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  • FIRST POST
    • jen_79
    • By jen_79 8th Apr 18, 1:44 PM
    • 32Posts
    • 9Thanks
    jen_79
    Health Insurance - your experience of pre-existing conditions
    • #1
    • 8th Apr 18, 1:44 PM
    Health Insurance - your experience of pre-existing conditions 8th Apr 18 at 1:44 PM
    Hope someone can help!

    I went to the GP in August last year with a few weird symptoms in my arm. It got a bit worse so I went to the GP again a few weeks later who referred me to Neurology but there was a 12 month waiting list. As such, no diagnosis was provided.

    The symptoms went away a few months later and I've not thought about it since. I took out health insurance (moratorium underwriting) when someone in work talked about it in November. Something to do with an Apple Watch but I'm not interested lol

    The symptoms have been back over the last month so I thought I'd pay for a private consultation and when they asked me how I'd be paying I suddenly remembered I had health insurance!

    Anyway, I called the insurers up but they won't support me as based on me taking the policy out after the GP visits, it counts as a pre-existing condition.

    Is this fair? I guess the timing is correct but I'm not a medical expert so I don't know what condition it is I have that pre-exists the policy.

    Just wanted a quick 2nd opinion as I don't know anyone else with insurance. The guy in work has never claimed.

    Thanks
    Last edited by jen_79; 08-04-2018 at 2:27 PM.
Page 1
    • csgohan4
    • By csgohan4 8th Apr 18, 3:31 PM
    • 4,898 Posts
    • 3,129 Thanks
    csgohan4
    • #2
    • 8th Apr 18, 3:31 PM
    • #2
    • 8th Apr 18, 3:31 PM
    what did your terms and condition say when you took out the insurance and there will always be questions like 'are you waiting for investigations/ specialist follow up.' Did you remember these when you took out the insurance.
    "It is prudent when shopping for something important, not to limit yourself to Pound land/Estate Agents"
    • jen_79
    • By jen_79 8th Apr 18, 3:52 PM
    • 32 Posts
    • 9 Thanks
    jen_79
    • #3
    • 8th Apr 18, 3:52 PM
    • #3
    • 8th Apr 18, 3:52 PM
    Yes I kept the terms. It actually has two examples that seem like they might apply:

    1. A heart condition diagnosed by routine GP visit after the start of the plan. It is covered if you weren't aware of the symptoms before the plan started.

    2. You suspect you have a condition because of a lump that you have before the plan starts. The plan starts. You then get a diagnosis and treatment starts. It's excluded for the first 2 years of the plan because you were aware of the condition in the 5 years before the plan started.

    I have no idea what I've got, though I do know I have symptoms. A lump on your breast seems more of an obvious concern than my arm which has very confusing symptoms.

    I could get a proper answer by making a claim but I'd rather avoid it if it's just going to be obviously declined to keep my record clean and hopefully the premiums down.

    I'm leaning towards not covered though it would be handy if it was and tests and imaging will be required as I'm sure I won't be able to afford them. Or I could just wait for the NHS!
    • sheramber
    • By sheramber 8th Apr 18, 4:09 PM
    • 5,253 Posts
    • 3,913 Thanks
    sheramber
    • #4
    • 8th Apr 18, 4:09 PM
    • #4
    • 8th Apr 18, 4:09 PM
    A pre exisitng condition is usually anything that showed symptoms before taking out the plan. It doesn't need to have a diagnosis.

    Your healthplan will have a time - or moratonium- for any pre existng conditions. Any conditoin that arose in that time will be excluded either permanently or for a set period time depending on the plan.
    • jen_79
    • By jen_79 8th Apr 18, 4:31 PM
    • 32 Posts
    • 9 Thanks
    jen_79
    • #5
    • 8th Apr 18, 4:31 PM
    • #5
    • 8th Apr 18, 4:31 PM
    Thanks, think I suspected as much so just wanted to be sure. Really appreciate your help.
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