Insurance fails to pay up.
Oct 3rd 2004, 12:50 am
#31
Guest
Posts: n/a
Re: Insurance fails to pay up.
> >You don't need to ask them for a medical history - the insurance companies
> >say "If you could reasonably have known..."
>
> One size doesn't fit all.
I only comment for the ones I've actually dealt with. Funnily enough, we
don't sell the Post Office's insurance :)
Hilary
> >say "If you could reasonably have known..."
>
> One size doesn't fit all.
I only comment for the ones I've actually dealt with. Funnily enough, we
don't sell the Post Office's insurance :)
Hilary
Oct 3rd 2004, 1:35 am
#32
Guest
Posts: n/a
Re: Insurance fails to pay up.
> You don't need to ask them for a medical history - the insurance companies
> say "If you could reasonably have known..." So if you *know* that your
> colleague has been very ill/has a recurring illness then you'd need to
> declare it. If there's something but they haven't told anyone about it,
> then there's no reasonable way you could have known.
> Hilary
Interestingly, I have a close relative (covered under the list in my annual
multi-trip policy) who has been diagnosed with cancer, AFTER I took out the
policy. Since knowing of the diagnosis I have booked travel, Would they
cover me if I needed to return ??
> say "If you could reasonably have known..." So if you *know* that your
> colleague has been very ill/has a recurring illness then you'd need to
> declare it. If there's something but they haven't told anyone about it,
> then there's no reasonable way you could have known.
> Hilary
Interestingly, I have a close relative (covered under the list in my annual
multi-trip policy) who has been diagnosed with cancer, AFTER I took out the
policy. Since knowing of the diagnosis I have booked travel, Would they
cover me if I needed to return ??
Oct 3rd 2004, 2:24 am
#33
Guest
Posts: n/a
Re: Insurance fails to pay up.
In message <[email protected]>, at 09:35:30 on Sun, 3 Oct
2004, Miss L. Toe <[email protected]> remarked:
>Interestingly, I have a close relative (covered under the list in my annual
>multi-trip policy) who has been diagnosed with cancer, AFTER I took out the
>policy. Since knowing of the diagnosis I have booked travel, Would they
>cover me if I needed to return ??
It will probably vary. The Post Office insurance (the one this thread is
about!) says:
"If there is a change in your health (after you have taken out
this insurance or booked, but before you travel) and you can no
longer agree with the declaration, you must contact the Post
Officeâ„¢ Medical Screening Line immediately on 08701 212 962
quoting Scheme code PTS1. They will tell you if the change in
your health will affect your insurance cover."
Where "you" is "every insured person".
But if they aren't travelling, and it's merely someone whose illness
might make you cancel, perhaps they'd come under the:
"If, at the time of taking out this insurance (or booking the
trip if this was later) your close relative or business
associate had a medical condition...<that would include this>"
Although there's no accompanying words about the Medical Screening Line,
which tends to suggest they won't negotiate.
--
Roland Perry
2004, Miss L. Toe <[email protected]> remarked:
>Interestingly, I have a close relative (covered under the list in my annual
>multi-trip policy) who has been diagnosed with cancer, AFTER I took out the
>policy. Since knowing of the diagnosis I have booked travel, Would they
>cover me if I needed to return ??
It will probably vary. The Post Office insurance (the one this thread is
about!) says:
"If there is a change in your health (after you have taken out
this insurance or booked, but before you travel) and you can no
longer agree with the declaration, you must contact the Post
Officeâ„¢ Medical Screening Line immediately on 08701 212 962
quoting Scheme code PTS1. They will tell you if the change in
your health will affect your insurance cover."
Where "you" is "every insured person".
But if they aren't travelling, and it's merely someone whose illness
might make you cancel, perhaps they'd come under the:
"If, at the time of taking out this insurance (or booking the
trip if this was later) your close relative or business
associate had a medical condition...<that would include this>"
Although there's no accompanying words about the Medical Screening Line,
which tends to suggest they won't negotiate.
--
Roland Perry
Oct 3rd 2004, 2:27 am
#34
Guest
Posts: n/a
Re: Insurance fails to pay up.
