moratorium health insurance & just prescibed tablets?

bitten_by_cutie

If you have moritorium underwriting on private health insurance for eg. 2 years pre-existing conditions, on your health policy, then if you make a claim and they look at medical records, how is underwriting or claim affected by just taking tablets prescribed.

Without wanting to go in to specifics, I am in the unusal, (or maybe not) position of not having been diagnosed with anything but suffering pains (similar to fibromyalgia etc) Scans, blood tests showed nothing, so classed as idiopathic, several years ago, so GP prescribed pills that had the secondary effect of taking the edge off it (dont work particularly) but still taking them anyway 6 years on and I also get over the counter painkillers, which are not on my records.

Not had 'treatment' as such, just the non-conclusive diagnostic tests initally and then meds long-term.

My question is, would just being prescribed tablets for pain, be classed as a pre-existing condition?

Also, would having the tablets for idiopathic all over body pain, which is not classed as anything (well I dont think they named it) mean whatever disease I want to claim for, be classed as linked - as it 'could' be related, since it is not defined..........

Quentin

It will depend on whether or not the condition you want to claim for is connected or not.

You won't be penalised for making a claim that is rejected because of your preexisting condition.

So you may as well put in a claim and take it from their response

(Your long term treatment would probably be significant regarding the new issue if there's a connection)

bitten_by_cutie

Yes I know this, but it would be subject to interpretion-

With a defined condition, eg. a broken leg, and longterm painkillers for it and then a claim for eg. prostate cancer is not connected (I hope!) but pre-existing thing that has no defination is easy to interprete in insurances favour - and I have no interest in paying hefty premiums if a claim can be loosely linked, as it 'might' be a cause.

I also want to know if tablets are classed as treatment. Clause for pre-existing do not say meds, they say treatment.

Quentin

Yes. Prescription tablets are" treatment."

ThinkingOutLoud_2

bitten_by_cutie wrote: »

Yes I know this, but it would be subject to interpretation..

Agreed - pills = treatment.

This is as you say tricky for you and tricky for the insurer. Call a few PMI insurers before you try to get a quote. Maybe they will propose a way to buy cover for things clearly NOT linked to your condition at a reduced premium.

Focus on PMI companies who profess to do "full medical underwriting" - e.g. take look at https://www.freedomhealthinsurance.co.uk/about-underwriting

This may not meet your aims, but it is a start where at worst you get clarity before, as you say, paying large premiums and being declined at point of claim.