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Insurance post op
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Poster:
A snowHead
Poster:
A snowHead
Does anyone know or have experience of the effects on a) Ski Travel Insurance and b)Private Medical Insurance after a knee replacement (or other injury that affects skiing)in which the Surgeon advises one not to ski post op ?
Obviously
A snowHead
isn't a real person
Obviously
A snowHead
isn't a real person
brnttptr
, with private medical health care if you change provider they are likely to exclude operated area as it becomes a pre-existing condition.
Well, the person's real but it's just a made up name, see?
Well, the person's real but it's just a made up name, see?
If you have had recent injury or surgery you will need to declare it to your travel insurance company (even if they do not ask). If the surgeon has advised you not to ski then it is extremely unlikely that the travel insurance company will cover you.
Private medical insurance (like the NHS) may well be different - I once had to fix one young lad's broken nose 5 times in a row as he persisted in re-injuring it. His PMI put up no complaint (at least not in public). Of course your surgeon probably has a good reason for suggesting you do not ski again so soon, if you break it this may not be a good idea even if your PMI will pay to try and fix it again.
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brnttptr
, I was told after my knee op on October that I shouldn't ski or play hockey again by the consultant who operated. I spoke to my Physio who didn't agree with his prognosis, so as far as I am concerned the most recent medicl advise is that I am good to ski
However I was reading the T&Cs of my travel insurance and all that seemed concerned about was that you don't "travel" against medical advise. At no point was I told I couldn't travel. I also phoned the insurance company up to try and declare our pre-existing medical conditions in which I listed having the knee op and I was told I didn't need to but I suspect that may be peculiar to my travel insurance as it is via a work scheme and paid for via salary sacrifice.
Best bet is checks t&Cs carefully, phone up and declare the knee op, however I would be tempted to find another medical professional to discuss with what you can do.
Anyway, snowHeads is much more fun if you do.
Anyway, snowHeads is much more fun if you do.
stiffdrink & Nicky J
:Thanks for that . It's what I thought about the travel insurance but was not sure about the PMI so that's very useful . I have already organised a second opinion with a sports surgeon who informed me that skiing is possible after a partial knee op . If when I see him he also advises me not to ski then I will follow that advice.
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Poster: A snowHead