On Sun, 3 Oct 2004 09:35:30 -0400, "Miss L. Toe"
<[email protected]> wrote:
>> You don't need to ask them for a medical history - the insurance companies
>> say "If you could reasonably have known..." So if you *know* that your
>> colleague has been very ill/has a recurring illness then you'd need to
>> declare it. If there's something but they haven't told anyone about it,
>> then there's no reasonable way you could have known.
>> Hilary
>Interestingly, I have a close relative (covered under the list in my annual
>multi-trip policy) who has been diagnosed with cancer, AFTER I took out the
>policy. Since knowing of the diagnosis I have booked travel, Would they
>cover me if I needed to return ??
Probably not as it's required of your contract (in the UK at least)
that you keep them informed them of all material facts that affect the
contract.
<[email protected]> wrote:
>> You don't need to ask them for a medical history - the insurance companies
>> say "If you could reasonably have known..." So if you *know* that your
>> colleague has been very ill/has a recurring illness then you'd need to
>> declare it. If there's something but they haven't told anyone about it,
>> then there's no reasonable way you could have known.
>> Hilary
>Interestingly, I have a close relative (covered under the list in my annual
>multi-trip policy) who has been diagnosed with cancer, AFTER I took out the
>policy. Since knowing of the diagnosis I have booked travel, Would they
>cover me if I needed to return ??
Probably not as it's required of your contract (in the UK at least)
that you keep them informed them of all material facts that affect the
contract.
Oct 3rd 2004, 4:00 am
#35
Guest
Posts: n/a
Re: Insurance fails to pay up.
> > You don't need to ask them for a medical history - the insurance companies
> > say "If you could reasonably have known..." So if you *know* that your
> > colleague has been very ill/has a recurring illness then you'd need to
> > declare it. If there's something but they haven't told anyone about it,
> > then there's no reasonable way you could have known.
>
> Interestingly, I have a close relative (covered under the list in my annual
> multi-trip policy) who has been diagnosed with cancer, AFTER I took out the
> policy. Since knowing of the diagnosis I have booked travel, Would they
> cover me if I needed to return ??
Probably not, as at that point it is a pre-existing condition (i.e. you
knew about it when you booked the travel) but it's always worth checking
with them just in case.
Hilary
> > say "If you could reasonably have known..." So if you *know* that your
> > colleague has been very ill/has a recurring illness then you'd need to
> > declare it. If there's something but they haven't told anyone about it,
> > then there's no reasonable way you could have known.
>
> Interestingly, I have a close relative (covered under the list in my annual
> multi-trip policy) who has been diagnosed with cancer, AFTER I took out the
> policy. Since knowing of the diagnosis I have booked travel, Would they
> cover me if I needed to return ??
Probably not, as at that point it is a pre-existing condition (i.e. you
knew about it when you booked the travel) but it's always worth checking
with them just in case.
Hilary
Oct 3rd 2004, 6:30 am
#36
Guest
Posts: n/a
Re: Insurance fails to pay up.
Much simpler to get a policy that will cover preexisting conditions.
Hilary wrote:
>>>You don't need to ask them for a medical history - the insurance companies
>>>say "If you could reasonably have known..." So if you *know* that your
>>>colleague has been very ill/has a recurring illness then you'd need to
>>>declare it. If there's something but they haven't told anyone about it,
>>>then there's no reasonable way you could have known.
>>Interestingly, I have a close relative (covered under the list in my annual
>>multi-trip policy) who has been diagnosed with cancer, AFTER I took out the
>>policy. Since knowing of the diagnosis I have booked travel, Would they
>>cover me if I needed to return ??
>
>
> Probably not, as at that point it is a pre-existing condition (i.e. you
> knew about it when you booked the travel) but it's always worth checking
> with them just in case.
>
> Hilary
>
Hilary wrote:
>>>You don't need to ask them for a medical history - the insurance companies
>>>say "If you could reasonably have known..." So if you *know* that your
>>>colleague has been very ill/has a recurring illness then you'd need to
>>>declare it. If there's something but they haven't told anyone about it,
>>>then there's no reasonable way you could have known.
