Reply To: Travel insurance not what it seems

[ed_fly]

JDB wrote:

@ed_fly – yes, statins are very frequently prescribed to patients without hypertension. There will be a certain number of people who take both but the category of patient is neither mutually inclusive or exclusive. There’s quite a range of people who might take either for unexplained or lifestyle or hereditary reasons. While it’s not relevant to your point, perhaps the biggest problem with hypertension is that it is undiagnosed in so many patients; hopefully it is diagnosed at a check up rather than in crisis but remarkably few people have check ups even when offered free on the NHS from ? age 40. Those people would be covered but in principle are at greater risk, but others whose condition is diagnosed, managed and has been controlled for years are not.

@HampshireHog – yes, medical is entirely unaffected on Nationwide policies, but unlike Amex Plat or HSBC Premier, you are required to disclose pre-existing conditions which they will then agree to cover for free or at a cost or decline to cover while preserving your overall cover. The issue of miles/Avios etc not being covered is very complex, but I wouldn’t read it literally and I wouldn’t wish to proffer any advice but I am very relaxed personally about being able to claim successfully in the very narrow window they claim is excluded.

I’m no expert with regard to insurance, but does seem odd that two people with the same condition, one effectively monitored and managed is excluded from an insurance policy, the other simply unaware is covered.