Stents & Insurance

[Vikdikdok]

After scans it seems I might need a stent as the hospital found some build up of cholesterol in my arteries . . . Do I need to inform my insurers, I've read some conflicting yes/no advice on the internet so I'm still not sure

 

[tuscancouple]

Do I need to inform my insurers,

Do you regard it as a pre-existing medical condition? I'd say it is, but I'm not an insurance company who always look for a way out of paying.

Mick

 

[Puddleduck]

I'd inform them to be on the safe side.

Martin has a stent but we have more problems getting insurance for me as I have on going issues.

EDIT: at the moment as you don't have a stent maybe you should declare higher than average cholesterol?

 

[Speve]

Usually the questionnaire asks if you have ever tested positive for high cholesterol so if you answer yes that will be added to your application?

 

[RandallC]

Hi, sorry to hear your news.

Can advise vis recent call to our insurance medical screening, IF you have booked a trip prior to finding out you may have a problem then "perhaps" (say that because ours were ok about it), and assuming you already have an annual policy) will cover you for that problem as you did not know at the time of booking.

However given the propensity for insurance companies to limit liability!! you have to tell them, failure to do so may mean they don't pay.

high cholesterol isn't usually a problem in it self (EDIT WRT insurance) if taking Statins and its not inherited (familial ?)

Yes am on Statins, It's all about risk and WRT health I'm a bit risk averse.

Good Luck

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[The Wino]

I would say that you definitely do need to tell them.

 

[Mack100]

It's always advisable to keep them up to date with all changes in your health profile.

You can never second guess what their response will be but if you don't tell them it could come back and bite you in the bum when you least need it.

When I told them about my polymyalgia rheumatica my premium actually was reduced, unfathomable by them but I didn't complain.

 

[ctc]

If you tell them they will charge you for the change and up the premium, if you don't tell them they will not pay out. Keep the strength of the insurance companies around you.

 

[sweetie]

I informed insurance company and DVLA when I had 3 1/2 stents put in in 2001 as I also did when I had a heart attack in 2004. I had no increase in motor insurance premiums only in travel insurance premiums. But when I was diagnosed as type 2 diabetic travel insurance premiums rocketed so we stay in UK now,

 

[Geo]

You will find during the form filling session you will have say no to multiple questions you should have said yes to.
Therefore negating any defence of error on your part.
The questions are designed to lead you back to the truth unless you are determined to desive the insurance Co,
Your History will be checked and if treatment had already been agreed and paid for, it will be reclaimed later
I have a stent fitted and am on life long medication as a result, namely two blood pressure tablets that pushed up my premiums no end because that suggested hypertension was also present.
I have a letter from and a note on my file informing that high blood pressure is not and has never been an issue,and the meds are merely preventative.
I suspect your med insurance issues are just beginning. My advice is to avoid tick box quotes and deal direct were you can explain things thoroughly.

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[The Wino]

I don't think it's surprising that the premiums are likely to increase after all they are based on health not many perfectly healthy people have stents fitted!

 

[Puddleduck]

I don't think it's surprising that the premiums are likely to increase after all they are based on health not many perfectly healthy people have stents fitted!

But after the stent is fitted you are much less likely to have an issue!

 

[The Wino]

But after the stent is fitted you are much less likely to have an issue!

But if they insured you before it became clear that there was an issue at all!!!!!

 

[Puddleduck]

But if they insured you before it became clear that there was an issue at all!!!!!

Yes, you can't win!

I wasn't well for quite a long time - no diagnosis and so no issue with insurance....... then I was diagnosed with a rare condition, treated, "cured" and the resultant long term complications were / are well under control but I could no longer get insurance for quite a while after the cure. I still have to have insurance screened by a medical panel but that has become more of a formality as my specialist visits are infrequent (seems to be when they remember).

 

[Phill D]

My understanding is that any changes to your medication ; potential changes in medical status that you are aware of are notifiable to your medical insurance.

dont tell them..... wont pay!

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[The Wino]

Yes, you can't win!

I wasn't well for quite a long time - no diagnosis and so no issue with insurance....... then I was diagnosed with a rare condition, treated, "cured" and the resultant long term complications were / are well under control but I could no longer get insurance for quite a while after the cure. I still have to have insurance screened by a medical panel but that has become more of a formality as my specialist visits are infrequent (seems to be when they remember).

I suppose its no different to being a crap but luck driver and getting cheaper insurance than a good unlucky one! All they can go on is the likely risk based on claims for people with a similar history

 

[tonka]

Yes. To be on the safe side report everything.

My understanding is that any changes to your medication ; potential changes in medical status that you are aware of are notifiable to your medical insurance.

dont tell them..... wont pay!

