Medical questions for high cholesterol

akh43

akh43 said:

I am wondering the same thing, just put on low dose statins due to a mixture of cholesterol (was 5.8, now 3.7) age (64) and weight (13.7lbs) increasing risks, but when I am looking to get travel insurance they seem to think you only have high cholesterol and are at risk of heart attacks and not other factors. My blood pressure is fine, always has been. I am not used to having to declare anything.

I am being asked this all in one question and asking for a yes or no

Have you or anyone in your party ever been diagnosed with or treated for any of the following:

• Heart or respiratory condition?
• Circulatory condition?
  (problems with blood flow, including strokes, high blood pressure and cholesterol)
• Liver condition?
• Cancerous condition?

Is this a yes or no?  They don't make this easy as I wasn't diagnosed with cholesterol as such, but advised to take the statins as a precautionary measure and to bring my cholesterol down a bit. Now wishing I had tried with the diet option instead.

eskbanker

akh43 said:

akh43 said:

I am wondering the same thing, just put on low dose statins due to a mixture of cholesterol (was 5.8, now 3.7) age (64) and weight (13.7lbs) increasing risks, but when I am looking to get travel insurance they seem to think you only have high cholesterol and are at risk of heart attacks and not other factors. My blood pressure is fine, always has been. I am not used to having to declare anything.

I am being asked this all in one question and asking for a yes or no

Have you or anyone in your party ever been diagnosed with or treated for any of the following:

• Heart or respiratory condition?
• Circulatory condition?
  (problems with blood flow, including strokes, high blood pressure and cholesterol)
• Liver condition?
• Cancerous condition?

Is this a yes or no?  They don't make this easy as I wasn't diagnosed with cholesterol as such, but advised to take the statins as a precautionary measure and to bring my cholesterol down a bit. Now wishing I had tried with the diet option instead.

If you've been prescribed statins to reduce cholesterol level then 'yes' would seem the only valid answer.

Neil49

I have an annual travel insurance policy through my bank account and have just checked the list of non notifiable conditions. In a very long list, both high blood pressure and high cholesterol are in the exceptions of conditions that you are required to notify them of having. 

So yes, your answer should be Yes, but it would seem that it would have little impact on the cost of your policy. 

Ganga

Surely the added cost what ever it is to your policy versus peace of mind that you are covered if anything goes wrong must be a plus.

akh43

eskbanker said:

akh43 said:

akh43 said:

I am wondering the same thing, just put on low dose statins due to a mixture of cholesterol (was 5.8, now 3.7) age (64) and weight (13.7lbs) increasing risks, but when I am looking to get travel insurance they seem to think you only have high cholesterol and are at risk of heart attacks and not other factors. My blood pressure is fine, always has been. I am not used to having to declare anything.

I am being asked this all in one question and asking for a yes or no

Have you or anyone in your party ever been diagnosed with or treated for any of the following:

• Heart or respiratory condition?
• Circulatory condition?
  (problems with blood flow, including strokes, high blood pressure and cholesterol)
• Liver condition?
• Cancerous condition?

Is this a yes or no?  They don't make this easy as I wasn't diagnosed with cholesterol as such, but advised to take the statins as a precautionary measure and to bring my cholesterol down a bit. Now wishing I had tried with the diet option instead.

If you've been prescribed statins to reduce cholesterol level then 'yes' would seem the only valid answer.

So I chose Yes as suggested, and then when I went to add my medical condition I put cholesterol, but then one of the further questions is "have I ever been prescriibed medication for high blood pressure" to which I said no as I do not and have never had high blood presure.  They have not asked me about my cholesterol medication/statins nor can I see anywhere to add this medication, but worried if I don't mention it it might invalidate my insurance. 

youth_leader

Could you go onto online chat and check?  

akh43

youth_leader said:

Could you go onto online chat and check?  

Just getting a quote via a comparison site and no chat option available that I can see.  Will try again tomorrow in the hope there is at chat or if not will ring.  I usually get several quotes and then decide on which, but they all ask slightly different questions which does not make it easy to compare. I never expected the fact I am on a statin would be so difficult to declare.

katejo

akh43 said:

eskbanker said:

akh43 said:

akh43 said:

I am wondering the same thing, just put on low dose statins due to a mixture of cholesterol (was 5.8, now 3.7) age (64) and weight (13.7lbs) increasing risks, but when I am looking to get travel insurance they seem to think you only have high cholesterol and are at risk of heart attacks and not other factors. My blood pressure is fine, always has been. I am not used to having to declare anything.

I am being asked this all in one question and asking for a yes or no

Have you or anyone in your party ever been diagnosed with or treated for any of the following:

• Heart or respiratory condition?
• Circulatory condition?
  (problems with blood flow, including strokes, high blood pressure and cholesterol)
• Liver condition?
• Cancerous condition?

Is this a yes or no?  They don't make this easy as I wasn't diagnosed with cholesterol as such, but advised to take the statins as a precautionary measure and to bring my cholesterol down a bit. Now wishing I had tried with the diet option instead.

If you've been prescribed statins to reduce cholesterol level then 'yes' would seem the only valid answer.

So I chose Yes as suggested, and then when I went to add my medical condition I put cholesterol, but then one of the further questions is "have I ever been prescriibed medication for high blood pressure" to which I said no as I do not and have never had high blood presure.  They have not asked me about my cholesterol medication/statins nor can I see anywhere to add this medication, but worried if I don't mention it it might invalidate my insurance. 

I have just bought a new policy and declared high cholesterol. I wasn't asked anything about statins. I just said no to the high blood pressure question.

sheramber

The perceived risk may be the same whether or not your prescribed medication so it makes no difference to the risk assessment for the insurance

There is always the chance you omit to take it sometimes.