pre existing conditions medical insurance

justajiffy

Does anyone know if there is a web site or which company is the cheapest when taking out travel insurance covering someone who has a pre-existing medical condition which has to be declared before travelling ? resulting in quite a hike in premiums.

jonesMUFCforever

I think it will depend on the pre condition.
Basically if there is a great probability of you having to claim because of the pre-condition they will load your premium to cover this eventuality. If you suffer a minor non life threatning condition some insurers wil make a note of it and agree to cover you for no increase in premium.
Shop around is my best advice.
Eric

saveapenny

Ring Kevin on 0870 345 2222
They started out covering for HIV but now cover for everything and the price does not alter depending on your condition if they accept you its one price, its about £135 for a couple worldwide
or about £85 for europe
I got my mom cover whos 75 and had heart attack
*forgot to say these are annual prices not single trip*

Chester_Draws

Try Direct Travel Insurance on 01903-812345

Normal 1 week Europe = £20 (for 2 people) (£50 excess)

Advantage premier Plus, where we both declared existing medical conditions, concerning cholesterol, heart, slipped disc etc, price was just £26, with conditions still covered.
Medical conditions are printed on policy.
£35 excess
Medical £10m
etc etc.
Part of AXA

Fatboy_NSS

I used to work on the telesales line for RAC insurance. They weren't the cheapest around, but would cover most existing conditions.

Edit: Your question is which one is cheapest. This can't be answered here I'm afraid but by you calling all the brokers. If there are people on this board working for the insurance companies then it may help posting what the condition is, but otherwise you just have to check every company.

BNU_2

Many insurers will cover you for everything excluding the declared pre-existing condition e.g. if you have been hospitalised for Depression in the past they will cover you for everything but the Depression.

If, as in the above case, it is not important that you are covered for that condition whilst you are away this should not effect your premium.

saveapenny

BNU...Not with the insurance company I posted they cover you even for pre-existing conditions my mom had heart attack and she got full cover and it didnt affect the price.
They have 1 price for everyone you are either accepted or not

BNU_2

saveapenny wrote:

BNU...Not with the insurance company I posted they cover you even for pre-existing conditions my mom had heart attack and she got full cover and it didnt affect the price.
They have 1 price for everyone you are either accepted or not

Well assuming you are accepted that is great news. They must surely have to average out the extra risk across all of their other policyholders though?

Smiley_Mum

Just what I was going to ask. We (myself and my two boys) are going away in the Summer and we all suffer with asthma to varying degrees so this is spot on info for us. Thanks everyone.

jules372

Insured myself and my 10yr old son who has a pre existing rare genetic condition with Direct Line last august. They gave us £62 total for both of us for Worldwide Annual Insurance.
Hope that helps
Jules