should pre-existing conditions be covered by... - Stand Up 2 OA
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I'm in the UK so we tend to take out insurance when we plan to travel out of the country.
If a pre existing health condition is declared and accepted by the insurance company then I think that's fair. It's not really feasible to take out insurance with a stated clean slate and then claim for conditions that were already present and known.
But as I say, because of the NHS not many people in the UK take out olivaceous health insurance except for travel.
Yes in the UK the NHS does cover all pre-existing conditions because it is a universal lifetime system, regardless of income or ability to buy insurance. Would you ever want to go to a more insurance / private system?
I don't think it would work here as we are so invested in the NHS. In most parts it's excellent. My granddaughter was born 3 months early. She was in a state of the art neonatal unit for 9 weeks. Had every check and scan possible. After she went home my daughter could phone the NICU for advice, they had outreach nurses that came to visit ( 20 miles from the hospital) and when she developed a chest infection she was readmitted immediately with perfect care and treatment.
In other areas--- waiting time for operations for example--- there can be very long waiting times.
It is possible to book and pay for a private appointment, choosing any doctor, anywhere.
The problems with the NHS are many fold. Lots of money wasted, lots of overpaid managers who also have opportunities to make money ( cases in various news media all the time) Lots of drunks and addicts who go to A&E and people who go needlessly because it's "free." Visitors to the country also get treated FOC, often called " Health tourists " and the NHS isn't set up to recoup money from them.
But on the whole, it works well.
Moderation team
