View Full Version : High Blood Pressure and Insurance
I called Virgin today to ask for a quote for travel insurance. We have booked through them and wanted to collect a few quotes. Anyway, when he asked about medical conditions, I mentioned that my DH had controlled blood pressure as he is taking medication. They would not cover him at all.
Is this normal??? Are we going to have problems? The number of people who are on these drugs is huge - surely that is not going to stop us getting decent cover?
It depends sometimes on how long people have been taking medication, whether it's been increased recently and any manner of other obstacles posed by insurance companies.
I'm sure you'll get lots of recommendations for insurance companies - mine (AmEx) do cover high blood pressure controlled with medication but there are lots of others.
philgrove
15-10-2007, 09:32
my husband is the same,but halifax insured us for ayear with no problems just be honest when they ask about medication and also how long it has been a problem.
karen
we have stuck with them for about 5 years running now.
pieman790
15-10-2007, 09:56
We have our annual insurance through HSBC (Free with our Bank account) and Cathy has high blood pressure. I contacted them and after visiting the Doctors they agreed to insure her.
Now all we have to do is contact them if she get admitted to hospital for her blood pressure or her blood pressure gets any higher otherwise she is insured indefinitely.
E. Cosgrove
15-10-2007, 10:58
As Neil says, several of the travel insurances attached to "premier type" bank accounts will cover you.
You have to be able to tell them that you are not travelling against medical advise, that you are not terminally ill and that you are not travelling abroad to seek treatment.
( I think there is one other qualifying question, but I can't remember what it is
[msnembarrased])
If you can answer these questions satisfactorily then they will usually insure you.
You can convert your account to one of these type of accounts. You have to have a mortgage with them or a certain amount of savings to get the account for free, but if not you will pay about £12 per month for the account which will give you and your partner "free" health insurance.
We are travelling in 3 weeks and having had a partner who was in hospital as an emergency last week I have just had a crash course in insurance cover[msneek]
Lesley and John
15-10-2007, 12:00
I was with Amex when I was last quieried. All they asked me for was the medication I was on and three pressure readings from my doctor (to prove stability I assume). That satisfied them and they gave me insurance with no additional premium.
I now have insurance via my bank, in the same way as Liz refers to.
John
jolliffee
15-10-2007, 12:17
We both have high blood pressure and have a very good policy from Marks & Spencers[msnsmile2] You can set it up on the phone, we didn't need to visit our doctor either.
Fourdents
15-10-2007, 14:07
I tried Atlas Direct and got cover.
LiesaAnna
15-10-2007, 15:25
i had atlas and extra cover for my pre exsisting conditions, last time it was an extra fiver i think for just hypertension
this time as i had an op on my knee 12 weeks prior to flying i had to get extra cover which for just me cost an extra £60 on top of the family insurance of £68 we paid, at least everything was covered...... didnt need to use it thankfully
I'm on medication for high blood pressure, have been for years, and Amex cover me - admit they are not the cheapest insurance company but two medical claims I have submitted (nothing to do with BP) have been met in full.
I do believe this is one part of travelling where you do get what you pay for.
Mo Green
15-10-2007, 21:21
<blockquote id="quote" class="ffs">quote:Originally posted by Clare R
I'm on medication for high blood pressure, have been for years, and Amex cover me - admit they are not the cheapest insurance company but two medical claims I have submitted (nothing to do with BP) have been met in full.
I do believe this is one part of travelling where you do get what you pay for.
[/quote]
Same for me. It does seem that it is better if you can speak to a human especially if it is for preventative reasons rather than answer the yes/no type of statement online.
twistpile
15-10-2007, 21:36
<blockquote id="quote" class="ffs">quote:Originally posted by pieman790
We have our annual insurance through HSBC (Free with our Bank account) and Cathy has high blood pressure. I contacted them and after visiting the Doctors they agreed to insure her.
Now all we have to do is contact them if she get admitted to hospital for her blood pressure or her blood pressure gets any higher otherwise she is insured indefinitely.
[/quote]HSBC PREMIER
Qualification Criteria
Savings or investments of at least £50,000 with HSBC Bank or
A mortgage of £250,000 or over with HSBC Bank and an individual income of £75,000 or over to be mandated to your HSBC Premier Bank Account.
We reserve the right to introduce a monthly fee or withdraw the HSBC Premier service should you no longer meet the eligibility criteria. Your Relationship Manager will review this with you annually.
Rules me out..!!
Thanks for the advice. Will call some of these companies and let you all know!
