Travel Insurance and Pre-existing Condition
Replies: 10 - Last Post: May 22, 2012 4:29 AM Last Post By: thaibeachlovers
May 21, 2012 4:05 AM
Travel Insurance and Pre-existing ConditionExactly what constitutes a pre-existing condition? My son was ill over 2 months ago with what his GP and hospital said was a stomach virus. The GP said it was viral gastro enteristis but the symptoms and length of illness did not correlate with this. After insisting on further tests he had a borderline liver condition but were still not prepared to take any action. I insisted on a second opinion and was referred to the NHS hospital were he was seen by a consultant dealing with stomach complaints. Despite my insisting that his main symptoms were not stomach related.
As soon as I mentioned his ongoing dayly headaches he interjected and said he only dealt with stomach complaints as if it was my fault I had been referred to him despite making my GP aware of the symptoms.
The hospital had closed the case and said there was nothing wrong despite border line blood test and his head aches.
Where do I stand now with his travel insurance? If he falls ill with liver, stomach, or illness as a result of headaches does this constitute a pre-existing condition.
His GP and the consultant are adament that his is not ill although he is getting head aches daily. Knowing UK insurance companies if he falls ill with anything they will invoke that it was a pre existing contition.
May 21, 2012 4:12 AM
May 21, 2012 4:26 AM
May 21, 2012 4:40 AM
May 21, 2012 4:47 AM
4IF you have not already bought the insurance then you must inform the insurance company of this where as if the incident occured after the insurance was taken out then check the terms and conditions.
I would be very wary about taking advise on this forum on such a matter and instead examine the terms and conditions or speak with a professional with expert knowledge about insurance
May 21, 2012 1:53 PM
5Whats this got to do with Thailand? There is a Health Branch, you know!!
May 21, 2012 6:03 PM
6Insurance companies are best at taking money and not paying out. They have departments to delay and stop payouts on any real or false irregularities on a claim. I would talk to the insurance legal dept and get any supporting letter required.
From my time as a holistic therapist and what you have said i would seek a good internalist as its sounds like it COULD be a dietary intolarance or even IBS (can affect males).
May 21, 2012 9:15 PM
7As I read it, there's NO pre-exisiting condition to disclose. Your doc said there's nothing wrong. There's thus no illness for any claim department to refer back to. As things stand now, that is.
The issue isn't really the insurance, but finding out what's wrong with your son and if you don't mind my saying so you really should not leave home until you are satisfied there is nothing wrong, or if there is what it is. THEN you might have a condition to list as pre-existing. Let's hope not!
I think you're putting the cart before the horse here, but in any event when push comes to shove your insurance policy is a legal contract, and you don't go to a travel forum for legal advice / interpretation but to a lawyer.
Follow through on the health check second opinions, but you have distinctly separate issues here.
May 21, 2012 10:08 PM
May 22, 2012 4:18 AM
9When you take out insurance you are asked to declare any pre-existing conditions. What consititutes a pre-existing condition is usually defined in the documentation but can often include a visit to a doctor/hospital consultant EVEN if no further medical action is required. Failure to declare can result in the policy not paying up. A condition such a a borderline liver condition would almost certainly need to be disclosed and al that will happen is a clause excluding aconected illness will be inserted into the policy
Once you have taken out a policy then as far as I am aware then as long as you are not travelling against the advise of you GP you will be covered
When you renew the annual policy you may then have to declare the condition.
However you should read through all the details in the fine print and if in doubt check with the insurance company.
At the end of the day your insurance company will provide you with the best advise but if you are unfortunate to have to make a claim and have not been open and honest then you will get stuffed.
May 22, 2012 4:29 AM
10IMO an existing condition is one that has been diagnosed by a Dr.
Everyone has headaches, so unless it was confirmed caused by some underlying condition, shouldn't apply.
However, as the hospital has notified you that he has "borderline liver condition" you would have to notify the insurance company of that, or risk denial of payment for failure to disclose.
However, the bigger picture is that if you are concerned he has something serious, you should get it sorted before even contemplating travel.
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