Be aware of this even if you have Health insurance cover!!!

[KannikaP]

1 minute ago, jasonsamui55 said:

Exactly 

What is an unknown pre-existing condition, and could it affect the premium?

[henryford1958]

They will look for any excuse not to pay out for any cardiac related problem. You just wasted 15 years of premiums.

[jerrymahoney]

26 minutes ago, KannikaP said:

What is an unknown pre-existing condition, and could it affect the premium?

To some insurers, a pre-existing condition is anything for which symptoms were present, and a "prudent person" would have sought treatment prior to start of coverage.

[KannikaP]

2 minutes ago, jerrymahoney said:

To some insurers, a pre-existing condition is anything for which symptoms were present, and a "prudent person" would have sought treatment prior to start of coverage.

Starting treatment prior to coverage is saying, yes, I have a pre-existing condition, do not pay me out.

[jerrymahoney]

24 minutes ago, KannikaP said:

Starting treatment prior to coverage is saying, yes, I have a pre-existing condition, do not pay me out.

Or there could be a waiting-period following the start of policy coverage for a disclosed pre-existing condition before coverage for that condition.

[JBChiangRai]

There have been some cases of people being denied coverage because the insurance company deemed that they must have had a preexisting condition because it took time to develop.

 

People have been completely asymptomatic until their claim.  For example a stent required 18 months after starting the policy, an insurer may argue that calcification has occurred over 2 decades and was therefore a preexisting condition.

 

For example, WrLife have this to say "A patient can have a pre existing condition without knowing this. Any insurance worldwide will consider any pre existing condition even if the insured was not aware of this condition."

 

WrLife Reviews | Read Customer Service Reviews of www.wrlife.net

 

 

[jerrymahoney]

22 minutes ago, JBChiangRai said:

For example, WrLife have this to say "A patient can have a pre existing condition without knowing this. Any insurance worldwide will consider any pre existing condition even if the insured was not aware of this condition."

Well I guess then you are screwed.