 Poster: A snowHead
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| esaw1 wrote: |
This is the reply that I've just received from the SCGB;
"To clarify:
If you had any pre-existing medical conditions to declare last year, then you need to undergo medical screening again, even if those medical conditions have not changed.
If you did not have any pre-existing medical conditions to declare last year, and nothing has changed since then, you do not have to undergo medical screening.
This is standard practice with annual insurance policies.
....".
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The seemingly innocuous phrase "... and nothing has changed since then ..." is likely to include at least the following: that over the past year anyone covered under the policy has not been prescribed any regular medication, or been referred to a specialist or consultant, or is awaiting any test results, treatment, or hospital appointments. And perhaps also that no non-covered close relatives have developed any medical conditions - which is particularly tricky, as I may not even know! (Many of the Trustpilot complaints above relate to this point, but since TIF specifically exclude cancellation / curtailment claims for pre-existing conditions of a non-travelling close relative etc it isn't surprising that if someone tries to claim under this heading they will investigate).
The other tricky point missed by many is that if your health or any medication changes in any way, after renewal but prior to travel, most policies, including SCGB/TIF, oblige you to let them know. At which point they can increase the premium or excess, exclude the condition, or even withdraw cover - although they probably have to act reasonably!
Travel insurance is an annual policy, like motor insurance, so I'm not too surprised to be asked the same questions afresh each year, even if many of those questions relate to illnesses or treatments received many years ago, and so are repeated. But I agree that this can make "insurance included" membership deals more awkward at renewal. One complication is that even if something specific has been disclosed in the past, that disclosure may have been to a medical underwriting specialist and the details are deliberately not made available to the people handling standard renewals. Would you want your medical details to be available to all and sundry at SCGB, or even at TIF?
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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| mitcva wrote: |
Perhaps SCGB can give us a quick response to the following:
1. Is data obtained in relation to SCGB insurance sales or medical screening shared with any entity other than SCGB?
2. How is SCGB going about achieving the intention, as stated in the annual report, of achieving a greater financial contribution from insurance?
4. What exactly is meant by the "500 per cent increase in brokerage" mentioned on TIF's website? |
The more pertinent question here old boy, is what the devil has happened to question 3?
The public has a right to know.
This could be a scandal in the making.
Good to see Gerry doing what he ought and not being an oik for once. Some said he wasn't able. Good show!
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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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I think my wide nicked it...
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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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So an update.
1) Spoke to alternate well known and regarded (here) insurance company. Spoke to a sales guy, says apply on line, quote the injury and the assessors will get back, normally within 24 hours. Applied, paid £305 for annual worldwide! Stated injury. No response. I called back 1 week later. Advised that I had missed completing a second screening form. 5 minutes later, an email saying I am covered, except my knee!!! Now not being funny, but this is a ski specialist insurer. Think insurance excluding a knee is not ski insurance to me!!!
2) Called said company. Spoke to ....... She says of course they can't insure the knee!! So I say, "Can you not just put a big excess on it, say £2,000?" "No. There is no point in insurance with a £2k excess" Me, "Err I think there is. I have had the injury on my other knee. Skied 6 weeks later, no issues. Now, if I am in Canada and get rescued off the mountain and then need medical treatment in Canada, and then a private evac back to the UK, £2k is going to be a bargain!" Answer " I have had the operation myself, I could not ski, or do anything for 6 months, so we will not insure your knee!"
3) So, now I ask for (and get back very quickly) my money. Will now never go to ........
4) So tail between legs go back to SCGB insurer. Spoke to someone else. Massively different experience. Naturally full disclosure of the injury and timescales. Now insured for £60 a year extra, with a £350 excess on the knee. Result!!!! Shows experience can be pot luck, but thumbs up for SCGB!!!! (Big back track there hey)
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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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@PeterGee, Thanks for the update on this.
I think this shows what this place is all about!
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You'll need to Register first of course.
You'll need to Register first of course.
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We just renewed SCGB ins as we are away for 33 days in one trip loads of companies would cover 31 days but 33 ......
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Insurance in the UK is a bit of a nightmare these days, especially with the FCA being all over the sales guys. They need to follow a set script for numerous things, regardless of whether or not you already know the information.
Quick questions regarding MPI... looking at a quote online for skiing off piste without a guide - I've ticked that box - in the chance that an evac and rescue was required, does the amount of cover just fall under 'Emergency Medical, Repatriation & Associated Expenses'?
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FAQ