Health insurance question

aliasojo

Is health cover the same as redundancy cover in that it's void if you know or suspect there's a risk of redundancy before you buy it?

So if you bought some sort of health cover one week and went to the doctor the following week with a concern, would it automatically be void if that concern turned out after testing, to be something serious or potentially life threatening?

(Don't all jump up and down with silly assumptions now, it's only a hypothetical after a discussion I had with someone.)

InsideInsurance

The definition of pre-existing condition does vary between insurers but normally it does include anything for which you are suffering symptoms of prior to purchase even if you have never seen a doctor about them.

dunstonh

Is health cover the same as redundancy cover in that it's void if you know or suspect there's a risk of redundancy before you buy it?

No. Permanent health insurance is underwritten at point of sale (unlike PPI). You disclose your medical details and they make an underwriting decision based on what you have told them. They may decide to cover a previous condition straight away or after a period or not at all. You are told the situation regarding any different exclusions and get to decide if you proceed or not on that basis.

So if you bought some sort of health cover one week and went to the doctor the following week with a concern, would it automatically be void if that concern turned out after testing, to be something serious or potentially life threatening?

You need to be aware of it before application. This can include symptoms. So, if you are feeling something is wrong and apply before going to a doctor then they can still exclude you (and typically will).