What is pre-existing ?

Status
Not open for further replies.

ashleyn

Established Member
Joined
Jun 16, 2006
Messages
1,207
Points
10
Hi all, I hope someone can clarify my situation.

At the start of the year I purchased an annual policy with no pre-existing conditions. A month or so ago, I had a retina tear that resulted in 2 operations. My specialist says I'm good to fly and the chance of a recurrence is very small. How do I stand with my insurance ? Do I need to declare this to be covered in the unlikely event of a problem during upcoming European trip ? Will they charge me more premiums ?

My experience of insurance companies is they have you by the proverbials every which way you go so I want to make sure I'm covered.
 
AMX001595_Travel-Insider_1100x260

straitman

Enthusiast
Moderator
Joined
Apr 27, 2003
Messages
17,839
Points
840
Qantas
LT Gold
Virgin
Gold
Hi all, I hope someone can clarify my situation.

At the start of the year I purchased an annual policy with no pre-existing conditions. A month or so ago, I had a retina tear that resulted in 2 operations. My specialist says I'm good to fly and the chance of a recurrence is very small. How do I stand with my insurance ? Do I need to declare this to be covered in the unlikely event of a problem during upcoming European trip ? Will they charge me more premiums ?

My experience of insurance companies is they have you by the proverbials every which way you go so I want to make sure I'm covered.
Surely if you already have the policy in place it cannot be seen as pre-existing? It certainly was not when you took out the policy.
 

Cynicor

Established Member
Joined
Jun 13, 2007
Messages
3,867
Points
700
As long as you had cover already, it is not pre-existing. You should be fine.
 

Pushka

Veteran Member
Joined
Jan 26, 2011
Messages
25,510
Solutions
4
Points
3,035
Qantas
Platinum
Virgin
Red
It is covered as not being pre existing if you needed to cancel. But I wonder if there is something in the T&C's where you have to notify them if an event occurs before you travel.
 
Vinomofo is the best wine deals site on the planet. Good wines, real people and epic deals, without all the bowties and bs.

AFF Supporters can remove this and all advertisements

turtlemichael

Established Member
Joined
May 24, 2006
Messages
2,009
Points
700
At the very least it is worth checking the terms and conditions to see if there is a clause which says you need to notify them of a significant change in your circumstances. In a dim part of my brain I seem to recall that this is a standard part of most insurance policies or even of insurance law principles. I stand to be corrected on that.
 

Hvr

Enthusiast
Joined
Jun 27, 2007
Messages
10,497
Solutions
3
Points
1,335
Qantas
Platinum
Knowing the insurance industry they'll find a way to deny cover if you travel and exacerbate the injury. But if you needed to cancel your next trip then surely you should be fine?

But!!!!! Don't rely on what we've speculated, get written confirmation from your insurance company as to what their opinion is and if you're covered should you travel.
 
D

Deleted member

Guest
Generally speaking you should be fine , but it can't hurt to advise the insurer. A lot of people don't realize that ALL yearly renewable policies have a clause relating to this. Your car insurer requires that when you renew your policy you "must" inform them of any changes. This includes ( but is not limited to) "moving violations" ( speeding tickets). Failure to go so is a breach, and can compromise any potential claim
 

ashleyn

Established Member
Joined
Jun 16, 2006
Messages
1,207
Points
10
Thanks all, a close read of the T&C today I think.
 
Status
Not open for further replies.
Top