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Medical insurance cover


tonyg3nwl

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The problem now arises as to where to try for medical cover for pre existing conditions

 

Since July, I have made quite a number of trips to hospital trying to get to the bottom of a persistent dry cough. numerous gp attempts to drown me in various cough mixes, all unsuccessful eventually got me a referral to Thoracic unit. They put me through the scanner and the latest suggestion is that i have IPF (idiopathic Pulmonary Fibrosis) . There is no known cause, or cure but palliative treatment via steroid inhaler. I am reassured that it is not infectious, nor is it Cancerous.

 

The scanner also showed up potential Kidney stones, an abdominal aortic aneurism and possible cyst on the pancreas. A coincidental urine infection treated by a decent antibiotic 'and query prostate enlargement was also reported, but no treatment necessary at this stage for any of these 'little problems'

 

Further thoracic test are to be carried out next week

 

With all these problems revealed by the scanner, and no urgent action needed, just a recall for further scan in 12 months time, what chance is there that I can find suitable medical cover for a continental 6 week trip next year ( assuming I am still around to enjoy such a trip) (I am certainly not about to fall off my peg just yet)

 

 

Any suggestions

 

tonyg3nwl

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I have multi-trip medical cover with the Caravan Club and also have a pre-existing condition.

 

If I want the CC policy to cover me if I fall ill abroad then I have to telephone Medi-quote and speak to their nurse. If satisfied that I am coping ok they will add an amendment and supply letter which I have to pay for. It depends where you wish to go how much this extra amount will be.

I understand there are a number of companies who offer cover for pre-existing conditions. Shop around and speak to them. Saga perhaps?

Ian L.

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Having had personal experience of an aneurism and without going into detail I believe you will not get cover of any description for the aneurism. The best you will get is cover that excludes that particular condition. Of course many of us are walking around with aneurisms without realising it but because you have the condition verified as a result of your scan I believe this particular ailment is uninsurable not even with a heavily loaded premium. The other conditions you mention should be insurable.

 

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With my list of declared conditions growing year on year I have been giving this subject some thought.

 

I am a member of the ADAC (German AA/RAC) and they include medical assistance in the cover.

They will not pick up treatment costs, but they will transport me or my wife home and the motorhome if we are both unable to drive. They will even fly me home in a private air ambulance and recover the motorhome to my address.

 

Now, as I have an E111 or whatever it is now, i can get emergency treatment in any EU country, so I wonder why I actually need expensive medical insurance?

 

H

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I actually have medical cover with my bank account but it only covers me for 31 days - it would actually cover my partner as well if I had one. I can pay extra to cover me for longer (I think for 93 days it is about £84) plus £15 to cover all excesses.

 

I have some health issues although all are well under control - in fact my blood pressure is better now than when I was in my twenties! Out of interest I asked Saga for a quote and this almost caused me to have a heart attack! Answer: £389!!!

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Patricia - 2011-11-14 5:37 PM

 

I actually have medical cover with my bank account but it only covers me for 31 days - it would actually cover my partner as well if I had one. I can pay extra to cover me for longer (I think for 93 days it is about £84) plus £15 to cover all excesses.

 

I have some health issues although all are well under control - in fact my blood pressure is better now than when I was in my twenties! Out of interest I asked Saga for a quote and this almost caused me to have a heart attack! Answer: £389!!!

 

Things might have improved since but when I checked my bank's medical cover a few years back the terms and conditions strictly prohibited cover for existing medical conditions. Have you checked the small print of your bank account insurance policy?

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Having gone through the same excersise in obtaining Insurance for my wife's medical problems, I posted this on a previous thread regarding the same subject.

 

Travel Insurance – Pre-existing Medical Condition (in no particular order)

http://www.staysure.co.uk/travel-insurance

www.insurewith.com

http://www.allcleartravel.co.uk/cgi-bin/lansaweb?procfun+msdweb01+msdw009+alc

http://www.holidaysafe.co.uk/

https://miatravelinsurance.co.uk/miaonline/

 

http://www.miatravelinsurance.co.uk/

www.free-spirit.com

www.chartwellinsurance.co.uk

http://www.travelinsured.co.uk/pre_existing.htm

Those named above all specialise in pre-existing Medical Conditions, but each have differing load ratings for each “condition”.

