written by AlexiaLeonard8 on 29/12/2016
The operation of the pre-existing condition exclusion is one sided. I was required to declare a new condition partway through my annual cover which was not in existence at the start of the policy. I was declined cover for the remainder of the term and offered no premium refund when I cancelled the policy as it was now worthless to myself and my family. While this complies with the terms and conditions it does not feel very fair. (The claim was paid for the cancelled holiday, but the process was challenging and the fairnessof the ongoing policy is questionable)
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