cruisine21 Posted May 24, 2019 #1 Share Posted May 24, 2019 I’m waiting to see a specialist about a test result. Reading the 1Cover policy they say you need to disclose a pre existing condition if it’s under investigation. How do I disclose the pre existing condition if I don’t know what the condition is or it may be nothing.? Even if I see a specialist I probably won’t know what it is until I have further tests. Link to comment Share on other sites More sharing options...
GUT2407 Posted May 24, 2019 #2 Share Posted May 24, 2019 34 minutes ago, cruisine21 said: I’m waiting to see a specialist about a test result. Reading the 1Cover policy they say you need to disclose a pre existing condition if it’s under investigation. How do I disclose the pre existing condition if I don’t know what the condition is or it may be nothing.? Even if I see a specialist I probably won’t know what it is until I have further tests. If you being investigated for something you need to disclose it, really it’s that simple. lets say you had tests for cholesterol, and don’t disclose that fact, you then have a heart attack, insurance company looks at your records, not disclosed so claim denied. 1 Link to comment Share on other sites More sharing options...
cruisine21 Posted May 24, 2019 Author #3 Share Posted May 24, 2019 31 minutes ago, GUT2407 said: If you being investigated for something you need to disclose it, really it’s that simple. lets say you had tests for cholesterol, and don’t disclose that fact, you then have a heart attack, insurance company looks at your records, not disclosed so claim denied. The test was for cancer Link to comment Share on other sites More sharing options...
Docker123 Posted May 25, 2019 #4 Share Posted May 25, 2019 Noting, everyone’s circumstances are different ... The approach I am taking is that I have booked on a non-refundable deposit, cheaper than the insurance premium. I am in the midst of ct scans, blood tests, and scopings as a 12 month follow-up. All being well, I can proceed with getting insurance (depending upon the loading for pre-existing). If that is an major hurdle, or something else arises in the tests, I still have another 6-8 weeks before final payment. As Mr Gut indicated, you must disclose. The company may follow up with the docs or require Dr letters for a clearance. 1 Link to comment Share on other sites More sharing options...
GUT2407 Posted May 25, 2019 #5 Share Posted May 25, 2019 3 hours ago, cruisine21 said: The test was for cancer I hope it comes back clear, but even more important to declare. the costs of the cruise isn’t my issue, but the cost of medical or emergency evacuation (airlift etc) and repatriation back home, in fact that’s the primary reason I’m keeping my cruises to Australia for the foreseeable future Link to comment Share on other sites More sharing options...
GUT2407 Posted May 25, 2019 #6 Share Posted May 25, 2019 15 minutes ago, Docker123 said: Noting, everyone’s circumstances are different ... The approach I am taking is that I have booked on a non-refundable deposit, cheaper than the insurance premium. I am in the midst of ct scans, blood tests, and scopings as a 12 month follow-up. All being well, I can proceed with getting insurance (depending upon the loading for pre-existing). If that is an major hurdle, or something else arises in the tests, I still have another 6-8 weeks before final payment. As Mr Gut indicated, you must disclose. The company may follow up with the docs or require Dr letters for a clearance. That’s not a bad plan though my deposits are usually refundable as I said above it’s not the cost of the actual cruise (that money will be gone either way) but the costs of something going wrong. Link to comment Share on other sites More sharing options...
Rare MicCanberra Posted May 25, 2019 #7 Share Posted May 25, 2019 5 hours ago, cruisine21 said: The test was for cancer I hope it comes back clear. In any case, if you already have the insurance then you do not need to worry. If you are still applying, you need to tell them you are having the tests but do not have the results. 1 Link to comment Share on other sites More sharing options...
Rare MicCanberra Posted May 25, 2019 #8 Share Posted May 25, 2019 Medical, Medical evacuation and repatriation costs are really the only reasons I worry about getting insurance in the first place, everything else can be covered relatively easily. Link to comment Share on other sites More sharing options...
NSWP Posted May 26, 2019 #9 Share Posted May 26, 2019 Had to visit the Doc on Noordam recently. US$136 later. Excess on the travel insurance (NRMA - Covermore) was AU$250. So no can claim. Such is life. Link to comment Share on other sites More sharing options...
GUT2407 Posted May 26, 2019 #10 Share Posted May 26, 2019 6 minutes ago, NSWP said: Had to visit the Doc on Noordam recently. US$136 later. Excess on the travel insurance (NRMA - Covermore) was AU$250. So no can claim. Such is life. $136 seems low, years ago Mrs Gut had a fall when a tender sprang a leak and needed some butterfly strips on a small cut, $250 on our bill, but they reversed it as acknowledged it was their fault (in all honesty I didn’t think it was really anyone’s fault). That must have been about 2007 I think. Link to comment Share on other sites More sharing options...
NSWP Posted May 26, 2019 #11 Share Posted May 26, 2019 1 hour ago, GUT2407 said: $136 seems low, years ago Mrs Gut had a fall when a tender sprang a leak and needed some butterfly strips on a small cut, $250 on our bill, but they reversed it as acknowledged it was their fault (in all honesty I didn’t think it was really anyone’s fault). That must have been about 2007 I think. Mine was for a consult and pills. US$136 not AUD !! Link to comment Share on other sites More sharing options...
Rare MicCanberra Posted May 26, 2019 #12 Share Posted May 26, 2019 That is cheap, I had a bill of $895 USD for a consult and a drip for an hour. CC insurance paid it out when I claimed on my return. No access back then. Link to comment Share on other sites More sharing options...
NSWP Posted May 26, 2019 #13 Share Posted May 26, 2019 17 minutes ago, MicCanberra said: That is cheap, I had a bill of $895 USD for a consult and a drip for an hour. CC insurance paid it out when I claimed on my return. No access back then. Holy Moly. Link to comment Share on other sites More sharing options...
Rare MicCanberra Posted May 26, 2019 #14 Share Posted May 26, 2019 39 minutes ago, NSWP said: Holy Moly. Yeah, lucky the credit card had some wriggle room for that sea board account. Link to comment Share on other sites More sharing options...
Docker123 Posted May 26, 2019 #15 Share Posted May 26, 2019 Those single malt drips never come cheap. 1 Link to comment Share on other sites More sharing options...
Rare MicCanberra Posted May 26, 2019 #16 Share Posted May 26, 2019 1 hour ago, Docker123 said: Those single malt drips never come cheap. I wish it was more than just saline but then that was probably why I needed it, I had become dehydrated. Not enough water, too much other stuff, like coffee, beer, wine and baileys 1 Link to comment Share on other sites More sharing options...
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