We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Existing medical conditions

Options
Hi I want to get my travel insurance. Two of us have existing asthma conditions but only mild and one had migraines but not had them for a year or so. I also have one who has had breast surgery - a stretcher was put in ready for an implant but had to have it taken out two weeks later due to a problem. She now has a scar which hasn't quite sealed although the surgeon is quite happy and has put her back on the waiting list. So one of the questions is are you on a waiting list for treatment. Is this classed as medical or because it is cosmetic do I need to mention it.

Help please

Comments

  • It needs to be mentioned because it's part of a course of treatment that has already commenced - if it was just that it was breast implants for cosmetic reasons and you'd got a date for surgery after the holiday then you wouldn't need to mention that. But as the process has already started albeit is on hold then it needs to be mentioned. There are plenty of companies who don't charge extra for conditions such as asthma and migraines that haven't required hospital treatment or ongoing specialist followups. It may not have an impact on the premium, but will ensure everyone is covered correctly.
    "I cannot make my days longer so I strive to make them better." Paul Theroux
  • badger09
    badger09 Posts: 11,568 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Agree, you must mention any & all pre existing conditions or you risk your policy being invalid.

    Most companies use a medical screening questionnaire. You could try completing one without mentioning any issues and then do it again, but mentioning them all. You'll probably be pleasantly surprised as many conditions do not attract any additional premium.
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 350.7K Banking & Borrowing
  • 253K Reduce Debt & Boost Income
  • 453.4K Spending & Discounts
  • 243.7K Work, Benefits & Business
  • 598.5K Mortgages, Homes & Bills
  • 176.8K Life & Family
  • 256.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.