Nationwide flex plus account worldwide travel Insurance

Wanny53

Just received my annual renewal notice for my travel Insurance as part of the Flex Plus account £16 month. Rang UK insurance as per usual to confirm that I was still covered for my asthma and answered a lengthy questionnaire regarding my health. Absolutely nothing has changed, I have never had any medical issues, healthy, walk every day and my asthma has never affected my lifestyle.
This year I am told there has been a change, because I am prescribed TWO inhalers, as I believe is the norm for anyone with asthma, it now counts that I am on TWO prescribed medications and an additional premium of £97 is payable.
Given I have been paying for world wide insurance for the past two years and been unable to go anywhere! I find this ‘new’ change in assessing my asthma as unacceptable. The medical questionnaire clearly showed my asthma does not present any risk to my health and is totally managed. 

What is clear is the insurers are quite simply looking to add costs for no good reason. I will not pay an additional premium and am confident my health will not be impacted by my asthma.
i will also seriously consider whether this package bank account is what I really need.

Spaceace

Wanny53 said:

Just received my annual renewal notice for my travel Insurance as part of the Flex Plus account £16 month.

Has it gone up? I'm sure they're still charging me £13/month.

Zanderman

Spaceace said:

Wanny53 said:

Just received my annual renewal notice for my travel Insurance as part of the Flex Plus account £16 month.

Has it gone up? I'm sure they're still charging me £13/month.

Still £13:

FlexPlus current account

Get worldwide travel, mobile phone and European breakdown cover. Pay just £13 a month for maintaining the account.

eskbanker

Wanny53 said:

I will not pay an additional premium and am confident my health will not be impacted by my asthma.
i will also seriously consider whether this package bank account is what I really need.

Whatever your thoughts about the justification for the additional premium, if you refuse to pay it then you obviously wouldn't be covered for anything that could be related to your asthma, so if you're so confident that this wouldn't apply, why did you ring "UK insurance as per usual to confirm that I was still covered for my asthma and answered a lengthy questionnaire regarding my health"?

If the packaged insurance no longer meets your needs, then buying it elsewhere would indeed seem sensible....

[Deleted User]

You can downgrade to a FlexAccount or FlexDirect if it's not working for you and change back at a later stage.

roddydogs

You don't need to pay the extra if you are not going on holiday, only just before booking if you intend going!

Wanny53

Sorry, yes I am paying £13 a month the £160 was a rounded figure. Main point I was trying to make was that I contacted nationwide insurers as per requested for annual renewal, completed usual medical questionnaire with the advisor, nothing changed in respect of my health. Advisor  then went to discuss with someone and came back with an additional charge of nearly £100.
This in reality means anyone with asthma who is prescribed the norm I.e. one preventer and one reliever inhaler will be subject to this additional charge. Irrespective have how controlled or mild their asthma condition is.
Think Nationwide should be up front and announce this!

Wanny53

Also I am going on holiday - hopefully! So do need travel insurance.
Annual renewal letter from Nationwide states that you should contact insurers annually to update medical questionnaire! So this applies to ALL flex plus customers

kaMelo

Insurance companies change coverage all the time, the bottom line is you pay your money you make your choice, whilst not asthma related I had a similar thing happen to myself a few years ago, I chose not to pay the extra premium. You're still covered for all non asthma related things if you don't pay so if, as you say, you're confident you'll not need it then there is no real problem.