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Posted

There is no special lengh of time for blood test results. It will be how long they keep medical records.

 

At least 10 years and I suspect that prior to that time records aren't totally destroyed, just removed from the main servers but still available somewhere (if yo ucan induce soemone to dig them up).

Posted
39 minutes ago, Sheryl said:

There is no special lengh of time for blood test results. It will be how long they keep medical records.

 

At least 10 years and I suspect that prior to that time records aren't totally destroyed, just removed from the main servers but still available somewhere (if yo ucan induce soemone to dig them up).

Will all the BKK hospitals be linked to the same server or will i have to go back to where i had the test carried out

Posted

No link. You have to go to the hospital whete the test was done. Provide your hospital numbet, date of the record you want and provide ID.

I wouldn't try to spe ify the test, it will just confuse/delay things. Just tell them you want a copy of your medical records from (date).

Sent from my SM-J701F using Thailand Forum - Thaivisa mobile app

Posted
34 minutes ago, Sheryl said:

No link. You have to go to the hospital whete the test was done. Provide your hospital numbet, date of the record you want and provide ID.

I wouldn't try to spe ify the test, it will just confuse/delay things. Just tell them you want a copy of your medical records from (date).

Sent from my SM-J701F using Thailand Forum - Thaivisa mobile app
 

Ok thx but it was over 10 years ago and the hospital not local to me now and I not have my number there any more

Posted
33 minutes ago, offset said:

Ok thx but it was over 10 years ago and the hospital not local to me now and I not have my number there any more

That may be a problem as they may have difficulty retrieving it. varies with hospital but many  will drop a patient from its register if no visits in a 10 year period. When I have gone to hospitals after an absence of that length, even with hospital number and card, I've had to re-register.

 

It is a rare situation where a blood test result would have any utility 10 years later. Can I ask what sort of test this is? Wouldn't it be simpler to just repeat it now?

Posted

It was for Hep C I think it was called a RNA test it found me to be negative for Hep C I have been trying to get a Hep C exclusion removed from my insurance but they seem not to have the test result any more although they had some other results take before then I am not sure what will be excluded form my cover for Hep C

Posted

That would be a Hep C antigen and a 10 year old result would not be of any use to you since you could have contacted Hep C since then (or relapsed if the issue was having had it before). No insurance company is going to revoke an exclusion based on a 10 year old result.

 

Just get a repeat test now.

Posted
36 minutes ago, Sheryl said:

That would be a Hep C antigen and a 10 year old result would not be of any use to you since you could have contacted Hep C since then (or relapsed if the issue was having had it before). No insurance company is going to revoke an exclusion based on a 10 year old result.

 

Just get a repeat test now.

If you may remember I had a Liver Function test and Ultrasound last month and there were no signs of any liver damage which should of shown if I now have Hep C I just wanted to put the 2 results together for future reference 

Posted

Not necessarily. You can have Hep c without liver damage. Only about 20% develop liver damage and that, after what is usually over a decade with the disease.

 

Negative antigen from 10+ years ago has no meaning today. just means that at that time you did not have active Hep C. Doesn't mean you never had it nor does it mean you don't have it now.

 

It is really not going to do you any good even if you can dig up this result. If getting an insurance exclusion removed is the concern, it is going to take a current test and current doctor's certificate.

 

 

Posted
1 hour ago, Sheryl said:

Not necessarily. You can have Hep c without liver damage. Only about 20% develop liver damage and that, after what is usually over a decade with the disease.

 

Negative antigen from 10+ years ago has no meaning today. just means that at that time you did not have active Hep C. Doesn't mean you never had it nor does it mean you don't have it now.

 

It is really not going to do you any good even if you can dig up this result. If getting an insurance exclusion removed is the concern, it is going to take a current test and current doctor's certificate.

 

 

Before they would insure me they wanted me to have a health check first, at that test it was found that I had Hep C antibodies, I then sent the report to the insurance company, but I was not happy about the result so I went to see a specialist because I never had unprotected sex for over 20 years and never took drugs. I was advised to take a much more expensive test which I cannot remember the name of (cost over 2500 baht) which came back as Hep C negative, the specialist suggested that I might have got the antibodies or contracted Hep C from a blood transfusion 45 years ago and if I contracted it then I have cured myself from it

Posted
24 minutes ago, offset said:

Before they would insure me they wanted me to have a health check first, at that test it was found that I had Hep C antibodies, I then sent the report to the insurance company, but I was not happy about the result so I went to see a specialist because I never had unprotected sex for over 20 years and never took drugs. I was advised to take a much more expensive test which I cannot remember the name of (cost over 2500 baht) which came back as Hep C negative, the specialist suggested that I might have got the antibodies or contracted Hep C from a blood transfusion 45 years ago and if I contracted it then I have cured myself from it

Yes, I understand. You had Hepatitis C antibodies and then later had an antigen test (that would be the expensive one) which was negative. In combination this indeed means that you had had a prior Hep C infection that had cleared, as does sometimes happen in about 20% of cases. Most go on to become chronic hence the insurance company's concern. If you had not had the antigen test when they applied the exclusion it is possible they would lift the exclusion given the information that you are antigen negative, but they would want a recent test and recent medical report to do so.

