Post
by anim8ed » Mon Jun 09, 2008 1:19 am
The Pre-existing is a big problem: I had a hip operation some 25-30 years ago - the result is a joint so strong I will break every other bone in my body before I damage the hip again.
Yet getting medical insurance is virtually zero after BUPA refused to cover anything orthopedic. That refusal included being run over by a drunk-driver and breaking a leg - their argument is another healthy person might not break a leg is that instance. WFT!
They also discovered my father died of heart disease and my mother of a brain tumor. So their exclusions (on a policy I paid 70,000B - $2000), meant I had no cover for any heart related diseases, cancer or any injury caused by a fall. (on the basis the hip joint no longer works 100% and therefore my chance of a fall is higher): THe fact I don't drink and therefore have a much lover chance of falling over and braking something doesn't even figure - it was suggested that as a non-drinker, I had an increased risk of heart disease.
I have tried to get insurance here but to date have drawn a blank on getting anything - everyone has stupid PEA clauses which mean even in an instance where Joe Average would be covered, you ain't: That is just plain wrong.
What is needed is basic cover for when serious shit happens and you are not in the position to help yourself. I don't mind paying a loading on long shot medical problems relating to something that happened 35 years ago.
anim8ed
If you are in the UK, talk to STA Insurance - they have VSO cover which lasts one trip or one year, which ever is the shorter. Costs around $700-800 and has common-sense pre-existing conditions (like a limit of 5 years no problem). And they let you ride motorbikes and other such fun dangerous things.