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E106 treatment refusal?

E106 treatment refusal?

Old Oct 21st 2010, 7:19 am
  #16  
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Default Re: E106 treatment refusal?

Originally Posted by Fred James
I think you will find that you have to declare any surgical procedure that you have ever had and, yes, it will be considered a pre existing condition even if it is now fixed.
I can agree with that from personal experience. ... and you may find you have a fight on your hands in the future if for example anything else has to be done to that ear (even if it appears totally unrelated), or something similar happens to the other one!
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Old Oct 21st 2010, 7:28 am
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Default Re: E106 treatment refusal?

Originally Posted by porque no
Linda, remember that you don't have to disclose any pre existing conditions. It's up to you. Just remember though that you can't claim for anything that "they" say could be related to a non disclosed pre ex condition?
You are basically lying by omission if you do not disclose your health record.

Remember that non disclosure of material facts to an insurance company can give them the right to revoke the policy.

In other words if you fail to tell them about a 10 year old ingrowing toenail operation, they could refuse treatment for a completely unrelated life threatening, not pre-existing, illness.
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Old Oct 21st 2010, 7:35 am
  #18  
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Default Re: E106 treatment refusal?

Our travel ins co made it clear to us that we didn't have to disclose anything. However they will consult your Doctor for any claim you make & if it's for something that could be constrewd as pre existing then they won't pay out.
So when i said in an earlier post that you have to disclose everything that is if you want to be covered for it.
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Old Oct 21st 2010, 7:52 am
  #19  
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Default Re: E106 treatment refusal?

Originally Posted by Fred James
You are basically lying by omission if you do not disclose your health record.

Remember that non disclosure of material facts to an insurance company can give them the right to revoke the policy.

In other words if you fail to tell them about a 10 year old ingrowing toenail operation, they could refuse treatment for a completely unrelated life threatening, not pre-existing, illness.
I administer a BUPA Healthcare Policy on behalf of the Company I work for in the UK, and Fred is right - non-disclosure of anything, however trivial, gives them the right to revoke the policy and not pay up. You have to read the smallest of small print!
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Old Oct 21st 2010, 8:42 am
  #20  
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Default Re: E106 treatment refusal?

Yes Fred is correct, I know some people who have fallen foul of the small print and have been presented with large bills. Even if it's not related they will not pay out if something however trivial is not declared. Most companies have a list of illnesses/diseases that should be declared and most ask if you have had surgery within the last x years.
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