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Pre-existing medical condition

2 REPLIES 2
Lakeslover
Member

Re: Pre-existing medical condition

If your visit to your doctor was because you had a lump or other symptoms, were refered by your GP to a specialist and then diagnosed with BC then yes, that first visit was before you took the cover and therefore you knew you had been referred and should have told them.

Equally if your doctors visit was unconnected, for example for a cold, you had not had any breast problems, then you had a routine mammogram it would not affect your cover.

Lynnq
Member

Re: Pre-existing medical condition

Hi.....i think that it may depend what you saw your GP for on the 20th Jan.....and what he put in your notes. Insurance companies are notorious for trying to get .out of paying up. If BC was 'suspected' before you booked they will drag their heels.....claiming that you were 'under investigation and had been referred at a specialist'....
I had a friend who went to the Insurance Ombudsman and they worked on her behalf and she was refunded. (Not BC related). They give advice and will contact the insurers free of charge....i would contact them

Another lady I know contacted her local radio and they came to her home and interviewed her....within hours of the broadcast she received a bunch of flowers and a cheque from the insurers.....
Netballnut
Member

Pre-existing medical condition

Visited my GP on January 20th 2013, paid a deposit of £250 for our summer holiday on 24th January 2013. I was diagnosed with bc on February 13th 2013. Our insurers told us to insure we were refunded the £250 that we should pay the rest of the deposit (a further £700). My husband checked with insurance company and travel company and we were told that we would be refunded the monies in full if I was unable to travel. I did not travel and now Santander are refusing to refund our deposit as I didn't declare that I had a pre-existing medical condition.
Just wondering if a visit to the GP renders a pre-existing medical condition even though I was not diagnosed by the hospital until February 13th???
I will be grateful of any help.