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  • FIRST POST
    • Discodee
    • By Discodee 7th Aug 18, 11:39 AM
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    Discodee
    0 WOW
    help . if i dont declare a pre existing condition on insurance
    • #1
    • 7th Aug 18, 11:39 AM
    0 WOW
    help . if i dont declare a pre existing condition on insurance 7th Aug 18 at 11:39 AM
    Hiya
    I am in a quandry
    I buy annual travel insurance each yr for 4 of us and declare my astham and anxiety. Wouldnt need to declare the anxiety as it doesnt affect me on holiday but these companies seem to say you cant dislude one you have to have cover for all or none.
    I wouldnt not want to risk not having cover for asthma even tho it is mild because if i was to get a bad cold, I could end up having an asthma attack and even tho i take steroids with me, I am 55 and think what if i developed pneumonia and ended up in hospital? theyd blame the asthma and id end up with a massive bill. Not likely but as its only a 5 to add the asthma on, not worth not doing.

    So here is my dilemma. Insurance is due for renewal.I am now awaiting an MRI scan on my knee. My cartilage has been torn twice previously and has been repaired. There is nothing you cna ever do for this other than repair it using keyhole under anaesthetic.
    I would not need any cover. Even if my knee buckled and i could hardly walk, id drag myself to the airport, and nothing could be done until the op as the first time this went, i could hardly walk for 2 weeks and just had to it up with it.

    One insurance company, I noticed, said if you do not declare PEMC you will not be covered for that condition.
    Now thats fine; i dont NEED cover for my knee.
    You can declare illnesses and decline cover but cant say I will keep the asthma and decline the knee.

    So I am inclined to just not mention the knee and carry on as usual.
    But I have seen some things that say if the insurance could prove they would not have insured you if they'd known about the condition they could refuse ANY claim. However I dont think they could say that about a cartilage injury.
    Also i have used online tools to get a quote for said condition and they would insure me for it; at a premium!

    I really do not need insurance for my knee. I was skiing for years with a torn cartilage and didnt know as they kept x raying it rather than mriing it and saying they couldnt see anything. It was only when it suddenly "went" and i couldnt walk that they MRI'd it and found the tear. So i was holidaying for years anyway with a tear i didnt know about.

    Does anyone have any solid knowledge about this. Would they still have to pay out if i got pneumonia or if i fell down a step and broke my leg etc?
    i dont want to have to pay inflated premiums for soemthign that nothing could be done about abroad anyway but dont want to leave myself uninsured.

    Its about time this was changed where you can select which conditions you want insuring and which you can leave.
    I can be brown I can be blue I can be violet and sky. I can be hurtful I can be purple I can be anything you like..Gotta be green gotta be mean gotta be everything more...
Page 1
    • stevie11
    • By stevie11 7th Aug 18, 12:37 PM
    • 517 Posts
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    stevie11
    • #2
    • 7th Aug 18, 12:37 PM
    • #2
    • 7th Aug 18, 12:37 PM
    IMO best policy is to be honest. If you have pre existing or are due to have tests or an operation etc. The insurance company may ask further questions and risk analysis of your stated conditions but that does not always mean there will be a big price increase.

    I would rather know before I travel where I stood in the event of any potential claim than be stranded or have to struggle without treatment for the rest of the trip.
    • pattycake
    • By pattycake 7th Aug 18, 12:49 PM
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    pattycake
    • #3
    • 7th Aug 18, 12:49 PM
    • #3
    • 7th Aug 18, 12:49 PM
    In your example, you say if I fell down a step and broke a leg, well the insurers could easily and possibly correctly say it was due to your unstable knee.

    Declare everything. A few extra s now could save many thousands if something went wrong.
    • Discodee
    • By Discodee 7th Aug 18, 12:50 PM
    • 1,930 Posts
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    Discodee
    • #4
    • 7th Aug 18, 12:50 PM
    • #4
    • 7th Aug 18, 12:50 PM
    well as i said there is no treatment for a torn cartilage other than an operation ( or you can have physio, but nothing that could be done abroad if it suddenly gave me gyp.
    Id just like to know if they cannot refuse to pay out if i had an asthma attack just because i didnt declare my knee, so that doesn't really answer my question! lol