>>Interestingly, I have a close relative (covered under the list in my annual
>>multi-trip policy) who has been diagnosed with cancer, AFTER I took out the
>>policy. Since knowing of the diagnosis I have booked travel, Would they
>>cover me if I needed to return ??
>
>
> Probably not, as at that point it is a pre-existing condition (i.e. you
> knew about it when you booked the travel) but it's always worth checking
> with them just in case.
>
> Hilary
>
Oct 3rd 2004, 7:05 am
#37
Guest
Posts: n/a
Re: Insurance fails to pay up.
"Frank F. Matthews" <[email protected]> wrote in message
news:[email protected]...
> Much simpler to get a policy that will cover preexisting conditions.
Ah but this wasn't a preexisting condition at the time the policy was taken
out. (Which was really the point of my question)
Well possibly it was and possibly it wasn't, none knows.
> Hilary wrote:
> >>>You don't need to ask them for a medical history - the insurance
companies
> >>>say "If you could reasonably have known..." So if you *know* that your
> >>>colleague has been very ill/has a recurring illness then you'd need to
> >>>declare it. If there's something but they haven't told anyone about
it,
> >>>then there's no reasonable way you could have known.
> >>
> >>Interestingly, I have a close relative (covered under the list in my
annual
> >>multi-trip policy) who has been diagnosed with cancer, AFTER I took out
the
> >>policy. Since knowing of the diagnosis I have booked travel, Would they
> >>cover me if I needed to return ??
> >
> >
> > Probably not, as at that point it is a pre-existing condition (i.e. you
> > knew about it when you booked the travel) but it's always worth checking
> > with them just in case.
> >
> > Hilary
> >
news:[email protected]...
> Much simpler to get a policy that will cover preexisting conditions.
Ah but this wasn't a preexisting condition at the time the policy was taken
out. (Which was really the point of my question)
Well possibly it was and possibly it wasn't, none knows.
> Hilary wrote:
> >>>You don't need to ask them for a medical history - the insurance
companies
> >>>say "If you could reasonably have known..." So if you *know* that your
> >>>colleague has been very ill/has a recurring illness then you'd need to
> >>>declare it. If there's something but they haven't told anyone about
it,
> >>>then there's no reasonable way you could have known.
> >>
> >>Interestingly, I have a close relative (covered under the list in my
annual
> >>multi-trip policy) who has been diagnosed with cancer, AFTER I took out
the
> >>policy. Since knowing of the diagnosis I have booked travel, Would they
> >>cover me if I needed to return ??
> >
> >
> > Probably not, as at that point it is a pre-existing condition (i.e. you
> > knew about it when you booked the travel) but it's always worth checking
> > with them just in case.
> >
> > Hilary
> >
Oct 3rd 2004, 7:09 am
#38
Guest
Posts: n/a
Re: Insurance fails to pay up.
In message <[email protected]>, at 18:30:56 on Sun,
3 Oct 2004, Frank F. Matthews <[email protected]> remarked:
>Much simpler to get a policy that will cover preexisting conditions.
Available from the Porcine Aviator Insurance Co?
--
Roland Perry
3 Oct 2004, Frank F. Matthews <[email protected]> remarked:
>Much simpler to get a policy that will cover preexisting conditions.
Available from the Porcine Aviator Insurance Co?
--
Roland Perry
Oct 3rd 2004, 8:21 am
#39
Guest
Posts: n/a
Re: Insurance fails to pay up.
"Hilary" <[email protected]> wrote in message
news:[email protected]...
>> so next time i go on a summer ibizia holiday it dont really matter
if i have
>> insurance or not....... if it get invalidated then i may as well
save my £40
>> and not buy it.
>If you get drunk and
[snip]
>Just try not to injure yourself or lose anything while
>drinking.
[snip]
Interesting how you English equate "drinking" and "get drunk"
news:[email protected]...
>> so next time i go on a summer ibizia holiday it dont really matter
if i have
>> insurance or not....... if it get invalidated then i may as well
save my £40
>> and not buy it.
