 Poster: A snowHead
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I have an existing annual winter sports & mountaineering policy, which I'm quite happy with. However, because of this drafted new virus, my GP wants to add in further medication for what has until now been a stable and low-medicated condition, and that might then trigger a policy clause which means that they won't any longer cover that condition. (I haven't yet checked with the company in person, but the policy wording certainly suggests a problem - a simple exclusion, no ability to pay extra for more cover.)
Their website advice is that separate policies can be purchased from elsewhere to cover the preexisting condition which they may or won't now cover.
I have several conditions which I take medication for, but only one of them might not be covered, so I only want selective cover for that one condition. I don't need baggage or any other cover, bar cancellation and unexpectedly severe illness whilst abroad. (I could just take the risk, and in Europe this year there is the EHIC unless things were very dire, but I am averse to Sod's Law if I can help it...)
So, any ideas/suggestions for this required additional selective add-on condition insurers? (I've always previously either had to declare and pay extra for all conditions, or got away without having to declare any at all.) And given that any potential 'flare up' wouldn't be affected per se by doing winter or summer sports, can I get away with a non WS/specialist activity policy?
Thanks.
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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And given that any potential 'flare up' wouldn't be affected per se by doing winter or summer sports
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Then why are you bothering to insure against it?
Taking a heart condition of some type as an example - insuring makes sense because it could be an issue in and of itself, but could also contribute to a fall and potential physical injuries. Dermatitis on the other hand (no pun intended), is unlikely to require in-resort treatment, and is unlikely to add risk to skiing. So I would advise of the condition but not cover for it.
Does your condition falls into the latter category?
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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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It is a condition, like your suggested heart issue, which could have significant or life threatening effects, just isn't caused specifically by any activities - i.e. no specific need for winter sports or altitude mountaineering cover over and above 'lying on the beach' cover (but wondering how that translates if you are on a specific winter sports holiday).
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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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Personally given the amount in question I would just ring up and see what they say. If you were (heaven forbid) to have a bad accident and somehow the new meds affected something i.e. they couldn't give you the right pain relief and were given weird expensive drugs instead (random example) when the insurance reviews it they may question it and it could all end up with a very big bill for the sake of £10/20/30 which is small fly in the grand scheme of a holiday.
You would still need to inform your main insurer first as it is a change in situation - they may cover it or not. If not they might have some advice on who might be able to.
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