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.
It would seem to be common, we've heard from a number of people who are still fighting claims unsuccessfully with 1Cover.
Agree @Aussie_flyer
Same for me @Pushka , apart from taking cholesterol lowering medication, I do get covered and pay the $45 admin fee.
The only reason I keep my Westpac Platinum Credit Card (Mastercard) is for the Travel Insurance - underwritten by Allianz @Happy Dude.
Good to hear that they were helpful @Black Duck
As it happens, South Korea is actually pretty good hospital wise, especially with broken bones as they have a lot of skiing accidents. However it would have been a couple of weeks before they would let me fly and the language would have been tricky. We have local friends who would help but still tricky.
Not sure if that is a good indicator but sounds like you got good treatment.
. When I asked about morphine they said no - I gather that is a Japanese thing.
Agree, knowledge is a powerful tool.
These are the stories we don't like to hear @Quickstatus .
The funny thing is that initially ski patrol put it in a first aid splint, called a taxi. They they gave her some crutches and told her to trudge through the snow to the taxi to take her to the airport. That was about 200m to the car park. So i stepped in and asked the lodge to call an ambulance.
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Potentially issues. There could have been questions about who was driving.Sorry to hear that. I would assume that very likely there was zero room for argument with this. When there is any wiggle room at all (as the suggestion of possible existing medical condition in this thread has shown) that is when you are in big trouble. Without wishing to hijack this thread, the lower level of our house had to be gutted after black water backflow during a rain event at the start of last year. Literally half of a reasonably high end house destroyed. We are with what most would consider a very reputable insurer yet they sent out a bunch of clowns to repair it. Picture the Ryanair of builders. You would not let them within a bulls roar of your building site. It was only after 5 months of argument and more damage from their builder that they eventually agreed to have a real builder do the work, likely once they worked out that it would cost them more to go through the full APRA process (fees, extra temp accommodation costs etc). That is their business model. Screw the customer until they fight back. Most people won’t have the time or energy and they know that. Maybe we should have an Insurance Disaster Stories thread and I can detail the whole ordeal.
They gave me tramadol which was horrible-did nothing for the pain and made me loopy so stopped that. I just had panadol. Actually that was all I took the whole time. Worked fine -I suppose because I rarely use anything like that. It was a bad break, took the head off and broken into 3 plus one further down. It was strapped up and a sling to get me home.Not sure if that is a good indicator but sounds like you got good treatment.
Did you get morphine or equivalent?
Most would think Japan is a strong ski destination:
Mrs QS # tibia
Hospital straightens the leg without any anaesthetic or analgesia apart from panadol
Puts it in a full straight leg paster cast from toes to hip.
I argued strongly that it should be split. They thought through translation that I wanted it cut off. They did not appear to understand that splitting the cast allows swelling to occur without cutting off the blood supply to the leg. Basic orthopaedic # management. Eventually they understood when a junior nurse translated. If it was a non medical patient/family and the cast not split, the patient would have got severe pain after a few hours from swelling and the blood supply to the leg stopped turning it into an extreme medical emergency. QF would also have refused carriage - it was the first thing they looked for at checkin at HND - maybe QF HND check in have seen full limb casts without splits before?.
The only analgesic Mrs QS got between the # and getting back to Australia was panadol ( they supplied) and some ibuporofen which i found at a 7-11 and lots of
Im putting it down to the lottery of the emergency Drs but this was not a small town.
First dose of morphine was when I got her back to Sydney 4 days later.
TI reactive not proactive. I had to organise and pay for one way QF flights in J myself because they didnt reply to my requests for same. Because of their dilly dallying the price almost doubled. They reinbursed me eventually.
Good call @Quickstatus
Her husband and number #1 son blindly followed the TI plan..... fortunately number #3 son then went over and relayed the actual state of the situation to me.