>If you get drunk and
[snip]
>Just try not to injure yourself or lose anything while
>drinking.
[snip]
Interesting how you English equate "drinking" and "get drunk"
Oct 3rd 2004, 3:26 pm
#40
Guest
Posts: n/a
Re: Insurance fails to pay up.
Miss L. Toe wrote:
> "Frank F. Matthews" <[email protected]> wrote in message
> news:[email protected]...
>
>>Much simpler to get a policy that will cover preexisting conditions.
My point is that if the policy covers preexisting conditions then there
is nothing to argue about.
> Ah but this wasn't a preexisting condition at the time the policy was taken
> out. (Which was really the point of my question)
>
> Well possibly it was and possibly it wasn't, none knows.
>>Hilary wrote:
>>>>>You don't need to ask them for a medical history - the insurance
>
> companies
>
>>>>>say "If you could reasonably have known..." So if you *know* that your
>>>>>colleague has been very ill/has a recurring illness then you'd need to
>>>>>declare it. If there's something but they haven't told anyone about
>
> it,
>
>>>>>then there's no reasonable way you could have known.
>>>>Interestingly, I have a close relative (covered under the list in my
>
> annual
>
>>>>multi-trip policy) who has been diagnosed with cancer, AFTER I took out
>
> the
>
>>>>policy. Since knowing of the diagnosis I have booked travel, Would they
>>>>cover me if I needed to return ??
>>>Probably not, as at that point it is a pre-existing condition (i.e. you
>>>knew about it when you booked the travel) but it's always worth checking
>>>with them just in case.
>>>Hilary
>
>
> "Frank F. Matthews" <[email protected]> wrote in message
> news:[email protected]...
>
>>Much simpler to get a policy that will cover preexisting conditions.
My point is that if the policy covers preexisting conditions then there
is nothing to argue about.
> Ah but this wasn't a preexisting condition at the time the policy was taken
> out. (Which was really the point of my question)
>
> Well possibly it was and possibly it wasn't, none knows.
>>Hilary wrote:
>>>>>You don't need to ask them for a medical history - the insurance
>
> companies
>
>>>>>say "If you could reasonably have known..." So if you *know* that your
>>>>>colleague has been very ill/has a recurring illness then you'd need to
>>>>>declare it. If there's something but they haven't told anyone about
>
> it,
>
>>>>>then there's no reasonable way you could have known.
>>>>Interestingly, I have a close relative (covered under the list in my
>
> annual
>
>>>>multi-trip policy) who has been diagnosed with cancer, AFTER I took out
>
> the
>
>>>>policy. Since knowing of the diagnosis I have booked travel, Would they
>>>>cover me if I needed to return ??
>>>Probably not, as at that point it is a pre-existing condition (i.e. you
>>>knew about it when you booked the travel) but it's always worth checking
>>>with them just in case.
>>>Hilary
>
>
Oct 3rd 2004, 6:50 pm
#41
Guest
Posts: n/a
Re: Insurance fails to pay up.
> >> so next time i go on a summer ibizia holiday it dont really matter
> if i have
> >> insurance or not....... if it get invalidated then i may as well
> save my £40
> >> and not buy it.
>
> >If you get drunk and
> [snip]
> >Just try not to injure yourself or lose anything while
> >drinking.
> [snip]
>
> Interesting how you English equate "drinking" and "get drunk"
English? Never mind.
As far as insurance can be concerned, even *1* drink can invalidate your
claim if you then do something stupid (fall over a balcony, fall off a
moped, etc.) which can be considered at least partially a result of the
alcohol.
(I was also replying to a previous poster talking about holidays in Ibiza
- not particularly known for its family alcohol-free holidays...)
Hilary
> if i have
> >> insurance or not....... if it get invalidated then i may as well
> save my £40
> >> and not buy it.
>
> >If you get drunk and
> [snip]
> >Just try not to injure yourself or lose anything while
> >drinking.
> [snip]
>
> Interesting how you English equate "drinking" and "get drunk"
English? Never mind.
