Pre existing med conditions

unsure

Incapuppy,
The most it's likely to require is iburprofen (which I'd bring with me) and an icepack. I can't see those coming off (or being worth) an insurance claim. Like all insurance it's a question of realistically balancing the risk against the potential cost. With pre-exisitng medical conditions at least you generally know what to expect, what treatment might be needed and what needs covering. I always make sure that I have adequate cover for repatriation in case of a real emergency, but in the case of my knee, ice, ibuprofen and, at a push, a stick, will be far more use to me than cover that almsot certainly can't help!

Incapuppy

unsure wrote: »

Incapuppy,
The most it's likely to require is iburprofen (which I'd bring with me) and an icepack. I can't see those coming off (or being worth) an insurance claim. Like all insurance it's a question of realistically balancing the risk against the potential cost. With pre-exisitng medical conditions at least you generally know what to expect, what treatment might be needed and what needs covering. I always make sure that I have adequate cover for repatriation in case of a real emergency, but in the case of my knee, ice, ibuprofen and, at a push, a stick, will be far more use to me than cover that almsot certainly can't help!

Then we shall agree to disagree in principle.

Insurance is for the unexpected and neither an individual, their GP or hospital consultant can be sure how or when a medical condition could worsen or develop further complications.

I would urge everyone to declare PEMCs no matter how trivial they personally consider them to be - especially since that in the majority of cases 'trivial' conditions will carry very little or no extra loading in premium.

BusyDee

Thanks everyone, I really appreciate your input.

BD

HoofeHearted

Also, if you declared but did not take out cover for a PEMC, (for example a dodgy knee joint caused by some medical condition), what would happen if you tripped over, fell and broke your leg. A £ to a P they would say it was due to your dodgy knee joint - no payout!!!