What are the privileges you can benefit from your travel insurance? There are a variety of reasons that the insurer is having second thoughts to provide cheap quotes even there are exclusions.
You will definitely get to know these details, you may have certain inquires regarding if there is any other way to get the coverage for your pre-existing medical conditions and what are the things you can ask from the insurance companies. Read to acknowledge the things which you never know.
The pre-existing medical conditions for travelers, the FCA has established certain rules that help them to find the coverage and were offering at highest quotes and even the insurance also excluded these conditions.
There is a need to cover people who are suffering from cancer where they can access a range of options based on their needs. For the customers where there are pre-existing physical and mental conditions are not allowed to travel and the cover can be difficult to acquire.
So what will you do?
Ensure when you buying the insurance policy what is covered under your policy and ask for the queries if some find irrelevant to the policy.
The main risk is if you don’t disclose the details of the condition before itself then it would result in voiding your insurance policy. In case, if you want to carry the expensive equipment then it is a must to any policy for personal possessions.
What are the rights to ask the insurer?
It is hard for the insurers to provide coverage for the medical conditions but the insurers are not allowed to say no to the disabled person.
They can higher the charges based on the factors considering you as a risk where you have to get as a result of your condition. You can ask the insurer for not providing policy for certain conditions as cancer, HIV or depression.
The main factor is to find the right policy from the right insurer is base for getting the insurance for medical conditions.
What FCA provides you?
It is the great news where the Financial Conduct Authority (FCA) making easier for the customer in helping the travel insurance providers and it does take quite some time to the actual changes. There are charities offering the medical conditions even for travel insurance and in life insurance too.
Even support organizations related to the conditions that can offer can get through the specialist advice.
Do remember:
When you really wanted to less down the cost by hiding the information about your condition then it will end dangerous for you especially when it comes to travel insurance. It makes a void your valid cover and it means you never able to claim in case of emergency.
It is better if you get to know the quotes from the various insurance provider. For that, you can compare market insurance with that you can save your time and money.