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For obvious reasons, to go abroad without Medical Insurance it is not recommended.
If you have a pre-existing medical condition you have to declare it and undergo medical screening which, in itself is not too arduous. If you don’t declare your pre-existing medical condition and anything happens you are wasting your premium. Insurance Companies will be reluctant to cover any claim you make.
Even if you declare all pre-existing medical conditions watch out for the clause contained in ALL holiday insurance policies that will invalidate your insurance if you do not take GP prescribed medication. This includes statins.
For information the clause goes something like this:
“You will not be covered (for various claims including related health claims) if;
At any time any medical condition to which you are not taking the recommended treatment or prescribed medication as directed by a medical practitioner”.
Two option as far as I can see:
1) Ask your GP to remove the recommendation for statins from your medical records. Very difficult if not impossible with most GP's under the current NICE guidance
2) Try and persuade the Insurance Company that you have a right not to take a particular prescribed drug for a disclosed medical condition. However, I think they will refuse and tell you to find another company to insure your holiday with.
Has anyone had any experience of this dilemma or can offer any advice?
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