Insurer using a non disclosed pre existing condition to reject an unrelated claim

meer53

EssexExile wrote: »

I cancelled my holiday last year because of my gallbladder, the insurance company happily paid out (well, perhaps not happily). In August I had it removed, I'm now getting pain again where my gallbladder used to be! That's going to be an interesting conversation with the insurers next time!

I had mine removed in July and went on holiday 3 weeks later. I even went paragliding ! I have a friend who also had her gall bladder removed, she had pains for about 18 months after hers was removed, they eventually stopped but she warned me i might get them. Best to mention it to them though i suppose.

ACG

Life insurance would pay out in instances like you have suggested, however if the premium would have been higher without the non disclosure then they would reduce the pay out.

However, if you are on holiday and you are incuring thousands of pounds in medical bills, do you really want to be arguing with insurers?

katejo

It wouldn't be enough to declare conditions requiring hospitalisation. If that were the case, I wouldn't have a problem. You usually have to declare anything which has required a hospital referral/outpatient tests. I would never lie to a specific question on the online forms (although the wording of these questions sometimes makes it difficult to give an accurate answer).

katejo

meer53 wrote: »

I had mine removed in July and went on holiday 3 weeks later. I even went paragliding ! I have a friend who also had her gall bladder removed, she had pains for about 18 months after hers was removed, they eventually stopped but she warned me i might get them. Best to mention it to them though i suppose.

I am surprised that you got cover for a holiday 3 weeks after surgery. I thought that most insurers refused cover for at least a few weeks after an operation.

Haylescom

Just becausd you declare conditions, doesn't mean you have to have cover for it. If you're bothered about your premiums going up you can ask for exclusions, but then if it turns out any admissions were related to the condition you wouldn't get a pay out.

HappyMJ

bluenoseam wrote: »

Other conditions, so for example I've had an ingrown toenail are the types of conditions they're not bothered about, but I'd say anything requiring hospitalisation would do. (For these purposes hospitalisation is more than 24hrs spent in hospital)

It's not just hospitalization...it's anything. Absolutely anything on your medical records.

My OH has had severe depression. That doesn't require hospitalization but it greatly increases the premium.

She also has anxiety and has previously had to cut short a trip to to a severe panic attack. She never went to hospital but did go to her GP. If this were to happen again this would lead to a claim so many insurers will not insure her at all. We only buy flexible return tickets so we can return home at any time to mitigate the chance that she might have to return home immediately.