As far as insurance can be concerned, even *1* drink can invalidate your
claim if you then do something stupid (fall over a balcony, fall off a
moped, etc.) which can be considered at least partially a result of the
alcohol.
(I was also replying to a previous poster talking about holidays in Ibiza
- not particularly known for its family alcohol-free holidays...)
Hilary
Oct 4th 2004, 3:23 am
#42
Guest
Posts: n/a
Re: Insurance fails to pay up.
Hi,
my insurance (through my employer, the State Medical School) convers
pre-existing conditions from day 1.
Roland Perry wrote:
> In message <[email protected]>, at 18:30:56 on Sun,
> 3 Oct 2004, Frank F. Matthews <[email protected]> remarked:
>
>> Much simpler to get a policy that will cover preexisting conditions.
>
>
> Available from the Porcine Aviator Insurance Co?
my insurance (through my employer, the State Medical School) convers
pre-existing conditions from day 1.
Roland Perry wrote:
> In message <[email protected]>, at 18:30:56 on Sun,
> 3 Oct 2004, Frank F. Matthews <[email protected]> remarked:
>
>> Much simpler to get a policy that will cover preexisting conditions.
>
>
> Available from the Porcine Aviator Insurance Co?
Oct 4th 2004, 4:06 am
#43
Guest
Posts: n/a
Re: Insurance fails to pay up.
In message <[email protected]>, at 10:23:58 on Mon, 4 Oct 2004,
anonymous <[email protected]> remarked:
>my insurance (through my employer, the State Medical School) convers
>pre-existing conditions from day 1.
That's a huge corporate scheme, and doesn't count. We are talking about
individuals buying on the spot market.
But sounds like a good place to get a job if you have a long term
illness.
--
Roland Perry
anonymous <[email protected]> remarked:
>my insurance (through my employer, the State Medical School) convers
>pre-existing conditions from day 1.
That's a huge corporate scheme, and doesn't count. We are talking about
individuals buying on the spot market.
But sounds like a good place to get a job if you have a long term
illness.
--
Roland Perry
Oct 4th 2004, 5:26 am
#44
Guest
Posts: n/a
Re: Insurance fails to pay up.
We could speculate on just what sort of reasons might invalidate a
claim for injuries from falling from a balcony, but I wouldn't want to
add insult to injury....
On Fri, 1 Oct 2004 19:34:50 -0400, "Miss L. Toe"
<[email protected]> wrote:
>OK I don't know the details but this doesn't sound very nice:
claim for injuries from falling from a balcony, but I wouldn't want to
add insult to injury....
On Fri, 1 Oct 2004 19:34:50 -0400, "Miss L. Toe"
<[email protected]> wrote:
>OK I don't know the details but this doesn't sound very nice:
Oct 4th 2004, 6:18 am
#45
Guest
Posts: n/a
Re: Insurance fails to pay up.
<[email protected]> wrote in message
news:[email protected]...
> On Sun, 3 Oct 2004 09:35:30 -0400, "Miss L. Toe"
> <[email protected]> wrote:
[snip]
> >Interestingly, I have a close relative (covered under the list in
my annual
> >multi-trip policy) who has been diagnosed with cancer, AFTER I took
out the
> >policy. Since knowing of the diagnosis I have booked travel, Would
they
> >cover me if I needed to return ??
> Probably not as it's required of your contract (in the UK at least)
> that you keep them informed them of all material facts that affect
the
> contract.
Not between renewals usually IME
(uk.legal added)
news:[email protected]...
> On Sun, 3 Oct 2004 09:35:30 -0400, "Miss L. Toe"
> <[email protected]> wrote:
[snip]
> >Interestingly, I have a close relative (covered under the list in
my annual
> >multi-trip policy) who has been diagnosed with cancer, AFTER I took
out the
> >policy. Since knowing of the diagnosis I have booked travel, Would
they
> >cover me if I needed to return ??
> Probably not as it's required of your contract (in the UK at least)
> that you keep them informed them of all material facts that affect
the
> contract.
Not between renewals usually IME
(uk.legal added)
