Travel insurance and not declaring pre existing conditions

user1977

cherry76 said:

Without your permission they cannot access your medical records.

But in practice you may need to give them that permission to have a claim accepted.

sheramber

cherry76 said:

Thanks, will declare the pre-existing conditions and opt for them not to be covered rather than not declaring them at all. Without your permission they cannot access your medical records.

You may find it is not just pre exisitng conditions that are not covered by any medical condition will be excluded with accident cover only.

A friend's husband took ill in France and had an operation to remove his gall bladder. Something that was totally unexpected.

MouldyOldDough

ChainsawCharlie said:

They have full access to your medical records.
Underwriters are trained worms who exist with the sole intention of getting out of paying.
If you don't declare, they will have you for breakfast unfortunately.
They will even have records of any previous disclosures to other insurers also.

What really annoys me with insurers these days is, at one time back in the day, they would insure you for pre existing conditions, if you had proven there was no reoccurrence within 4 or 5 years, but these days it appears pre existing lives with you forever.

No they don't

BMA rules clearly state this at :

https://www.bma.org.uk/advice-and-support/ethics/confidentiality-and-health-records/requests-for-medical-information-from-insurers

Admiral_Barbarossa

I have an ICD and declare this, its costs are added to my policy!