RSS FeedConsumers left confused over travel insurance cover after volcanic ash saga Which4U UK
The recent volcanic ash fiasco caused a lot of uproar for many people in an array of circumstances.
Those that followed the news around the volcanic ash cloud would have see that it caused massive disruption to travellers after a ban was enforced across UK airspace. However, this was only the surface of the problems that were to come, as many of those affected came to realise when reading the small-print on their travel insurance policies.
A number of insurance companies refused to foot the bill for any extra expenses incurred as a result of the ash cloud that spread itself across a large area Europe, either based on the terms of their insurance policy, or the insurer's interpretation of the wording.
How to Avoid Being Declined For Health Insurance
You are filling out a health insurance application and you come to the question, "Have you ever been declined health insurance?"
You really don't want to have to answer YES to that question. So here is a suggestion for how to avoid that "yes" answer.
The best way to avoid a declination is to "Pre-qualify." It is that simple. And here is the way to do just that.
Ask your insurance broker or agent if they can provide you with a Pre-Qualifying Medical Questionnaire. My company uses them to travel insurance advantage. We ask our clients to fill out a copy - usually electronic because so many people do their insurance shopping online.
Below are some of the questions we ask.
Surgeries performed in the past ten years
Current health problems, such as diabetes, cholesterol, blood pressure
Medications taken in the last 12 months
Smoking and drinking habits
We then run your answers by the travel insurance insurance companies to see how they will handle your application. If one company says that you might or would probably be declined if you applied, you can avoid applying for insurance with that company and thus avoid being declined.
Another good reason to fill out a "Pre-qualifying Medical Questionnaire" is that it aids your insurance broker or agent in giving you appropriate advice about what plans will give you the best coverage. Most insurance brokers will have this kind of questionnaire on hand.
Of course, you never have to pre-qualify for short-term plans. They are "guarantee issue" plans that ask no medical questions. You are automatically covered once you submit your application to the insurance company.
Jeff Gulleson is the President of Good Neighbor Insurance that represents 10 international health insurance companies and provides international health and travel insurance for every country in the world. Email us or get an international health insurance quote.
Array
Dr. Edelman talks to Adam Levbarg, a person living with type 1 diabetes who has traveled to many parts of the world while managing his condition ...
Holiday Insurance For Diabetics- News
|
Six Questions Travellers with pre-existing medical conditions ... World First Travel Insurance Six Questions Travellers with pre-existing medical conditions World First Travel InsuranceWorld First Travel Insurance has created a check list of six questions travellers with pre-existing medical conditions must ask before buying their policy. and more » |
|
Summer vacation tips for travelers Chatham Star Tribune Summer vacation tips for travelersChatham Star TribuneIf you or anyone in your group is a high-risk traveler, such as diabetics, severe asthmatics or pregnant women, consult a physician before traveling to and more » |
|
Proactive pet care essential in low cash times Smallholder Proactive pet care essential in low cash timesSmallholder”Walking your dog is absolutely free and helps to avoid obesity and its potential consequences such as diabetes or joint problems – for both you and your and more » |
|
AREA SUPPORT GROUPS and OTHER SERVICES Minot Daily News AREA SUPPORT GROUPS and OTHER SERVICESMinot Daily NewsThe Diabetes Self-Management Network meets the third Thursday of every other month (September, November, January, March and May) in the Education Center at and more » |
|
Innovative program at Newark UMDNJ provides care for mind and body The Star-Ledger NJ.com Innovative program at Newark UMDNJ provides care for mind and bodyThe Star-Ledger - NJ.comNeither one has medical insurance, or the means to travel to a doctor's office. Even if they did, both said they would be reluctant to go: the trip would and more » |