressiveness, suicidal ideations, and occasionally outburst of extreme violence in those who take them.

Many of the school shooters in the USA were jacked up on Prozac etc. when they launched their suicidal killing sprees. Insurers are perhaps recognising this risk by loading the premiums for those on these drugs.

I trust you can provide authoritative evidence to back up your spurious statements? :rolleyes: