Statins

JeanB_2

I have in the process of buying holiday cover and was asked has my doctor advised taking statins, I said no which is strictly true. My query is with the word advised. I have had a discussion with my doctor regarding statins but he did not ask me to take them and agreed to review it again next year (its 4.9). Could the insurance company nit pick and refuse to honour my insurance should I need to claim.

Quentin

Did you declare your consultation with the doctor?

InsideInsurance

It all would come down to what the GP puts in your notes/ your insurers medical report.

You say he didnt advise to take them, as long as he says the same then your all good. Obv is he says he did advise you to take them but you wanted to defer the decision for a while then you may have problems should it be relevant to a claim

katejo

JeanB wrote: »

I have in the process of buying holiday cover and was asked has my doctor advised taking statins, I said no which is strictly true. My query is with the word advised. I have had a discussion with my doctor regarding statins but he did not ask me to take them and agreed to review it again next year (its 4.9). Could the insurance company nit pick and refuse to honour my insurance should I need to claim.

I can't answer this but would like to see what answers you get. My GP has suggested it several times but hasn't insisted as I have no weight problems, don't smoke and have no family history of strokes etc. Which insurance firm asked this? My GP mentioned that statins were being suggested by NICE for everyone over a certain age but conceded that there may be unwanted side effects.

Murts

To the OP in this case as long as the doctors notes back this up then there is no need to declare it as he has not advised you to take them but stated it will be reviewed in the future where he/she may advise that you do.


To The other poster, it sounds like you have been advised to take them.


As mentioned it is fairly common now and many many people take them. Declaring that you are or have been advised to take statins alone is very unlikely to have a bearing on the premium quoted. As always you should declare accurately. If not sure then contact the company concerned and make a note of their answer along with the date/time etc. Or speak to your IFA/Broker whose job it is to assist with this

margaretclare

The operative word is 'advised'. In other words, 'suggested'.

GPs get paid for recommending/prescribing these things. There is much said for/against, and the individual still has a choice.

I don't take them, and following a recent annual blood test to check my thyroxine levels, other things were checked at the same time. My cholesterol levels are fine, as is my fasting blood glucose level.

I didn't like the side-effects that went along with statins. I did take them for a while, but stopped when I learned more about them.

People get hysterical about their cholesterol levels, as advertised by Flora etc. In fact cholesterol is something that the body needs.

katejo

Murts wrote: »

To the OP in this case as long as the doctors notes back this up then there is no need to declare it as he has not advised you to take them but stated it will be reviewed in the future where he/she may advise that you do.


To The other poster, it sounds like you have been advised to take them.


As mentioned it is fairly common now and many many people take them. Declaring that you are or have been advised to take statins alone is very unlikely to have a bearing on the premium quoted. As always you should declare accurately. If not sure then contact the company concerned and make a note of their answer along with the date/time etc. Or speak to your IFA/Broker whose job it is to assist with this

I don't see how my situation is different to that of the OP. It was suggested to me. My blood glucose was fine and the other blood tests were also ok. I have never been asked this as a specific question.

katejo

margaretclare wrote: »

The operative word is 'advised'. In other words, 'suggested'.

GPs get paid for recommending/prescribing these things. There is much said for/against, and the individual still has a choice.

I don't take them, and following a recent annual blood test to check my thyroxine levels, other things were checked at the same time. My cholesterol levels are fine, as is my fasting blood glucose level.

I didn't like the side-effects that went along with statins. I did take them for a while, but stopped when I learned more about them.

People get hysterical about their cholesterol levels, as advertised by Flora etc. In fact cholesterol is something that the body needs.

I also have under active thyroid. Has your GP said anything about how this affects the cholesterol level ? I am reluctant to take statins because I have heard that the level will shoot up if you try to give them up.