Bupa - pre-existing conditions

Jmoo

I've got Bupa medical insurance and the ENT specialist is proposing an operation on my sinus. It's caused Bupa to intervene because I've previously had a nose operation to open up my airwaves. I haven't had the sinus operated before and this is something that's only been flagged up on a CT scan in recent weeks - months after my cover started - but will they class this as a pre-existing condition and not pay out? 

Nearlyold

If the operation on your sinus is a further attempt to cure/alleviate problems the previous nose operation to open up your airways was also intended to cure /alleviate, then it is likely to be classed as a pre-existing condition. 

It could also depend on how long ago the previous operation was.

DullGreyGuy

Jmoo said:

I've got Bupa medical insurance and the ENT specialist is proposing an operation on my sinus. It's caused Bupa to intervene because I've previously had a nose operation to open up my airwaves. I haven't had the sinus operated before and this is something that's only been flagged up on a CT scan in recent weeks - months after my cover started - but will they class this as a pre-existing condition and not pay out? 

What is the reason for needing the operation? Is it to fix an injury? Something that was always there and just previously undiagnosed? Is it seeking to achieve the same outcome as the previous operation of better breathing?

On the surface, with only the high level description given, it certainly sounds a reasonable prospect the two are linked and therefore it may be considered pre-existing but as always the devil is in the detail.