Insurance - slightly different question....

[Pilgrim2]

Hi all,I know there are alot of posts regarding insurance on here, which I have read many. I had Mitral valve repair surgery, OH, in Nov22 which was successful. I used to have high BP as well as the usual other symptoms, but now do not. My question is, do I have a heart condition if it's been successfully repaired? Of course I would declare any historical surgery, but I have no further symptoms and no further checkups or investigations pending. The consultant said it would be for me to discuss with my insurance company, but medically I was fixed. The insurance company seems very black or white that i declare if I have or do not have a heart problem. When I mention mitral valve surgery they say oh so you do have a heart problem, but it's been fixed?

[Hidden]

My reply is you answer all online questions as honestly and openly as you can, but stick to the script, that's all you can do. If you don't and there is a claim you might find your cover is compromised. But if you are talking to an advisor there is an opportunity to explore the nuances of your condition to get things turned in your favour.... perhaps. But at the end of the day all of the answers required are very binary so that the risk defining algorithm doesn't get confused! Anyway if in doubt why not try a local broker who knows the industry and can help you answer the questions to optimise the result for you?

[Pilgrim2 in reply to Hidden]

Thanks. Good call on local broker.

[Hanibil]

You must tell them everything, leave one thing out and they will use it as an excuse not to pay out.

[Pilgrim2 in reply to Hanibil]

Thanks for responding, yes I think you're right and I'm not trying to leave anything out, just seems that the insurance questions seem to lead to me having a heart condition and the consultant says I dont have one as it's now fixed.

[MichaelJH Heart Star]

It is relevant for even if things have changed through surgery and/or lifestyle the elevated BP/cholesterol/BG (blood glucose)/WHY were doing their damage before for potentially many years or even decades.

[MelB51]

Staysure told me that once you have had high BP it stays on your insurance application forever. They don’t accept that it has gone probably due to the reasons MichaelJH states. Annoying though! Staysure wouldn’t insure me at all in the end.

[Pilgrim2 in reply to MelB51]

Yes thats the impression I'm getting, once you've had it, the insurances count it forever. I'll just have to be open and honest and see what they can offer.

[HenryTudor]

The thing to remember is that insurance companies make their profit based on what they don’t pay out. But some good advice from others.

I’ll be crossing this bridge sometime. After my HA and emergency angioplasty (3 years ago) I had a high HbA1c reading and was told I had T2 diabetes. The HbA1c came down like a stone when I left hospital and has been well below the threshold ever since. But the NHS won’t admit it may have been an error. The best they’ll do is classify me as “in remission”.

[Pilgrim2]

Yes, I want to make sure they are properly covering me, with full disclosure!