So one may be substantially lower for one condition, but expensive for another. So you need to check who is the best Insurer for your/partners’ specific condition.

Also be prepared for an initial shock, if you select the Insurer with the highest "loading" for your condition. Best remember you still have a choice of others.

In my experience is that Saga & RIAS fall somewhere between a "standard" Insurer & the specialist pre-existing Medical Condition Insurer. So they may or may not be able to provide the same level of cover as the Specialists.

http://www.the-insurance-surgery.co.uk/travel_insurance.php

They do not insure you but direct you to companies relative to your condition.

Comparison site

http://www.moneysupermarket.com/c/travel-insurance/pre-existing/medical/conditions/

 

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Hi All, The point I was trying to make in my original post, was that had the cough been sorted without recourse to the scanner, i would have been completely ignorant of the associated reported conditions, and would have been able to legitimately get insurance cover except perhaps for a cough mix

 

I wonder what would have happened then, if one of the other conditions had flared up and caused a full on emergency.. would the insurance have paid up...I have a deep suspicion that they would argue that the conditions must have been pre existing, ( a kidney stone for example doesn't appear overnight)

 

How many persons of a similar age can honestly say they havent got any reportable conditions, but just dont know it.

 

Thanks to those who sent pm's on the subject, and to all for insurance suggestions.

 

I have been trawling internet for options, but in each case tried so far I run up against a message that I must ring an 0800 number . It doesn't seem possible to fill in a blank form stating the conditions , but trawl through a long list in alphabetical order trying to reconcile medical terminology with plain english.

 

No doubt someone will take the risk ultimately.

 

tonyg3nwl

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Guest 1footinthegrave
hallii - 2011-11-14 4:20 PM

 

With my list of declared conditions growing year on year I have been giving this subject some thought.

 

I am a member of the ADAC (German AA/RAC) and they include medical assistance in the cover.

They will not pick up treatment costs, but they will transport me or my wife home and the motorhome if we are both unable to drive. They will even fly me home in a private air ambulance and recover the motorhome to my address.

 

Now, as I have an E111 or whatever it is now, i can get emergency treatment in any EU country, so I wonder why I actually need expensive medical insurance?

 

H

 

Only if you snuff it whilst away, not unknown, or be prepared for your next of kin to pick up the costs. It is something I've thought about,and could we get away with a stiff in the back of the van to avoid the repatriation costs, would probably need very good aircon though. As for reportable conditions it would be easier to say what's not wrong in my case, it's a bloody minefield this insurance malarky :'(

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tonyg3nwl - 2011-11-16 8:53 AM

 

Hi All, The point I was trying to make in my original post, was that had the cough been sorted without recourse to the scanner, i would have been completely ignorant of the associated reported conditions, and would have been able to legitimately get insurance cover except perhaps for a cough mix

 

I wonder what would have happened then, if one of the other conditions had flared up and caused a full on emergency.. would the insurance have paid up...I have a deep suspicion that they would argue that the conditions must have been pre existing, ( a kidney stone for example doesn't appear overnight)

 

How many persons of a similar age can honestly say they havent got any reportable conditions, but just dont know it.

 

Thanks to those who sent pm's on the subject, and to all for insurance suggestions.

 

I have been trawling internet for options, but in each case tried so far I run up against a message that I must ring an 0800 number . It doesn't seem possible to fill in a blank form stating the conditions , but trawl through a long list in alphabetical order trying to reconcile medical terminology with plain english.

 

No doubt someone will take the risk ultimately.

 

tonyg3nwl

 

You are obliged to report what you know. What you do not know, you cannot report. For you to know it, it has to have been diagnosed (the implicit assumption being that if you suspect you are ill, you will seek medical advice). Until diagnosed, you are presumed by the insurer to present no greater risk that any other undiagnosed, so assumed reasonably well, person. In other words, to have a standard risk profile for a normally healthy person of your age. Once you are diagnosed, your risk profile changes, and with that the premium charged, and possibly the willingness to insure.