Last October I had a bit of a chest infection and given antibiotics for a week. Called insurance as we were due to fly to Beni and told them about medication. Premium almost doubled BUT lucky for me the course stopped 2 days prior and I got away with no increase but was noted on my record. Any hospital visit or change in medication needs to be notified to be on the safe side.

 

[romany]

most have a clause in the small print that you should inform them of any medical changes or Dr/consultant appointments or investigation as soon as you are aware of them and I would assume that if you have had a scan you are already having some symptoms the next step if it follows the same system as me will be an angioplasty and stents fitted if possible if not then next procedure would be bypass I even have to tell insurers that I am involved in an annual check as I am part of a heart/stroke study, and staysure would not insure me because of that

 

[maison]

Declare it but be prepared for the consequences.

My wife had viral myocarditis, (a viral infection of the membrane around the heart) aged 32 years. She made a full recovery with no ongoing problems.

However, at the very mention of heart problems her premium is loaded by, on average, £130 for annual multi-trip insurance. That is after almost 40 years.

 

[Podney]

You have to tell them.
Otherwise you are guilty of non disclosure.

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[Top Hat]

When asked if I have any on going repeat Prescriptions I had 2 at the time Lansoprazole for reflux, no charge, the other was for paracetamol for arthritis in a finger they wanted £105 to cover, I can only assume when entered arthritis into their data base it assumed it was in every joint in my body.

 

[Euphony]

I’ve just taken out travel insurance and as I have a complex medical history I find it best to use a specialist medical insurance company (insurancewith.com). Having answered the very many questions, almost the last thing she said to me was “if any changes arise or you become aware that will require a procedure or treatment in the future, you must inform us, if you do not we may refuse to pay out on any claim”.
I’d tell them just to be safe.

 

[Vikdikdok]

Many thanks folks, I guess I'll be up front & tell both my van insurance and (Nationwide) travel insurance when I know they are going to fit me with stent.

 

[romany]

Many thanks folks, I guess I'll be up front & tell both my van insurance and (Nationwide) travel insurance when I know they are going to fit me with stent.

You need to tell them now that you have had tests and been told you have Atherosclerosis its on all insurance companies medical questions you will not be insured if you don't and at the very worst they will stop only the medical cover for heart strokes until you have it treated how ever they treat it otherwise you are just kidding yourself that you are insured

 

[Vikdikdok]

Ok ok - I'll do it Monday morning ?

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[carolyn]

You say you have had scans and might need a stent, if you are not travelling and have no trips booked between now and getting your scan results then you could wait I suppose until the consultant gives you the exact diagnosis and his plan. If you do have a trip booked then you should as the small print on my LLoyds and I believe on Nationwide and a lot of annual ones say that if you get referred to hospital, are having tests, awaiting results or change medication( unless for no screen conditions) you must notify them. Otherwise you risk invalidating policy. I’d tell all though as the Insurance companies are devils!

 

[Mack100]

You say you have had scans and might need a stent, if you are not travelling and have no trips booked between now and getting your scan results then you could wait I suppose until the consultant gives you the exact diagnosis and his plan. If you do have a trip booked then you should as the small print on my LLoyds and I believe on Nationwide and a lot of annual ones say that if you get referred to hospital, are having tests, awaiting results or change medication( unless for no screen conditions) you must notify them. Otherwise you risk invalidating policy. I’d tell all though as the Insurance companies are devils!

I discovered this to my cost (literally) some years ago when as part of my medic standard hypochondria I perceived a problem with my throat and was given an NHS consultant appointment which was cancelled due to ill health by the consultant.

I was quite happy to wait for another appointment but when I went to renew my travel insurance a week before flying to Florida for a conference I was advised about the "waiting for tests" situation.
I managed to secure a quick private appointment and had a satisfactory nasendoscopy. Problem was it cost me about just over £1000 but I was able to go to Florida.

 

[Dognewf]

Stents are not notifiable to dvla but its up to you whether you notify the insurance company. I have had two lots and its never come up as an impediment.

 

[Chris]

I think it would be safest to disclose. It’s a change to the insurers risk and I bet there is a bit of small print hidden away in the T’s &C’s covering it.

Just like you have to tell your motor insurers of speeding fines during any policy even if you didn’t have any when the coverage started.

 

[tuscancouple]

Many thanks folks, I guess I'll be up front & tell both my van insurance and (Nationwide) travel insurance when I know they are going to fit me with stent.

I'd absolutley agree you need to let your medical insurer know, however I doubt that you need to let your van insurer know. I'd have a really good read through the policy before doing that.

Mick

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