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    • Scoombs
    • By Scoombs 15th May 17, 3:49 PM
    • 1Posts
    • 0Thanks
    Health insurance question
    • #1
    • 15th May 17, 3:49 PM
    Health insurance question 15th May 17 at 3:49 PM
    I wonder if anyone can offer any advice.

    I have health insurance with Vitality and have never claimed nor have any pre-existing conditions.
    I am experiencing some discomfort in my chest when excersising and my normal GP suggested that I use a 24hr heart tape machine to check it all out and would refer me to the specialist.
    It was suggested I contact Vitality to speed up this process from 6 wks to 1wk which i may well do.
    My question is. If I proceed through Vitality and after checks it shows that I have no problems will it still be considered a pre-existing condition upon renewal because I have seen a GP about it?

    Thanks in advance.
Page 1
    • richlfcx5
    • By richlfcx5 17th May 17, 3:32 PM
    • 3 Posts
    • 0 Thanks
    • #2
    • 17th May 17, 3:32 PM
    • #2
    • 17th May 17, 3:32 PM
    Hi There, to answer your question, it would be considered a pre-existing condition, but one that you now have protection for under your policy. It would also be considered a claim. Depending on which insurer you are with, claiming can have an influence on your renewal premium, I think vitality do not penalise you for a claim under 350, Anything over that and you will see an increase on top of the increase for your age, medical inflation and the soon to be rise in insurance premium tax.

    I hope this helps
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