 

People hide conditions (either by not declaring them, or by not seeking medical advice when the suspect they may be ill) because they don't want the increased premiums, or fear they will not get insurance. If they then become ill, claim, and the pre-existing, and known, condition is revealed the insurer, justifiably, is liable to refuse to pay out.

 

You are in the unfortunate position of having had a suspected ailment checked and declared benign, but another unsuspected, but potentially serious, ailment diagnosed in the process. In one sense, therefore, you are lucky, because you can now take further advice, and possibly treatment, or precautions, regarding that condition. To some extent, that is just life, but it is also very bad luck. I would say, however, that whoever spotted the aneurysm while looking for possible lung cancer did an excellent job, and may well have saved your life in the process.

 

If you can truly afford the risk, you may be better off insuring for what you can insure, and relying on your EHIC for the rest. If you trip over a kerb and break your nose, for example, you would still be better off than with no insurance at all - assuming there is no reason to suspect the aneurysm caused you to trip! What the EHIC won't generally cover is repatriation costs, which can be very high, and may not be be covered for anything connected to the aneurysm.

 

However, the aneurysm presents only a risk: there is no certainty as to when, or whether, it will strike. I think you may need to approach a specialist medical insurer to see what can be arranged, rather than persist with the standard "tourist" insurance packages. You may need to pay for specific examinations, and you may have to have further tests to more accurately define the risk, but you should be able to get something, at a price, that will be better than nothing. Only then, if you don't like the price, you will have to make the hard decisions.

 

However, if you research repatriation costs, and consider the huge cost of medical treatment, you will begin to see that the premium you are offered is giving you a (perhaps very unwelcome) message about the perceived risk your condition presents. If your condition carries a high insurance risk, there will be a point at which the cost of insurance, with its added overheads, will exceed the perceived cost of whatever medical intervention may be needed. You may then have to decide to stick within the UK. I truly hope you do not find yourself in that position, and hope you find an insurance suitable for your needs.

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Guest 1footinthegrave
I have just had a quote from Staysure, there are......wait for it.................53 pages of terms and conditions, all in very small print, what an absolute joke, oh and because I have now hit 66 can only go for a maximum of 31 days in any one trip unless I pay an "enhanced" premium, mmmmmmmm, think it getting to the point where there is going to be one carefully maintained IH Savannah on Ebay. :-(
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Dont think any insurer will cover costs relating to known and stated medical conditions.

 

My friends father died whilst in portugal 2 years ago, he had no insurance and the red tape and indeed the cost incurred by my friend to repatriate the body was astounding. Havent spoken to him for a while but I think he ended up burying the poor bloke out there. So as mentioned earlier in the thread next of kin are the ones to suffer but then again you cant just stay at home untill you croak it, so just add 10k to your next of kins inheritance and tell them to sort it out. :-D

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ips - 2011-11-17 2:36 PM

 

Dont think any insurer will cover costs relating to known and stated medical conditions.

 

My friends father died whilst in portugal 2 years ago, he had no insurance and the red tape and indeed the cost incurred by my friend to repatriate the body was astounding. Havent spoken to him for a while but I think he ended up burying the poor bloke out there. So as mentioned earlier in the thread next of kin are the ones to suffer but then again you cant just stay at home untill you croak it, so just add 10k to your next of kins inheritance and tell them to sort it out. :-D

 

They will sometimes qualify the cover e.g. no cover for 6 months if medication has been increased.

 

However, if they can avoid payment they will! My husband had a mini stroke in France many years ago and insurers refused to pay. They said he had had one years before that although that was only a suspected stroke, never confirmed and the specialist wrote a letter to confirm this fact, they still would not pay. I fought them for months but by that time my husband was so ill with another problem that I gave up.

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Hi again,

Yesterday's attempts to do the required breathing tests were frustrated by 'the cough'..i couldnt hold by breath for the required 8 seconds as the cough intervened so test had to be aborted.

