AXA travel insurance - not declaring medical condition invalidates insurance cover ?

creditcardbaby

Sure this is an old topic, still unsure if definitive answer 

Went on family holiday recently took out travel insurance with AXA / Coverwise.

In respect of the following question answered no

At the time of taking out this policy you will not be covered for any claim arising directly or indirectly from: a. Any medical condition you have, or have had, for which you are taking or have been taking prescribed medication within the last 2 years.

Went on holiday, my adult daughter had bad throat infection which required hospital treatment. Gave hospital insurance details.

Got home, medical history requested by AXA. Checked policy, asked daughter the medication question and she told me in the last 2 years she took medication for anxiety. Clearly this is my fault, filled in form quickly, wrongly assumed she had not taken any medication in last 2 years and never occured to me to ask her - foolish I know !

Have checked since, had I disclosed the anxiery condition and answered the follow up questions, the increased insurance cost would be minimal.

The throat infection is clearly unrelated to the anxierty issue. I am however bound by the conditions of the contract I assume. Is it worth proceeding with the insurance claim (have not requested medical history from doctor yet) ? Do you think AXA may pay some of the bill as a goodwill gesture or is this wishful thinking ?!

creditcardbaby

Sure this is an old topic, still unsure if definitive answer 

Went on family holiday recently took out travel insurance with AXA / Coverwise.

In respect of the following question answered no

At the time of taking out this policy you will not be covered for any claim arising directly or indirectly from: a. Any medical condition you have, or have had, for which you are taking or have been taking prescribed medication within the last 2 years.

Went on holiday, my adult daughter had bad throat infection which required hospital treatment. Gave hospital insurance details.

Got home, medical history requested by AXA. Checked policy, asked daughter the medication question and she told me in the last 2 years she took medication for anxiety. Clearly this is my fault, filled in form quickly, wrongly assumed she had not taken any medication in last 2 years and never occured to me to ask her - foolish I know !

Have checked since, had I disclosed the anxiery condition and answered the follow up questions, the increased insurance cost would be minimal.

The throat infection is clearly unrelated to the anxierty issue. I am however bound by the conditions of the contract I assume. Is it worth proceeding with the insurance claim (have not requested medical history from doctor yet) ? Do you think AXA may pay some of the bill as a goodwill gesture or is this wishful thinking ?!

dunstonh

This is the missale/reclaim forum.  You are better off asking in the insurance section.

MyRealNameToo

creditcardbaby said:

Sure this is an old topic, still unsure if definitive answer 

Went on family holiday recently took out travel insurance with AXA / Coverwise.

In respect of the following question answered no

At the time of taking out this policy you will not be covered for any claim arising directly or indirectly from: a. Any medical condition you have, or have had, for which you are taking or have been taking prescribed medication within the last 2 years.

Went on holiday, my adult daughter had bad throat infection which required hospital treatment. Gave hospital insurance details.

Got home, medical history requested by AXA. Checked policy, asked daughter the medication question and she told me in the last 2 years she took medication for anxiety. Clearly this is my fault, filled in form quickly, wrongly assumed she had not taken any medication in last 2 years and never occured to me to ask her - foolish I know !

Have checked since, had I disclosed the anxiery condition and answered the follow up questions, the increased insurance cost would be minimal.

The throat infection is clearly unrelated to the anxierty issue. I am however bound by the conditions of the contract I assume. Is it worth proceeding with the insurance claim (have not requested medical history from doctor yet) ? Do you think AXA may pay some of the bill as a goodwill gesture or is this wishful thinking ?!

The rules under CIDRA are:

1. If its intentional or reckless - they can void the policy, avoid the claim and retain the premiums
2. If its careless then it depends on if they would have insured you had you made a full declaration:
1. No - they can cancel the policy, avoid the claim and pro-rata refund
2. Yes - they must settle the claim but proportionally reduced to reflect the under payment

It will depend on what they make of your explanation as to why you failed to declare the condition and if they deem it simply careless or reckless. 

soolin

This is a duplicate and is now posted in insurance board - so i will lose this thread now.

Travel insurance - not disclosing medical condition - careless or reckless ? — MoneySavingExpert Forum