help . if i dont declare a pre existing condition on insurance

Discodee

hollydays wrote: »

Why bother to buy insurance and lie. Just don't bother buying any . Deliberately leaving out information could invalidate your whole policy

well thats exactly what i am asking.
id bother to buy insurance in case someone gets sick and cant go, in case someone takes ill abroad, in case we lose luggage. I have had a torn cartilage for yrs and yrs and it wouldnt affect me in that i need to claim. Yet they pile up the premiums AND asn i said Id be happy to declare it but decline cover but then id have to decline the clover for my asthma too and i think that is wrong

I was asking did anyone know the exact rules, please see my post above. It is doutbtful the policy would be voided in this circumstance. I have heard it is only if they can prove they would have refused cover if theyd known about that condition.
THAT is what I am asking for clarification on.

Nothing to do with "greed"

To repeat
if i could declare it and decline cover I would, but they dont allow that!

Some people have been helpful and others a bit rude, and not read the question properly

Discodee

jpsartre wrote: »

Why? If you declare everything you won't have a problem. The fact that you don't like the prices you are qouted is neither here nor there and certainly no reason why anything needs looking at.

Another who hasnt read my post!

because, you should be able to declare all conditions then say I will decline cover for this one but have it for that one.
You can't and it is all money making.
read what i put about my daughters depression £78!!! added on!!! If we took it. We declined it.
But i cannot decline the cartilage without declining the asthma, and that is something i HAVE to have just in case.

Clear now?

lol

Discodee

sheramber wrote: »

What if your knee went and you fell down and cracked your skull resulting on a fractured skull or worse requiring a long stay in hospital, enable to fly home?

You may also find you will not get insurance if you are awaiting an MRI as the insurance company do not know what the result will be.

It is better to be honest and avoid problems later on.

the mri is rescanning my knee which was operated on again in march but i fell over in may and it has retorn, so they know what it is lol, but the mri is before i go away anyway

Discodee

hollydays wrote: »

Why bother to buy insurance and lie. Just don't bother buying any . Deliberately leaving out information could invalidate your whole policy

but could it? Thats the question i am asking here
But noone has given me proof
Ive been told they can only do that if they can prove theyd not have sold you insurance if theyd known about that condition and its hardly life threatening, is it?

hollydays

Discodee wrote: »

but could it? Thats the question i am asking here
But noone has given me proof
Ive been told they can only do that if they can prove theyd not have sold you insurance if theyd known about that condition and its hardly life threatening, is it?

The proof will be when the worst happens and you aren't covered.

elsien

How much are you spending on the holiday compared to the extra premium? Most of the loading is likely to be for the asthma which you are going to declare anyway.
I don't see why you'd want to potentially risk your cover for the sake of a few quid.
And yes I have read your post, and I understand what you're asking, but if you're having to cover the more expensive pre-existing conditions anyway then I'd cover the lot. For the little you'd save, what's the point?

peachyprice

Discodee wrote: »

As I see it they can only do that if you didn't declare something THEY WOULD REFUSE TO INSURE YOU FOR. Otherwise youre just not insured for the condition you didnt declare
Thats what I was trying to establish, which is true. No-one would refuse insurance for a cartilage tear people have them and dont even know. As i said i had one for years. i skied for years and years with it!!

Then you would be wrong.

By not declaring conditions doesn't mean you just won't be covered for them, it means they issued you a policy under false pretences. By not declaring conditions they do not have accurate information about your health on which to base their premium. It is basically fraud, tricking them in to giving you a cheaper policy by omitting information, and would void a policy should you attempt to claim for ANYTHING health related.

Pollycat

peachyprice wrote: »

Then you would be wrong.

By not declaring conditions doesn't mean you just won't be covered for them, it means they issued you a policy under false pretences. By not declaring conditions they do not have accurate information about your health on which to base their premium. It is basically fraud, tricking them in to giving you a cheaper policy by omitting information, and would void a policy should you attempt to claim for ANYTHING health related.

Absolutely agree.

And a lot of insurance companies will be looking for a loophole not to pay out if you do have to claim so you would be handing them an excuse on a plate.

sheramber

Not a recommendation. Found on a Google search

https://www.essentialtravel.co.uk/travelinsurance/preexisting-medical-conditions/

Should I declare my medical condition?

It is very important that you declare any medical conditions, either using our online medical screening, or by calling our customer services. Failure to declare any medical conditions may invalidate your entire policy.

However, once you have declared your condition you can choose to exclude it from your policy. This means that should you require any medical treatment related to or for this condition whilst you are away, it won't be covered by your insurance. You will still be covered for medical treatment that is not related to your condition.

jpsartre

Discodee wrote: »

Another who hasnt read my post!

because, you should be able to declare all conditions then say I will decline cover for this one but have it for that one.
You can't and it is all money making.
read what i put about my daughters depression £78!!! added on!!! If we took it. We declined it.
But i cannot decline the cartilage without declining the asthma, and that is something i HAVE to have just in case.

Clear now?

You were perfectly clear before and I understood everything you said. However, there is nothing about it that supports anything needs looking at. An insurance company is a private company and if it won't let you pick and choose which conditions to cover that is entirely their choice. You then have the choice to buy the product or not. Of course, it's money making, insurance companies, like pretty much any other business, exist to make money!