 

Any hospital lab can do this test, it is called Hepatitis c Core Antigen. But it will nowadays cost more than it did back then.

 

How is the exclusion worded? If it is just for hepatitis may nto be worth the effort but if it is broader i.e. all liver disease, would be worth trying to see if they would lift the exclusion.

 

 

 

 

Posted
13 minutes ago, Sheryl said:

Yes, I understand. You had Hepatitis C antibodies and then later had an antigen test (that would be the expensive one) which was negative. In combination this indeed means that you had had a prior Hep C infection that had cleared, as does sometimes happen in about 20% of cases. Most go on to become chronic hence the insurance company's concern. If you had not had the antigen test when they applied the exclusion it is possible they would lift the exclusion given the information that you are antigen negative, but they would want a recent test and recent medical report to do so.

 

Any hospital lab can do this test, it is called Hepatitis c Core Antigen. But it will nowadays cost more than it did back then.

 

How is the exclusion worded? If it is just for hepatitis may nto be worth the effort but if it is broader i.e. all liver disease, would be worth trying to see if they would lift the exclusion.

 

 

 

 

Exclusion says "hepatitis and its consequences" This is what I am not sure about

Posted

That could include (primary) liver cancer and cirrhosis.

 

IMO would be worth trying to get it lufted. Suggest you go back to the doctor who did the ultrasound, explain situation and request a Hep C antigen test followed by a medical report stating you do not have chronic Hep C nor any sign of liver disease.

 

BTW which insurance company?

 

Sent from my SM-J701F using Thailand Forum - Thaivisa mobile app

 

 

 

 

Posted
12 minutes ago, Sheryl said:

That could include (primary) liver cancer and cirrhosis.

 

IMO would be worth trying to get it lufted. Suggest you go back to the doctor who did the ultrasound, explain situation and request a Hep C antigen test followed by a medical report stating you do not have chronic Hep C nor any sign of liver disease.

 

BTW which insurance company?

 

Sent from my SM-J701F using Thailand Forum - Thaivisa mobile app

 

 

 

 

Pacific Cross

Posted
6 minutes ago, Sheryl said:

As they have office in Thailand you might call them first to discuss and get a sense of whether there is potential for removing the exclusion if you submit medical report etc.

Sent from my SM-J701F using Thailand Forum - Thaivisa mobile app
 

Thx for all you help

 

I was planning to do that through the agent if they say they have not got the Blood test from 10 years ago they seem to be fair they have removed few exclusions this year including hypertension and Gout (and all is causes) but seem to want to stick with excluding Hep C and Prostate cancer (which I will have to accept due to past cancer)

Posted

I think chance is good for removing Hep C given negative antigen etc. But I doubt they would do it based on a 10+ year old result. they will want a current antigen test.

 

Out of curiousity - how did you get the hypertension exclusion lifted?

Posted
21 minutes ago, Sheryl said:

I think chance is good for removing Hep C given negative antigen etc. But I doubt they would do it based on a 10+ year old result. they will want a current antigen test.

 

Out of curiousity - how did you get the hypertension exclusion lifted?

 I had a stress test and echo done at 1 hospital and an echograghic (spelling) and a echo done at a different hospital but at that time i would not let them take my blood pressure till i was ready and relaxed and the readings were good and i made sure the readings were on the report

 

Posted (edited)
13 minutes ago, Sheryl said:

Are you still on BP meds?

No never been on BP. Blood pressure always ok when I take at home, now if i go hospital i take BP at home in the morning take pictures and show them I not let them take my blood pressure any more. The doctors normally accept my readings at home are more accurate than what the nurse take  

Edited by offset
Posted

Sheryl I just got the results from a HCR-RNA PCR which came back  Result Negative. I will send the results to the insurers and see what they say 

 

Thank you again for your help

 

Posted
1 hour ago, offset said:

Sheryl I just got the results from a HCR-RNA PCR which came back  Result Negative. I will send the results to the insurers and see what they say 

 

Thank you again for your help

 

No problem. I will be interested ti hear the outcome.

Posted
21 hours ago, Sheryl said:

No problem. I will be interested ti hear the outcome.

Yes I will let you know as soon as I hear anything, but I think there might be a delay in getting an answer

 

I was just wondering if they do refuse to take the exclusion off, and I now have prove that my Liver is clear of any problems, and that I do not have Hep C now how they they could blame Hep C for any future problems with my Liver

Posted
1 hour ago, offset said:

Yes I will let you know as soon as I hear anything, but I think there might be a delay in getting an answer

 

I was just wondering if they do refuse to take the exclusion off, and I now have prove that my Liver is clear of any problems, and that I do not have Hep C now how they they could blame Hep C for any future problems with my Liver

 

You could certainly dispute it if they did, but that's a hassle. Far better to try and get the exclusion lifted.

Posted
On 3/8/2019 at 5:47 PM, Sheryl said:

No problem. I will be interested ti hear the outcome.

I have been messaged by my broker that the Underwriters have agreed to lift the Hep C exclusion due to my blood test being negative but I not have anything from the insurance company

Posted
3 hours ago, offset said:

I have only got 1 exclusion now that is because I had prostate cancer I not think they will ever take that exclusion off

 

 

Not for prostate cancer, no. Because you genuinely are at above average risk of recurrence.

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