The process of buying insurance is never a pleasant one. You have to fill in myriad forms, go through details you have to double and triple-check are accurate, and then sit and wait to be presented with an amount that coverage will cost you. And, if we’re realistic, that amount is never lower than you expected; in fact, most of us are more familiar with gasping in shock when we see an insurance quote.

The necessity of health-related insurance policies

Nevertheless, it’s a necessary evil; insurance is there to cover us for all the eventualities that we might struggle to cope with ourselves. One area where this is particularly pertinent is in regards to our health; these insurance products offer some of the best value-for-money. As well as conventional health insurance, it’s also worth noting the benefits of disability insurance and terminal illness cover also; all related to health, all useful… and all problematic.

The downfall of health-related insurance policies

Sadly, many people pay for insurance coverage and then discover that they are unable to make a claim when they need it most. Being refused expensive medical treatment claims and thus having to settle for a less-than-perfect treatment plan; having a disability insurance claim denied and having to visit Darras Law for further help; and yes, even having terminal illness payouts declined… all of these are real problems that people experience. Some of these issues are down to unfairness on behalf of the insurer, but there are a few things you can do to help limit the chances for a denied health-related insurance claim. Such as…

1. Be honest about pre-existing conditions

Yes, pre-existing conditions are likely to make health-related insurance policies more expensive, but it’s better to pay a higher premium than to have a claim denied. If your insurer learns you had an undisclosed pre-existing illness, they may have the right to outright deny your claim even if your new claim is unrelated to your pre-existing condition. So be honest; you’re not doing yourself any favors if you omit important medical information.

2. Read your policy

If there’s a mistake in your policy, the onus is on you to see it and rectify it. When you receive your policy documentation, go through it carefully to ensure that every piece of information is correct. If you do spot any errors, ask your insurance company to correct them immediately, and ask for a second, correct set of policy documents to also be sent to you.

3. Be cautious about changing supplier

In most cases, loyalty to an insurer is not particularly beneficial; in fact, it can often end up costing you more than making a switch to a new company. However, this is not necessarily the case with health-related policies, which usually have a waiting period of at least three months before they can be claimed on. As a result, you will likely need to pay for two policies (the existing, and the new) if you do make a switch to ensure you’re still covered during the introductory period.


By going through the above, you can be confident that your health-related insurance policies will always been beneficial to you and your family.