    The system really does need looking at.
    My daughter suffered depression in her late teens. i used to declare it for her but decline cover. On an annual policy for 4 costing 80, id have had to pay a 78 premium to cover her for depression!!! Now luckily that was all she had so we could decline it.however if shed had say mild asthma, id have had to have stumped upo the 78 premium for the depression to ensure she was covered for asthma which is a 5 premium . Its a massive con. We should be able to declare them but select which we want cover for. you cna select to have or not have flight disruption, winter sports, cancellation/money etc Why not be able choose which condition you want cover for? really annoys me!
    Thanks for your help. I hope someone can come along and answer the question!
    I can be brown I can be blue I can be violet and sky. I can be hurtful I can be purple I can be anything you like..Gotta be green gotta be mean gotta be everything more...
    • stevie11
    • By stevie11 7th Aug 18, 1:04 PM
    • 517 Posts
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    stevie11
    • #5
    • 7th Aug 18, 1:04 PM
    • #5
    • 7th Aug 18, 1:04 PM
    OP, why don't you contact your insurance company and check to be sure. Insurance companies may have different rules on the subject you are querying.
    • peachyprice
    • By peachyprice 7th Aug 18, 1:06 PM
    • 19,791 Posts
    • 45,829 Thanks
    peachyprice
    • #6
    • 7th Aug 18, 1:06 PM
    • #6
    • 7th Aug 18, 1:06 PM
    well as i said there is no treatment for a torn cartilage other than an operation ( or you can have physio, but nothing that could be done abroad if it suddenly gave me gyp.
    Id just like to know if they cannot refuse to pay out if i had an asthma attack just because i didnt declare my knee, so that doesn't really answer my question! lol

    The system really does need looking at.
    My daughter suffered depression in her late teens. i used to declare it for her but decline cover. On an annual policy for 4 costing 80, id have had to pay a 78 premium to cover her for depression!!! Now luckily that was all she had so we could decline it.however if shed had say mild asthma, id have had to have stumped upo the 78 premium for the depression to ensure she was covered for asthma which is a 5 premium . Its a massive con. We should be able to declare them but select which we want cover for. you cna select to have or not have flight disruption, winter sports, cancellation/money etc Why not be able choose which condition you want cover for? really annoys me!
    Thanks for your help. I hope someone can come along and answer the question!
    Originally posted by Discodee
    You're missing one important point.

    Travel insurance isn't just to cover you while you're abroad, it's to cover you should you need to cancel before your travel date.

    Say you book your holiday, your cartilage gets so bad you need an op 2 weeks before you planned holiday, you would want to claim for cancellation. If you don't declare your knee they won't pay out.

    If you have an asthma attack the day before you travel and end up in hospital they won't pay out for missed departure.

    There's also a good chance that should you need to cancel or need hospital care whilst abroad for any UNRELATED illness they will look at your medical records and refuse to pay out because you didn't declare your known medical conditions, meaning they were not given an accurate picture of your health when they calculated the premium, thus making your policy void.
    Accept your past without regret, handle your present with confidence and face your future without fear
    • sheramber
    • By sheramber 7th Aug 18, 1:54 PM
    • 5,317 Posts
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    sheramber
    • #7
    • 7th Aug 18, 1:54 PM
    • #7
    • 7th Aug 18, 1:54 PM
    What if your knee went and you fell down and cracked your skull resulting on a fractured skull or worse requiring a long stay in hospital, enable to fly home?

    You may also find you will not get insurance if you are awaiting an MRI as the insurance company do not know what the result will be.

    It is better to be honest and avoid problems pater on.
    • jpsartre
    • By jpsartre 7th Aug 18, 1:58 PM
    • 3,549 Posts
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    jpsartre
    • #8
    • 7th Aug 18, 1:58 PM
    • #8
    • 7th Aug 18, 1:58 PM
    The system really does need looking at.
    Originally posted by Discodee

    Why? If you declare everything you won't have a problem. The fact that you don't like the prices you are qouted is neither here nor there and certainly no reason why anything needs looking at.
    • hollydays
    • By hollydays 7th Aug 18, 4:21 PM
    • 16,439 Posts
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    hollydays
    • #9
    • 7th Aug 18, 4:21 PM
    • #9
    • 7th Aug 18, 4:21 PM
    Why bother to buy insurance and lie. Just don't bother buying any . Deliberately leaving out information could invalidate your whole policy
    • koalakoala
    • By koalakoala 7th Aug 18, 9:07 PM
    • 97 Posts
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    koalakoala
    Seems you can't sort greed ......
    • Discodee
    • By Discodee 7th Aug 18, 9:57 PM
    • 1,930 Posts
    • 2,959 Thanks
    Discodee
    You're missing one important point.

    Travel insurance isn't just to cover you while you're abroad, it's to cover you should you need to cancel before your travel date.

