OK, here we go. Results are in.

[Amigo]

Would that only matter if it were a Diabetes-related claim though? @trophywench would be my go-to guru for all things insurance-fine-print so I really don’t have the first idea, except that I must have the world’s worst record for successful insurance claims. I’ve not managed to get anything back for the last 28 years, no matter how insurancey it seemed to be to me!

Ooo nooo everydays. You have to declare all pre-existing conditions or medical issues you’ve consulted a medic about in X amount of time (or at least you do on my travel insurance policy).
When I fell on holiday and caused a fracture and bad shoulder damage, the question was, ‘were you suffering from diabetic related dizziness’ even though I don’t suffer hypos and it was totally unrelated. Insurance companies will always try to tie it into something you have been foolish enough to omit or not insure for!

It’s never an idea to omit any medical condition from the near past but genuinely I don’t know if the notion of being discharged from the Diabetic Register exists in a formal, legal type sense.

 

[trophywench]

Mmmm - Travel insurance! - they do try to get out of everything I agree.

I'd have had to write back and ask them for the medical definition of 'diabetic dizziness' - they'd have to do that because it isn't a term I've ever heard of before in my life so I cannot answer that question. If they did send something - the answer would still be No of course - but why on earth make their life any easier?

Doctor's don't take people's lives into consideration when they trot out such daft statements as 'I'll take you off the Diabetes Register' - What Diabetes Register, what on earth is it, since when have I been on it and when was I told you were putting me on it? What purpose does it serve?

 

[Northerner]

Would that only matter if it were a Diabetes-related claim though? @trophywench would be my go-to guru for all things insurance-fine-print so I really don’t have the first idea, except that I must have the world’s worst record for successful insurance claims. I’ve not managed to get anything back for the last 28 years, no matter how insurancey it seemed to be to me!

I managed to get a refund on my travel insurance (eventually!) for my flight and hotel, because I was in hospital getting diagnosed when I was due to fly out. I say 'eventually', because it took them a couple of months of ducking and diving before I finally threatened them with a formal complaint. At that time once a company had a certain number of formal complaints they would be investigated by the FSA (now FCA) - they ended up ringing me very promptly after that, with a phone call from a quite desperate-sounding person on a Sunday to sort it out. I'm guessing they were very close to their quota of complants 😱 🙂

 

[Grogg1]

I declare everything for travel insurance purposes - I have it "free" with Nationwide bank. I ring them to inform them I was treated for BC two years ago, broke my foot a few months later and now I have diabetes. They say if I ma free from treatment for over 12 months I don't need to tell them but I'm telling them as I want no get out clauses for them. They never add to my premium.

 

[SB2015]

It seems to matter how many pills you take, as to which price bracket you fall into. I also declare everything. Not much point in having insurance if you are not covered because you you failed to declare. I am then on a strong base for claiming if necessary. Only time I have had to claim was for a supply of insulin after it froze in the fridge on the first day of a months holiday in USA

 

[SB2015]

Sorry this was Mark's celebration that has been hijacked.

WELL DONE Mark. I am not surprised that they did no other tests. With the care you take to get such good results you are probably one of their healthier patients.

 

[Mark Parrott]

Don't worry about the hijacking. It's all relevant, really.🙂

 

[Steff]

Lovely result mark well done