Asda Holiday Insurance Q

[cassa333]

Hi,

I am getting quotes for holiday insurance and I'm not sure whether my Gastric Bypass should be declared?

I had it end Aug last year and although the operation went well there are problems with it and I am hoping that they will go back in and fix it later after the holiday (although at this stage they are saying they won't).

Does this mean that if anything happens on holiday that is anything to do with my stomach, such as an accident whereby I am hurt there, they will not pay out for treatment even though it is not as a direct result of the operation? (if that makes sense).

Thanks

[Buenchico]

An analogy might help here:

Joe takes out comprehensive insurance on his car but omits to declare that he's modified it by adding a sports spoiler to it. The car is later destroyed by fire (which has absolutely nothing to do with the presence of he spoiler). An insurance assessor inspects the wreckage and spots the remains of the spoiler. The insurance company has the right to (and almost certainly would) refuse to pay out a single penny.

Similarly, if you need to be hospitalised and repatriated by air ambulance after (say) a heart attack and the insurer calls for a medical report (which mentions your undeclared gastric problem) the insurer would almost certainly refuse to pay out.

Declare the problem and see if you can get cover anyway. If not, contact this specialist broker:
http://www.able2travel.com/

[SirOracle]

Methyl
Your analogy concerning a drunk driver and motor insurance is factually NOT
correct.

[Buenchico]

For SirOracle & Methyl:
(With apologies to Cassa333 for going off topic):

Insurance companies can't escape paying out on claims under statutory third party cover simply because the insured person breaks the law (e.g. by driving while drunk or by not having a valid MoT certificate for the car). However they can (and will) refuse to pay out on additional cover (such as if a driver wrecks his car while drunk and tries to claim under his 'fully comp' policy).

My analogy, above, was carefully chosen to exclude statutory third party cover.

[factor-fiction]

If you injure yourself while not p*ss*d an Insurance Company is very unlikely to pay out too, I would have thought.

[boxtops]

To return to the OP - yes cassa you need to declare it. As methyl says, if you don't,. but you are hospitalised for something else altogether and the insruance company find out, they may cancel the policy on the grounds of non-disclosure.

[EDDIE51]

The answer is 'Yes' you have to declare it otherwise any travel insurance will be void and not just for claims related to the bypass.

[atalanta]

Uberimae fidei

[237SJ]

You can do the medical declaration online with a lot of companies and if anything complicated is thrown up, you will then be able to phone them. I have done a lot of medical declarations (for my Mum) and they`re not a problem. A lot of conditions need to be declared but not all of them make a difference to the policy price. I expect the questions that will be relevant to you will be "Have you had any treatment within the last 2 years/are you awaiting treatment" etc. The comment that it is unlikely you will get insurance whilst you are awaiting treatment is wrong.

[SirOracle]

Very true Atalanta. I did not want to go down that road,as I frankly get a bit miffed at posters who spout opinions as facts,when sadly they are nonsense.

Barrack rooms and lawyers spring to mind.

[cassa333]

Thanks everyone.

I phoned them up and said about the operation and they said it would be covered if I had an accident that involved the area of the operation but wouldn't if the operation failed and needed treatment independantly of outside influence. (if that makes sense lol)

So I didn't have to declare it as far as I could tell so think I should be all right.