    Say you book your holiday, your cartilage gets so bad you need an op 2 weeks before you planned holiday, you would want to claim for cancellation. If you don't declare your knee they won't pay out.

    If you have an asthma attack the day before you travel and end up in hospital they won't pay out for missed departure.

    There's also a good chance that should you need to cancel or need hospital care whilst abroad for any UNRELATED illness they will look at your medical records and refuse to pay out because you didn't declare your known medical conditions, meaning they were not given an accurate picture of your health when they calculated the premium, thus making your policy void.
    Originally posted by peachyprice
    Honestly that wont happen lol. I have lived with a torn cartilage for 10 ys. Only found out about when i became so i could barely walk. This resulted in an mri after yrs of x rays showing nothing. I was in agony and in fact went to A&E and out of hours twice whilst waiting for it and all they said was take painkillers. The knee does not get worse so it "needs an op earlier" lol. I wouldnt not go abroad because of that. The knee eventually settled done pre op and i found out that what had happened was the cartilage "flipped" which causes the worst pain it can. I once went on a city break to Madrid before having my first op ( I didnt know about declaring these things then lol) and walked miles every day. I also ski ied a little bit just during lunch as my daughter is same height/weight as me. That was maybe a bit daft. I have never fallen because of my cartilage! I do see what youre saying but it isnt likely to happen.
    regarding " you didnt declare so the policy could be null and void" thats EXACTLY what I am trying to establish

    As I see it they can only do that if you didn't declare something THEY WOULD REFUSE TO INSURE YOU FOR. Otherwise youre just not insured for the condition you didnt declare
    Thats what I was trying to establish, which is true. No-one would refuse insurance for a cartilage tear people have them and dont even know. As i said i had one for years. i skied for years and years with it!!

    Someone suggested asking insurance company but if i ask them, then choose to not declare theyre going to ask why! I just do it online where it doesnt ask about that whereas if you ring it des ask you so youre lying whereas if you inadvertently miss it off a form, it isnt lying as such.

    Bit of a thought provoker! Thanks all for your advice, I shall definitely think about it.

    btw the person who commented above my LASt comment, you must have posted as I was as I have only just seen it! Sorry
    Last edited by Discodee; 07-08-2018 at 10:02 PM.
    I can be brown I can be blue I can be violet and sky. I can be hurtful I can be purple I can be anything you like..Gotta be green gotta be mean gotta be everything more...
    • Discodee
    • By Discodee 7th Aug 18, 10:06 PM
    • 1,930 Posts
    • 2,959 Thanks
    Discodee
    Why bother to buy insurance and lie. Just don't bother buying any . Deliberately leaving out information could invalidate your whole policy
    Originally posted by hollydays
    well thats exactly what i am asking.
    id bother to buy insurance in case someone gets sick and cant go, in case someone takes ill abroad, in case we lose luggage. I have had a torn cartilage for yrs and yrs and it wouldnt affect me in that i need to claim. Yet they pile up the premiums AND asn i said Id be happy to declare it but decline cover but then id have to decline the clover for my asthma too and i think that is wrong

    I was asking did anyone know the exact rules, please see my post above. It is doutbtful the policy would be voided in this circumstance. I have heard it is only if they can prove they would have refused cover if theyd known about that condition.
    THAT is what I am asking for clarification on.

    Nothing to do with "greed"

    To repeat
    if i could declare it and decline cover I would, but they dont allow that!

    Some people have been helpful and others a bit rude, and not read the question properly
    I can be brown I can be blue I can be violet and sky. I can be hurtful I can be purple I can be anything you like..Gotta be green gotta be mean gotta be everything more...
    • Discodee
    • By Discodee 7th Aug 18, 10:09 PM
    • 1,930 Posts
    • 2,959 Thanks
    Discodee
    Why? If you declare everything you won't have a problem. The fact that you don't like the prices you are qouted is neither here nor there and certainly no reason why anything needs looking at.
    Originally posted by jpsartre
    Another who hasnt read my post!

    because, you should be able to declare all conditions then say I will decline cover for this one but have it for that one.
    You can't and it is all money making.
    read what i put about my daughters depression 78!!! added on!!! If we took it. We declined it.
    But i cannot decline the cartilage without declining the asthma, and that is something i HAVE to have just in case.

    Clear now?

    lol
    I can be brown I can be blue I can be violet and sky. I can be hurtful I can be purple I can be anything you like..Gotta be green gotta be mean gotta be everything more...
    • Discodee
    • By Discodee 7th Aug 18, 10:10 PM
    • 1,930 Posts
    • 2,959 Thanks
    Discodee
    What if your knee went and you fell down and cracked your skull resulting on a fractured skull or worse requiring a long stay in hospital, enable to fly home?

