Travel insurance 'double cover'

It seems that, particularly with travel insurance, it's not always possible to avoid being 'double insured'. I have travel insurance as part of my  bank account, however, they won't provide cover for existing medical conditions. This obviously means that I've had to buy annual travel insurance with a company that do. Unfortunately one can't seem to buy insurance that only covers existing conditions, therefore one ends up being double covered for all the other eventualities.
Why is it not possible to get cover specifically for one's permanent ailments and let the other policy cover for the rest?

Comments

  • DullGreyGuy
    DullGreyGuy Posts: 9,136
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    Presumably because there is insufficient demand and with the base price of insurance being so cheap it'll make hardly any difference to the price charged
  • TELLIT01
    TELLIT01 Posts: 16,250
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    Will the bank not cover pre-existing conditions or is there an additional charge for them?  If an insurer would provide cover just for pre-existing conditions I would expect the premiums to be prohibitively high because the cover is high risk.
  • eskbanker
    eskbanker Posts: 29,884
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    Aldi1234 said:
    Unfortunately one can't seem to buy insurance that only covers existing conditions, therefore one ends up being double covered for all the other eventualities.
    Why is it not possible to get cover specifically for one's permanent ailments and let the other policy cover for the rest?
    But you're not requiring cover for conditions, you're needing cover with them, i.e. you'd still need to identify specifically which risks you'd be insuring against - the actual heads of cover in such policies will include cancellation, medical emergencies, repatriation, curtailment, baggage loss, etc, some of which may be influenced by health and others not, so structuring separate policies in the way you appear to want isn't practical.
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