In Reply to: travel insurance posted by stacy on Tuesday, 28. July 2009 at 12:21 Bali Time:
Travel Insurance Australia state this on their website:
If you have a pre-existing medical condition and you wish to have it covered, we require that you complete the basic application form AS WELL AS the pre-existing medical form and once both are completed fax them to us. We send them for assessment and once we receive the insurers advice, we email you there decision and await your instructions before we do anything else.
To save unnecessary extra visits to the doctor, we would suggest that you select an insurer from both the under writers and apply to both underwriters. This will give you a choice once you see what each has to offer.
From receipt of the completed application form, the underwriters can take from 24-72 hours to decide.
They may opt to:
•decline coverage totally (ie require us not to sell you ANY policy)
•decline the pre-existing condition but cover the rest
•cover one or some of the pre-existing conditions but decline the others
•charge an additional premium
•charge an additional premium and impose a non removable excess
•charge an additional premium and make changes to various conditions and terms
If you do not agree with the decision, you have the right to appeal the decision.
Some companies will not provide cover for the pre existing condition but cover other conditions, some will not provide any cover, some will cover only totally unrelated conditions, some appear to provide cover with medical evidence of the status of the condition and on payment of an extra premium, good idea to ask around and/or contact the underwriters directly.
Best of luck and do have a fabulous time in Bali :)) Email me if you wish :)