Holiday insurance with bank

Kevinp8880

We have holiday insurance with our bank now. If I’ve been given the all clear after radiation for prostate cancer would I have to declare this.

eskbanker

Depends on how the questions are phrased but I'd suggest that this is likely to be declarable - you could always ask them just to be sure, as it would be better to find out now than to discover later that your cover was invalid?

elsien

What do the terms and conditions say you have to keep them informed about?

for example, Lloyds bank say this:

• Medical conditions that you and anyone to be covered have, or have had, if they are not all on the ‘No Screen Conditions’ list must be declared and cover agreed with the insurer (there may be an additional premium if the insurer agrees to cover the condition(s))

so yes, your cancer would be declarable in that context. 

Ayr_Rage

Having been through the "trying to get insured with a medical condition treadmill" they will likely ask about any condition currently being treated, anything thing else in the last two years and ANY cancer diagnosis at any time.

You need to declare it.

Woodstok2000

Check the wording, but most policies want to know about all conditions from the past two years, and for what they term 'serious' conditions (e.g. cancer) it would be lifetime occurrence.

maman

I'd agree. Insurers usually keep it listed while you're having check ups for a few years. I'd call them and ask as all have different Ts and Cs. 

born_again

Kevinp8880 said:

We have holiday insurance with our bank now. If I’ve been given the all clear after radiation for prostate cancer would I have to declare this.

Just remember in these cases bank is just broker, not the underwriter.

TELLIT01

I'm with Lloyds and declared everything, even though just one condition wasn't on the list.  There was no additional charge for the item not on the 'no declare' list.  The person who took the call didn't understand why it had been removed from that list when there was no additional charge.

Do not assume that all policies have the same rules.  Some may want anything in the past 2 years, others may say 5, and others may not state a time limit.

Bigphil1474

I'd say yes. I had a tumour on a kidney way back in 2017 and although the kidney was removed and the cancer was 100% cured, i still had to declare it on my travel insurance. I'm with Barclays who have started charging extra for pre-existing conditions and this is still adding a small charge to the bundle policy. 

NoodleDoodleMan

I'm a bit unclear on the whole scenario here - did the OP declare that he was undergoing treatment for this condition and now wishes to update ?

If he didn't declare it the insurer is going to ask why not methinks.

MyRealNameToo

TELLIT01 said:

I'm with Lloyds and declared everything, even though just one condition wasn't on the list.  There was no additional charge for the item not on the 'no declare' list.  The person who took the call didn't understand why it had been removed from that list when there was no additional charge.

Do not assume that all policies have the same rules.  Some may want anything in the past 2 years, others may say 5, and others may not state a time limit.

Normally there are followup questions on most conditions, whilst it may still be fee free for those with a lighter case or a better controlled example they may have introduced charges for those with more sever forms or more poorly managed. 

NoodleDoodleMan said:

I'm a bit unclear on the whole scenario here - did the OP declare that he was undergoing treatment for this condition and now wishes to update ?

If he didn't declare it the insurer is going to ask why not methinks.

It would just be treated like any other fraud were they to make a claim for a medical reason, their GP answers the insurers questions including the treatment for cancer and the insurer then compares that to the declaration the OP made saying they have never been diagnosed with or treated for cancer.