1Cover - requiring pre-payment / going hard on pre-existing conditions?

[Quickstatus]

The OP didn’t think they had anymore-existing conditions, but that didn’t stop the insurer - allegedly - wanting to do some digging.

I'm happy for them to dig for evidence. However, they have to understand that in the absence of evidence in the moment, they should never exclude cover for the insured. If they later discover it is a pre-existing then chase the insured.

 

[tgh]

One assumes that this "code" of conduct is common for 1 cover, begs the question :
How many innocents abroad have been crucified that we do not know about.

Disgraceful conduct...shame….

Otoh.. latent conditions are probably a source of difficult to measure risk for insurers

 

[Katie B]

I'm happy for them to dig for evidence. However, they have to understand that in the absence of evidence in the moment, they should never exclude cover for the insured. If they later discover it is a pre-existing then chase the insured.

Yes absolutely, if someone hasn't been honest that's completely reasonable. But in the middle of the emergency support (that has been paid for) must be provided and then they do their due diligence if appropriate.

Not assume guilt at the outset.

 

[Katie B]

One assumes that this "code" of conduct is common for 1 cover, begs the question :
How many innocents abroad have been crucified that we do not know about.

Disgraceful conduct...shame….

Otoh.. latent conditions are probably a source of difficult to measure risk for insurers

It would seem to be common, we've heard from a number of people who are still fighting claims unsuccessfully with 1Cover.

We were also contacted by another media outlet who were already investigating 1Cover which will air early this week. It appears that more is about to come to light.....

 

[Flyfrequently]

Half the world has controlled hypertension it's absurd that it should not be automatically covered by 1cover. As pointed out most do it automatically from what I've seen.

Agree @Aussie_flyer
Though after reading of a recent case where insurance company was delaying payment as the patient in question had a stroke and Insurance (not 1Cover) said her hypertension was a contributing factor, I now declare controlled hypertension in pre existing questionnaire.
Shouldn't have to but I do.

 

[Flyfrequently]

This is the list of questions I had to answer on 1cover questioning on disclosed hypertension:

High blood pressure
How many medicines does your doctor advise you to take for high blood pressure? • 1
Has your dose been increased or have you been prescribed a new tablet in the last 6 months? • No
Have you ever been a smoker? • No
Have you been advised to take medication to lower your cholesterol? • No

Same for me @Pushka , apart from taking cholesterol lowering medication, I do get covered and pay the $45 admin fee.