POOLE HEART SUPPORT GROUP

Until a member can be found to provide Insurance information, I have inserted this Insurance Page in our web site, where I intend to publish

the insurance experience of our members.

This will obviously depend upon you sending me the details and I will of course, not include the source of any contributions.

You may send these by email [max9] or telephone 01202676601.

All the information is supplied in good faith, for use by PHSG members.

As a start, I would like to comment on the medical screening, necessary when insuring existing conditions.

A friend of mine had to cancel a holiday and claimed on their insurance. Only to be told that they did not mention the reason for cancellation

during the medical screening and their claim was refused. They were confident they had, so I would tend to insure with those companies that will provide you

with a copy of your medical screening.

 I list below a copy of the questions and answers of such a screening for a person who has had heart bypass, a fitted pacemaker and an enlarged prostate.

CABG

How long ago was recent procedure --- More than 6 weeks

have you had any instances of Angina since this procedure --- No.

Are you taking medication to prevent angina --- No

Have you ever had a heart attack ---No.

Have you ever been a smoker ---No.

Arrhythmia

Have you had an ablation procedure (uses a wire to destroy abnormal heart tissue) ---No.

How many medicines do you take for your heart rhythm disturbance or palpitations ---None.

Do you have any further investigations or treatments planned ---No.

Have you ever had any collapses, faints or blackouts --- No.

Have you ever had any of the following procedures --- Insertion of pacemaker. (Only one of the spoken list)

Do you have or are you on medication to prevent angina ---No

Have you been prescribed any medication for heart related breathlessness or angle swelling --- No.

Have you ever been a smoker --- No.

Benign prostatic hypertrophy.

Have you ever had more than two urinary tract infections in the last twelve months --- No

Region Spain Tenerife

Additional premium  £30.

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THERE ARE TWO LISTS HERE, THE OTHER IS FURTHER DOWN THE PAGE

The following list was published in the spring edition of our magazine. (NUAL-no upper age limit)

I have checked the numbers on their web sites and made corrections as necessary.

Google search will find the company web site for you, if you wish to enquire via the internet.

All Clear Travel                     08707779339 Single NUAL  Annual NUAL.

Atlas Direct                            08708111700      ,,      to 75        ,,        to 65

CH Facilities                           08707506711      ,,      to 79         ,,       to 69

Direct Travel                          08456052700     ,,       to75         ,,       to 65

Essential Travel                    08458035434     ,,       to 74        ,,       to 74

Free Spirit                               08452305000      ,,      to 85        ,,       to 79

Freedom Travel                    01223454290    ,,        to85         ,,        to 65

Flexicover Direct                 08452234500    ,,         to 85       ,,         to85

Insure and Go                       08448882789  ,,           to 75      ,,          to 75

J. D. Consultants                  01689856984    ,,            89            ,,           85

Manor Insurance                  08000276171     ,,           NUAL       ,,          79

Preferential                           08712214008      ,,           75              ,,         75

Saga                                         08000158055      ,,          NUAL        ,,          NUAL

Staysure                                 08700454560     ,,           80              ,,          80

Stroke Association             01603828396      ,,           NUAL        ,,          NUAL

Venturesure                          08452303521     ,,           85              ,,          74

Your Travel                            08000283571      ,,           85              ,,          70

You may prefer to insure through a broker who will not charge you a fee.

Contacts who will provide brokers are:

                           British assoc. of Insurers    02076003333

                           British Insurance Brokers Assoc.    08709501790

Interesting extract from  'moneysavingexpert.com'

[Older people and those who’ve had serious past medical problems can often be charged ridiculous amounts.

If that’s the case, opt for single trip cover, not annual, and avoid destinations with costly medical treatments,

especially the USA though Spain can be an issue too. However do remember the EHIC card means within the EU you're entitled to emergency medical treatment.

There are specialists for those with pre-existing conditions, Medicover, Orbis and Travelbility, which also offers good rates to customers with disabilities.

Get benchmark quotes from them and then see if you can beat it using Cover My Travels, Saga, Age Concern , and InTune.

 If the cover is still unaffordable, the price may drop considerably if you ask insurers to exclude pre-existing conditions;

though it’s then your judgment call on the risks of going with limited cover.]

I HAVE BEEN SENT FURTHER INFORMATION ON INSURERS

Max.

Published by the PHSG            PHSG Head Office: Poole Community Health Centre

Contact: [max9]                                                                     Shaftesbury Road, Poole BH15 2NT

                                                                                                   Telephone 01202-683363 ext. 133