 

i have now been given a stronger dose of steroids for a trial period of 4 weeks, this time in tablet form, and another appointment to discuss the outcome in about 4 weeks time

 

 

i had a discussion with the nurse regarding insurance and she kindly printed out a list of potential insurers, so that is a great help. Some of them have other than 0800 type numbers so I might get through to other than a non specialist "advisor"

 

watch this space

 

 

tonyg3nwl

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tonyg3nwl - 2011-11-18 8:46 AM

 

i had a discussion with the nurse regarding insurance and she kindly printed out a list of potential insurers, so that is a great help. Some of them have other than 0800 type numbers so I might get through to other than a non specialist "advisor"

 

watch this space

 

 

tonyg3nwl

 

Hi Tony

If you get the opportunity, could you post the list or any that do not already appear in the thread.

Many thanks.

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Hi again, in response to Flicka and others who may also be dying from the neck upwards but dont know it,, Bournemouth gave me the following information.

 

Brunsdon-- 01452 623623

City Bond---0870 4446431

Healthcare Partners--0800 0665604

 

All Clear--- 0871 208 8579

Atlas---0870 811 1700

AXA 0800 068 3911

COOP--0845 746 4646

Fish--01772 724442

Freedom Travel--0870 744 3760

Halifax---0800 032 1751

Insurance Choice--0844 5577620

SAGA 0800 015 8055

Tesco--0845 3009900

Venturesure --0845 2303521

Age Concern --0845 6851058

Flexicover Direct 0870 4608932

Marcus Hearn 020 7739 3444

Nationwide -- 0500 302012

 

For USA Lincare---+001 407 846 4144 Main Office

 

I have not tried any of these at present and am not advertising on their behalf, simply forwarding the list as offered by Bournemouth Hospital I am not making any recommendations nor acting as agent on behalf of any of them. Should anyone decide to use one of them , I cannot accept any responsibility whatsoever.

 

Good luck

 

tonyg3nwl

 

 

 

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Guest JudgeMental

and Bournemouth hospital know exactly what about motor homing & travel.. *-)

 

Cant believe that you cant be bothered to check out at least a couple of the recommendations on here......

 

FYI the conversation with Staysure was straightforward and far from onerous and I bet I have more conditions then you! na na na na naaaaa :D

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Thanks Tony

The more potential Companies, the better. But remember The different Insurers DO NOT load a specific Conditions the same, so it is a question of which meets your requirement.

 

Although looking at the Bouremouth hospital list, IMHO the likes of Tesco, Halifax & Nationwide, will not be suitable for most people with pre-existing Medical Conditiond

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JudgeMental - 2011-11-19 1:03 PM

 

"and Bournemouth hospital know exactly what about motor homing & travel.. *-) "

 

Nothing, just offered a list of possible insurers

 

"Cant believe that you cant be bothered to check out at least a couple of the recommendations on here...... "

 

Have been doing this today...but cover duration is limited to 30/31 days, or age limited to 70 or other website tried didn't identify the conditions I know in their alphabetical lists. so got referred to a phone number

 

"FYI the conversation with Staysure was straightforward and far from onerous "

 

glad you had better success than me

 

 

tonyg3nwl

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Guest JudgeMental

Tony, most of these companies are just underwriters for the actual insurance company......They do not do the screening themselves hence refer you to someone else, It really is not that difficult......

 

web site clearly states that they cover longer trips. Obviously the risk to them then increases substantially? and they may then chooses not to insure or heavily load policy...Only thing you can do then is enquire re single trip cover

 

in my case I was turned down by everyone for yearly and best I could get was a 31 day cover for Europe for £200! Staysure covered me world wide including USA accepting all pre existing conditions for £320.

 

(I have so many problems ..If I was a horse they would shoot me!*-))

 

soldier on you will get something :-D

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Hi again, I have just been ringing around the possible insurers, and have found out that in general, pre-exinting condition are exclude from any cover, duration is restricted to single trip 31 days or thereabouts,

, or in one case the quote was over 900 pounds with 250 excess for medical cover included total cover for medical events limited to 1,000,000 pounds not the 10 million others normally cover.

 

I am beginning to realise my foreign touring days are just about over, so either be limited to UK or sell the van and pass away quietly (not planning to accept that option just yet a while).

 

I just have do dig out Andy's ramblings and seek inspiration that way.

 

The silly thing is that apart from the annoying cough, I don't feel over the hill and ready to curl up in the old folks home just yet, I am not yet old enough for the free tv licence!!!!!

 

Tonyg3nwl

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