Insurance Cover Query

Col2018

Hi

I've got medical/health conditions but fortunate enough for them to be stable. Therefore I planned to buy a basic insurance policy when I go overseas. Would this basic cover be okay for me to use if I needed to claim for non medical/health reasons e.g , lost luggage, item damage etc., or would the insurance company not pay because they would/might say I was in breach of contract I.e., I didn't declare my health conditions? 

elsien

The most expensive risks are health related.

 If you consider the comparative costs of cancellation or a hospital stay for anything that can be indirectly related to your current health conditions versus a lost suitcase, I’m struggling to see why you’d want to insure your luggage but not yourself.

NoodleDoodleMan

Not declaring medical conditions would likely compromise medical treatment cover required for an accident the cause of which was not related to health issues - for example a slip or fall.

I'm not 100% sure on such a scenario - but it does sound like the standard "get out" for a travel insurer.

I'm sure others can confirm/refute ?