Re. holiday medical insurance/Insure & Go's refusal to define 'Treatment'

katejo

I have just tried to take out a policy with the above. I have used them before without any problem but this time they have failed me dismally.

They ask clients to declare any condition for which they have had a hospital referral in the past couple of years. Fine and no problem. However then comes the question "Have you had any treatment for the condition" I contact them to ask for a definition of 'treatment' which they refuse to give. I specify more clearly with "Does this include a routine review of medication?"

They still refuse to help. I provide a definition of 'treatment' provided by another well known insurer to make my point clearer but they refuse to comment on that. Their only advice is to ask my doctor. Pretty useless as the doctor won't have access to their definition either.

Ironically i did have insurance with them earlier this year for a single trip. I then tried to declare the same condition as I prefer to have it on my records (although it has never caused a claim). They refused to note it because I hadn't needed to see a hospital doctor in the past couple of years.

Has anyone else had this problem?

Moto2

You're probably just better leaving it and moving on

You don't want to get to the stage of them refusing to insure you

DomRavioli

Treatment includes any medication you may be taking for said condition.

Wasn't that hard was it.

Alice_Walker

DomRavioli wrote: »

Treatment includes any medication you may be taking for said condition.

Wasn't that hard was it.

I agree, medication is treatment. A review of a condition without medication/ surgery/ physio etc would not be treatment.

Common sense?

katejo

DomRavioli wrote: »

Treatment includes any medication you may be taking for said condition.

Wasn't that hard was it.

The other insurer has told me that a routine review of medication is not defined as treatment.

katejo

Alice_Walker wrote: »

I agree, medication is treatment. A review of a condition without medication/ surgery/ physio etc would not be treatment.

Common sense?

If it were new medication then yes but not when the doctor is reviewing the dose of long term medication (ie. maintenance).

If insure and go had told me that this counted, I would have accepted it but they refused to define it.

agrinnall

I don't understand your issue. Common sense would say that if you are taking prescribed medication then that is treatment. The review of medication is irrelevant as you already have to answer Yes to the question.

Voyager2002

agrinnall wrote: »

I don't understand your issue. Common sense would say that if you are taking prescribed medication then that is treatment. The review of medication is irrelevant as you already have to answer Yes to the question.

Except that the medication might relate to something different: the condition in question might have meant that changing the regime of medication would have been wise. (Presumably the medication relates to something that has either been declared separately, or is listed in the general policy conditions as not affecting cover.)

DomRavioli

katejo wrote: »

The other insurer has told me that a routine review of medication is not defined as treatment.

You're not grasping the point. TAKING medication is treatment. A review of such things isn't but if you continue to take any prescribed treatment (medication, physio, therapy etc), it is STILL TREATMENT, and this is ongoing.

I don't think you should go on holiday. You can't comprehend basic sentences.

DomRavioli

katejo wrote: »

If it were new medication then yes but not when the doctor is reviewing the dose of long term medication (ie. maintenance).

If insure and go had told me that this counted, I would have accepted it but they refused to define it.

I will again put it simply. The fact that X person is taking medication for Y condition is treatment. Regardless of dose titration. As long as they keep taking it, they are still receiving treatment.

I hope this very simple explaination helps you.

katejo

DomRavioli wrote: »

You're not grasping the point. TAKING medication is treatment. A review of such things isn't but if you continue to take any prescribed treatment (medication, physio, therapy etc), it is STILL TREATMENT, and this is ongoing.

I don't think you should go on holiday. You can't comprehend basic sentences.

There is no need to be so disagreeable and rude. My query with the insurer was perfectly reasonable given that another insurer had made a clear distinction between monitoring medication and 'treatment'. I received a further email from them today to confirm this. The condition which I asked about is hereditary. I have always needed to take the medication and have it monitored but no other treatment is required.
It is crazy that someone who doesn't bother to have their medication reviewed doesn't need to declare the condition because they have had no hospital appointments in the past 2 years while the person who does have the review might get charged extra for doing so.