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At the end of June I broke some bones meaning we had to cancel a DH holiday. My consultant has now said I can fly and go on holiday so we have been looking at going on a walking / hiking holiday abroad in the mountains somewhere during the same week that we were meant to go on the DH holiday. I wanted to be sure that I would be covered under my insurance so I rang the company and they confirmed that as my bones haven't fully healed and because I'm still having Physio then I wouldn't be covered for any new injuries directly or indirectly related to my current injuries. We would still be covered for unrelated illness like food poisoning, theft and everything else under the policy. I won't be putting myself at risk and certainly wouldn't be mountain biking but I am concerned about the "indirect" clause and what scenarios this may relate to. For example would I be able to make a claim if I fell and broke my ankle whilst walking as this isn't directly related to my current injury? I did ask the insurance company this but they obviously couldn't give a direct answer other than to confirm that hiking/walking is classed as an "activity" and I wouldn't be covered or any activity which goes medical advice.
Anyone else been in this situation?
Didn't they offer to cover your existing conditions for an additional (probably exorbitant) premium?
@ Twodogs, No they didn't. It's an annual policy which i renewed about 2 months ago. I'm now wondering about taking out a new single trip policy with another company in which I can properly declare the existing injury and pay the extra.
Go somewhere in Europe and use the reciprocal health agreement should you need it for your existing injuries?
@ Tired, what's that?
Why not go on holiday and be careful?
reciprocal health agreement should you need it for your existing injuries?
Would that helicopter you off a mountain?
Tired, what's that?
In Europe it's the EHIC
Basically get treated in a public hospital and you'll get some/all of the costs reimbursed.
Private hospital = paying yourself if insurance doesn't
http://www.nhs.uk/NHSEngland/Healthcareabroad/EHIC/Pages/about-the-ehic.aspx
Would that helicopter you off a mountain?
If youre using the ski lifts then insurance should be included with the lift pass for mountain recovery. As a high level guide
Lift pass covers mountain rescue (from marked pistes/trails)
EHIC covers treatment in public hospitals
Insurance covers treatment in private hospitals plus repatriation to home country if necessary (plus other non medical benefits)
I'm now wondering about taking out a new single trip policy with another company in which I can properly declare the existing injury and pay the extra.
I'd do this, it'll put your mind at rest and probably won't be too much if just for Europe