Staysure letter says we have to tell them if we attend GP for a cold!!!

TELLIT01

It's a nice easy way for them to make money too.  I informed them that my wife had been to see the GP about a lump under her arm which turned out just to be a benign cyst.  They charged £10 for adding that to the information they already held.

I did also say to them that my wife and I were both due to attend our annual health checks but were told we didn't have to report that.  Inconsistent or what?

pollypenny

iwb100 said:

Katiehound wrote: »

Erm.. being a cynic I would suggest that if you don't inform them every time you darken the surgery's door they will try to wriggle out of a claim. Insurers are big wriggle worts!!

No chance here to waste a Dr.'s time- we only seem to be able to see the nurse practioner!

Serious comment 'though is that I have just completed the medical screening pages to apply for annual insurance and I have included things like 'sinusitis' but I omitted the campylobacter (from India!)

I have re-insured with Saga, possibly not the cheapest but now you only pay one excess if you have to make a claim under several sections. I see you can have 9 folk on the policy.

If the insurer asks for something and you don't do it then sure you're taking a risk they will refuse your claim.

But an insurer asking for you to report a visit to a doctor with a cold is a nonsense.

Most travel insurers specifically specify the questions you need to inform them of if something changes. And it doesn't include a cold!

 Going to the doctor's with a cold is ridiculous. 

sheramber

 Anything that warrants a GP visit and is put in your medical notes   is relevant.
Any change may require a new premium for an increased risk and an admin charge for the change.

Iwanttobefree

I thought all travel insurances stated you had to inform them if you visit the doctor/hospital after taking out the policy?

eddddy

I suspect they are making a point, because so many people fail to declare GP visits because...

"It was such a minor thing that I didn't think I needed to declare it".

So the insurer wants you to declare every visit, so that they can decide whether it's minor or not. (So they use the example of a minor cold to illustrate the point.)

Also, I guess there's the argument that if you think a problem is serious enough to require a visit to the GP, it's likely that it's a fairly significant problem - even though you insist to the insurer that it's only minor.