BigDavyG

I know a good few doctors - some good doctors and good people, but a lot of moronic, egomaniac knobheads.
Ok, so its hardly a representative sample, but good enough for me.

Thydney

Actually the excess in management is a tory invention My missus worked as a nurse for the NHS I'm sure it was in excess of a 300% rise in management

TouristTrap

Well. Look at the costs of a medical degree here compared to the UK. I'd think they're much better off over there!

cindyabs

Then malpractice insurance wouldn't be an issue.

southern comfort

My youngest son also has a chronic condition since he was a child (Asthma)
but in his case, he was able to get his own insurance once he entered the work force. Guess thats why I asked about your son, and your worries about his future insurance.

Bob

not everyone is lucky enough to either find a proper job straight out of gradution, or if they do, have a place that offers medical to new hires straight off the bat, which often puts you out hippa protection when you do get new medical insurance.

snowbunny

Asthma is a condition that many children outgrow completely and for those who do not, often lessens in severity in adulthood. Every chronic condition has its own unique pattern of typical age of onset and typical course(s) of the illness over a lifetime.

Thydney

Thats not completely true it all depends on the triggers for attacks, the place you live all sorts can increase/decrease the severity age doesn't for a chronic asthmatic

snowbunny

Yes, I agree.... I said "many" though, not all.

And some of the factors that trigger attacks can be avoided -- eg allergens, cold air (yes, this induces asthma in me), moving away from pollution if possible. I'm not trying to make light of asthma -- it's horrid and it can kill -- but from an insurer's perspective it isn't going to be nearly as expensive as say, diabetes -- and no one grows out of Type I diabetes.

Tootsie Frickensprinkles

What's the situation with genetic conditions ... can they sting you on family history?

I presume group cover wouldn't matter, but what about individual policies?

Thydney

yes

leonatlanta

dont mention it. just tell them you hve no family history of any illnesses nor do you smoke and drink. please tell me you didnt tell them about previous family problems?

snowbunny

No wonder you've got such good affordable insurance cover!

leonatlanta

i actually told "them" that i have an occasional drink. my wife gave me an earful down the phone! people do not ever tell these insurance people about any health issues that they can not ever possibly know about. they are not your friends they are there to weed sick/unhealthy people/distant relatives out.

Tootsie Frickensprinkles

Think about that mate ... not real helpful when your doctors are trying to risk assess you is it?! It's also the quickest way to have insurance companies refuse to pay out.

And, not necessarily easy to pull off .. Oh, I dont know what my parents/brothers/sisters died of. Unless of course you really dont.

Oh, and I don't have to, I don't live in the US.