I have just had a very unsatisfactory conversation with my traevl insuracne company on trying to renew my policy. The emdical screening questions were so poor that it was almost impossible to answer any of them. By way of background, I attend my local hosiptal for diabetes care (never my GP or practice nurse), am on a pump, fit & healthy.
The gems of the questions included:
Do you have any condition for which you receive regular monitoring from your GP practice? Do I answer yes or no to that? I have a condition for which I receive regular monitroing, but not at my GPs!
Have you ever suffered from Hyperglycemia? What do you define as hyperglycemia I asked? It doesn't say they replied. How can I answer a question for which they have no defintiion. I defy anyone to find a diabetic who hasn't been over 16mmol at some point. Particularly on a pump, it's easy to get a cannual failure & not realise until BG is 20+, but is that what they mean or do they mean a serious or prolonged episode requiring some outside intervention?
What is the name of oyur medication? Apidra I reply. What's that they ask? An insulin I reply. I'll just put insulin in here then they say. What is the point of asking for the name of a medication if they only want to know the type of medication!!
So I answer No to the first question, Yes to the second and my quote is £120 (up from £70 last year). That can't be right I exclaim. It has t be becasue I am answering your questions literally, rather than applying a reasonable interpretation to them. I only ask what's on the form they reply. I certainly won't be going back to them for renewal. I tell the oeprtor that she needs to feedback my concerns about the questions to her management and all she says is that she's not medically qualified. neither am I but I don't need to be to see the flaws in their questions!!!
Grrr!!! I am fit, healthy, love to travel, but need cover for my insulin, especially in "off the beaten track" countries. When I am treated so poorly by insurance companies I just have to have a rant!
The gems of the questions included:
Do you have any condition for which you receive regular monitoring from your GP practice? Do I answer yes or no to that? I have a condition for which I receive regular monitroing, but not at my GPs!
Have you ever suffered from Hyperglycemia? What do you define as hyperglycemia I asked? It doesn't say they replied. How can I answer a question for which they have no defintiion. I defy anyone to find a diabetic who hasn't been over 16mmol at some point. Particularly on a pump, it's easy to get a cannual failure & not realise until BG is 20+, but is that what they mean or do they mean a serious or prolonged episode requiring some outside intervention?
What is the name of oyur medication? Apidra I reply. What's that they ask? An insulin I reply. I'll just put insulin in here then they say. What is the point of asking for the name of a medication if they only want to know the type of medication!!
So I answer No to the first question, Yes to the second and my quote is £120 (up from £70 last year). That can't be right I exclaim. It has t be becasue I am answering your questions literally, rather than applying a reasonable interpretation to them. I only ask what's on the form they reply. I certainly won't be going back to them for renewal. I tell the oeprtor that she needs to feedback my concerns about the questions to her management and all she says is that she's not medically qualified. neither am I but I don't need to be to see the flaws in their questions!!!
Grrr!!! I am fit, healthy, love to travel, but need cover for my insulin, especially in "off the beaten track" countries. When I am treated so poorly by insurance companies I just have to have a rant!