The Insurance market is reviewing cover in respect to mental illness. At the time of writing, some policies specifically exclude mental illness whilst others are reviewing their cover.
Most travel policies do not automatically cover you for claims arising from, or exacerbated by, any existing medical condition unless you disclose that condition and the Insurer agrees to extend the policy to cover the existing condition.
Usually this is completion of a simple questionnaire to enable the insurer to assess the risk and advise you their decision.
With an existing medical condition, it is important to identify a date of the first diagnosis. If you recently had a medical procedure e.g. knee replacement, even though you are happy about your current state of health, it is always best to declare the procedure to the insurer. It is better to declare now and be accepted by the insurer prior to commencement of the cover than have to sort a problem out at time of claim.
It is important that you check the policy you intend to purchase and understand the conditions of the policy. Many people make the mistake of not taking out the policy before making that first trip deposit. If you delay, it may reflect on what you can claim.
All Insurance policies require full disclosure of any matter that may influence the insurer.
Corporate Travel Policies are much less restrictive than “standard” travel policies, in regard to pre-existing medical conditions, so talk to us about any concerns you have. Contact Jennine Sellers, Poole General Insurance Brokers on 5437 9900.