 Poster: A snowHead
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I'm about to renew my insurance and the dreaded medical questions need to be completed
While I have been referred to a specialist the conclusion was that I am not injured/sick. I had an MRI and it shows wear and tear as expected in a person of my age.
So I guess if the question comes up, what advice to people give based on past experience?
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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| kioksor wrote: |
| that I am not injured/sick. |
if thats what the experts say....what else is there?
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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?
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@kioksor, If it comes up tell them, as it will remove any reason for them not to cover you in the event of a claim. Small price to pay, if they increase the premium, against a potentially large bill. Worst case they might not cover the specific reason of your visit.
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You need to Login to know who's really who.
You need to Login to know who's really who.
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Snowcard don't seem to like skiers with age related problems. I no longer use them, I switched to MPI Brokers.
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Anyway, snowHeads is much more fun if you do.
Anyway, snowHeads is much more fun if you do.
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| snowbunny wrote: |
| Snowcard don't seem to like skiers with age related problems. I no longer use them, I switched to MPI Brokers. |
Indeed MPI have a very sensible medical declaration.
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You'll need to Register first of course.
You'll need to Register first of course.
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I have back and neck problems and had an MRI and other tests about a year ago as my sciatica had almost crippled me. I completed the InsureAndGo medical declaration and added in the back and neck issues along with high blood pressure and cholestoral. They are covering me for all these conditions for an additional premium of £52. A small price to pay for piece of mind.
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I've got a few knee related issues, I told them the details and no change to premium. I'd be honest and shop around
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| Quote: |
I'd be honest and shop around
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+1
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You'll get to see more forums and be part of the best ski club on the net.
You'll get to see more forums and be part of the best ski club on the net.
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I had very good results when declaring a pre-existing condition to MPI Brokers. They had a practical, helpful and inexpensive approach.
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its mpi in question. I guess I will have to give them a call :/
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snowHeads are a friendly bunch.
snowHeads are a friendly bunch.
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I use ski-insurance.co.uk. They picked up every penny of my bills when I ripped my ACL two years ago and I have used them twice since (with my knee issues fully-declared). The extra premium for an existing condition is almost negligible.
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And love to help out and answer questions and of course, read each other's snow reports.
And love to help out and answer questions and of course, read each other's snow reports.
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Whatever you do, don't use the AA, they are dreadful when it comes to claims. Claims often go to an entirely separate claims handling subsidiary or outsourcer, whose job is to verify the truth of your declaration. So be honest, as some claims handlers are absolutely out to find even the slightest excuse to invalidate your claim due to a prior condition. I had a significant condition that I thought would cost a fortune, but it turned out to increase the premium by only £20/year, which seemed reasonable to me.
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Direct line home insurance gives free worldwide insurance incl wintersports as part of plan. No problem when I spoke to them about test I was having which they classed as a pre existing medical condition but didnt make an issue of it.
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You know it makes sense.
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MPI absolutely the best for young and old.
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Otherwise you'll just go on seeing the one name:
Otherwise you'll just go on seeing the one name:
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DEFINITELY you need to tell them. Especially when it comes to back problems. Otherwise, if you something terrible happened and you ended up paralysed you would not be covered, and you and your family could end up penniless.
As an aside I have a friend who had a sore back following a ski injury a few years ago, it was slowly improving with physio (and not that bad in any case). It was suggested to him that he may have had a fracture originally, and that he could undergo an MRI, but it wouldn't be likely to change the management, it would still be physio. Strongly advised him not to have the scan, as should it show a fracture, he would be declaring it for the rest of his life! Pleased to say he is now pain free
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Poster: A snowHead
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| boarderpatrol wrote: |
| Direct line home insurance gives free worldwide insurance incl wintersports as part of plan. No problem when I spoke to them about test I was having which they classed as a pre existing medical condition but didnt make an issue of it. |
Unfortunately, I'd guess that this is very limited insurance and won't provide adequate cover for many (most) people. For example, if they say you're not covered for off piste, that includes not being covered for skiing slightly off into the interesting soft stuff just off the side of the piste. This is by no means something only experts do, as many instructors will do this with early intermediate groups.
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