L
E. Cosgrove
16-10-2007, 00:19
<blockquote id="quote" class="ffs">quote:Originally posted by twistpile
<blockquote id="quote" class="ffs">quote:Originally posted by pieman790
We have our annual insurance through HSBC (Free with our Bank account) and Cathy has high blood pressure. I contacted them and after visiting the Doctors they agreed to insure her.
Now all we have to do is contact them if she get admitted to hospital for her blood pressure or her blood pressure gets any higher otherwise she is insured indefinitely.
[/quote]HSBC PREMIER
Qualification Criteria
Savings or investments of at least £50,000 with HSBC Bank or
A mortgage of £250,000 or over with HSBC Bank and an individual income of £75,000 or over to be mandated to your HSBC Premier Bank Account.
We reserve the right to introduce a monthly fee or withdraw the HSBC Premier service should you no longer meet the eligibility criteria. Your Relationship Manager will review this with you annually.
Rules me out..!!
[/quote]
No it doesn't[msnwink]
It rules you out from getting it for free!
I don't qualify on the above criteria but I have a premier account for which I pay a charge each month[msneek]
pieman790
16-10-2007, 00:39
For anybody with a HSBC account you can upgrade your standard current account to Bank account Plus and get the same insurance as the Premier travel insurance for as little as £6.47 per month.
It is under written by Norwich Union.
<blockquote id="quote" class="ffs">quote:Originally posted by E. Cosgrove
<blockquote id="quote" class="ffs">quote:Originally posted by twistpile
<blockquote id="quote" class="ffs">quote:Originally posted by pieman790
We have our annual insurance through HSBC (Free with our Bank account) and Cathy has high blood pressure. I contacted them and after visiting the Doctors they agreed to insure her.
Now all we have to do is contact them if she get admitted to hospital for her blood pressure or her blood pressure gets any higher otherwise she is insured indefinitely.
[/quote]HSBC PREMIER
Qualification Criteria
Savings or investments of at least £50,000 with HSBC Bank or
A mortgage of £250,000 or over with HSBC Bank and an individual income of £75,000 or over to be mandated to your HSBC Premier Bank Account.
We reserve the right to introduce a monthly fee or withdraw the HSBC Premier service should you no longer meet the eligibility criteria. Your Relationship Manager will review this with you annually.
Rules me out..!!
[/quote]
No it doesn't[msnwink]
It rules you out from getting it for free!
I don't qualify on the above criteria but I have a premier account for which I pay a charge each month[msneek]
[/quote]
The problem I find with travel insurance that you get free with your bank account is that it only covers myself and hubby, it doesnt include cover for children or am I missing something?
Karen
pieman790
16-10-2007, 09:48
I do know the HSBC one covers children as well as long as they travel with you up to 18 years old or 23 if in full time education. It covers you for a max of 31 days per trip but you can travel as many times as you like during the year, as long as each trip starts/ends in the UK.
<blockquote id="quote" class="ffs">quote:Originally posted by Kazzie
The problem I find with travel insurance that you get free with your bank account is that it only covers myself and hubby, it doesnt include cover for children or am I missing something?
Karen
[/quote]
flyrr100
20-10-2007, 17:01
Thats strange that you were denied cover! I'm an airline captain with high blood pressure. It's controlled and the airline and my insurance company are both happy.
Good luck.
I have had annual travel insurance for the last 2 years through Barclays which is due for renewal next month. I have just had a letter asking me to contact them regarding my pre existing medical conditions so that they can provide me with a quote to renew. I rang them up and after lots of questions they are happy to continue to cover me and hubby for various ailments including asthma and hypertension, at a premium, but they have refused to cover me for migraine!
I have been on the internet and have found that several of the companies that specialise in pre existing conditions will not cover migraine. I have now managed to find a policy through More than that will cover us for everything and the good news is that it's £25 less than the Barclays policy and provides a better level of cover. I've no idea why migraine is such a problem but I'm not taking the risk of travelling to the US unless everything is covered.
trevncoz
22-10-2007, 16:33
HI All
I have just taken out insurance for our trip to Florida next May with Atlas Direct. I have raised BP which is controlled by medication, I also have an under active thyroid, again this is controlled with medication.
I had to call to tell them about my medical conditions, and after a short (over the phone)Q&A session they me told that I would be covered for everything including my current medical conditions,for no extra cost. [msnsmile]
I have diabetes and high blood pressure both controlled by medication and I have had annual worldwide travel insurance with More Than for several years with no problem.