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<blockquote data-quote="AndBreathe" data-source="post: 1011500" data-attributes="member: 88961"><p>Have they actually said they are covering you for non-diabetic incidents only? Does that mean they will not cover you for anything diabetes related? If that is the case, I would want clarification on that. </p><p></p><p>If, for example, someone with that insurance policy condition/exclusion, were unfortunate enough to suffer a heart attack or a stroke, say, I wouldn't like to be the one having to fight my corner as to whether diabetes contributed to such an event.</p><p></p><p>At the point of claim, insurers have a slightly conflicting duty of care, in that they should pay all calid claims, but at the same time, must protect their commercial shareholders by resisting claim payouts, where there is a reason to question it. If there is doubt, or ongoing discussion, there could be delays settling bills, which isn't what one needs when one is under the weather.</p><p></p><p>I advise you ask your insurer to confirm you are completely covered, under the normal policy conditions of the standard policy. If not, I would advise you consider shopping around. Myself and many others have found we are covered as if a "normal person", with no exclusions (aside from naked hang-gliding, surfing with sharks or other considered hazardous pursuits. Nor have I ever had a premium loading.</p><p></p><p>It may be worthwhile looking at your policy documents to find the underwriter. A couple of the big banks underwrite their own cover, with the balance usually using AXA, Aviva or Legal and General.</p></blockquote><p></p>
[QUOTE="AndBreathe, post: 1011500, member: 88961"] Have they actually said they are covering you for non-diabetic incidents only? Does that mean they will not cover you for anything diabetes related? If that is the case, I would want clarification on that. If, for example, someone with that insurance policy condition/exclusion, were unfortunate enough to suffer a heart attack or a stroke, say, I wouldn't like to be the one having to fight my corner as to whether diabetes contributed to such an event. At the point of claim, insurers have a slightly conflicting duty of care, in that they should pay all calid claims, but at the same time, must protect their commercial shareholders by resisting claim payouts, where there is a reason to question it. If there is doubt, or ongoing discussion, there could be delays settling bills, which isn't what one needs when one is under the weather. I advise you ask your insurer to confirm you are completely covered, under the normal policy conditions of the standard policy. If not, I would advise you consider shopping around. Myself and many others have found we are covered as if a "normal person", with no exclusions (aside from naked hang-gliding, surfing with sharks or other considered hazardous pursuits. Nor have I ever had a premium loading. It may be worthwhile looking at your policy documents to find the underwriter. A couple of the big banks underwrite their own cover, with the balance usually using AXA, Aviva or Legal and General. [/QUOTE]
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