    You may also find you will not get insurance if you are awaiting an MRI as the insurance company do not know what the result will be.

    It is better to be honest and avoid problems later on.
    Originally posted by sheramber
    the mri is rescanning my knee which was operated on again in march but i fell over in may and it has retorn, so they know what it is lol, but the mri is before i go away anyway
    I can be brown I can be blue I can be violet and sky. I can be hurtful I can be purple I can be anything you like..Gotta be green gotta be mean gotta be everything more...
    • Discodee
    • By Discodee 7th Aug 18, 10:15 PM
    • 1,930 Posts
    • 2,959 Thanks
    Discodee
    Why bother to buy insurance and lie. Just don't bother buying any . Deliberately leaving out information could invalidate your whole policy
    Originally posted by hollydays
    but could it? Thats the question i am asking here
    But noone has given me proof
    Ive been told they can only do that if they can prove theyd not have sold you insurance if theyd known about that condition and its hardly life threatening, is it?
    I can be brown I can be blue I can be violet and sky. I can be hurtful I can be purple I can be anything you like..Gotta be green gotta be mean gotta be everything more...
    • hollydays
    • By hollydays 7th Aug 18, 11:34 PM
    • 16,439 Posts
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    hollydays
    but could it? Thats the question i am asking here
    But noone has given me proof
    Ive been told they can only do that if they can prove theyd not have sold you insurance if theyd known about that condition and its hardly life threatening, is it?
    Originally posted by Discodee
    The proof will be when the worst happens and you aren't covered.
    • elsien
    • By elsien 7th Aug 18, 11:57 PM
    • 17,393 Posts
    • 43,857 Thanks
    elsien
    How much are you spending on the holiday compared to the extra premium? Most of the loading is likely to be for the asthma which you are going to declare anyway.
    I don't see why you'd want to potentially risk your cover for the sake of a few quid.
    And yes I have read your post, and I understand what you're asking, but if you're having to cover the more expensive pre-existing conditions anyway then I'd cover the lot. For the little you'd save, what's the point?
    All shall be well, and all shall be well, and all manner of things shall be well.

    Pedant alert - it's could have, not could of.
    • peachyprice
    • By peachyprice 8th Aug 18, 7:35 AM
    • 19,791 Posts
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    peachyprice

    As I see it they can only do that if you didn't declare something THEY WOULD REFUSE TO INSURE YOU FOR. Otherwise youre just not insured for the condition you didnt declare
    Thats what I was trying to establish, which is true. No-one would refuse insurance for a cartilage tear people have them and dont even know. As i said i had one for years. i skied for years and years with it!!
    Originally posted by Discodee
    Then you would be wrong.

    By not declaring conditions doesn't mean you just won't be covered for them, it means they issued you a policy under false pretences. By not declaring conditions they do not have accurate information about your health on which to base their premium. It is basically fraud, tricking them in to giving you a cheaper policy by omitting information, and would void a policy should you attempt to claim for ANYTHING health related.
    Accept your past without regret, handle your present with confidence and face your future without fear
    • Pollycat
    • By Pollycat 8th Aug 18, 9:00 AM
    • 20,875 Posts
    • 56,213 Thanks
    Pollycat
    Then you would be wrong.

    By not declaring conditions doesn't mean you just won't be covered for them, it means they issued you a policy under false pretences. By not declaring conditions they do not have accurate information about your health on which to base their premium. It is basically fraud, tricking them in to giving you a cheaper policy by omitting information, and would void a policy should you attempt to claim for ANYTHING health related.
    Originally posted by peachyprice
    Absolutely agree.

    And a lot of insurance companies will be looking for a loophole not to pay out if you do have to claim so you would be handing them an excuse on a plate.
    • sheramber
    • By sheramber 8th Aug 18, 2:18 PM
    • 5,317 Posts
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    sheramber
    Not a recommendation. Found on a Google search

    https://www.essentialtravel.co.uk/travelinsurance/preexisting-medical-conditions/

    Should I declare my medical condition?

    It is very important that you declare any medical conditions, either using our online medical screening, or by calling our customer services. Failure to declare any medical conditions may invalidate your entire policy.

    However, once you have declared your condition you can choose to exclude it from your policy. This means that should you require any medical treatment related to or for this condition whilst you are away, it won't be covered by your insurance. You will still be covered for medical treatment that is not related to your condition.
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