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Broker Helps Client Get Full Hospital Bill Paid

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15 minutes ago, stouricks said:

I read that an Insurance Company can refuse to pay due to a pre-existing condition whether the client knew about it or not.

If the client didn't know for example that they had high BP, or say prostate problems before they took out the policy, and so had not consulted a doctor about it, how can the Insurance Company find out anything?

If you are diagnosed with heart condition XYZ and they know it takes 5 years to develop and your insurance is only 3 years old then you can be refused as it is preexisting condition and doesn't matter if you knew about it or not.

 

Same with high blood pressure. You just don't wake up one day with high blood pressure.

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Posted (edited)
4 hours ago, AndyAndyAndy said:

If you are diagnosed with heart condition XYZ and they know it takes 5 years to develop and your insurance is only 3 years old then you can be refused as it is preexisting condition and doesn't matter if you knew about it or not.

 

Same with high blood pressure. You just don't wake up one day with high blood pressure.

Hope that doesn't apply to Life Insurance or is getting old and dying not classed as pre-existing condition?    555    PML

Edited by stouricks
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4 hours ago, AndyAndyAndy said:

If you are diagnosed with heart condition XYZ and they know it takes 5 years to develop and your insurance is only 3 years old then you can be refused as it is preexisting condition and doesn't matter if you knew about it or not.

 

Same with high blood pressure. You just don't wake up one day with high blood pressure.

Non this is not true, what you do not know you can not tell.

 

Heart condition and blood pressure you refer too  have to be seen in the context. You can say that the dutch football coach not could be insurered for problems with the heart and bloodvessels due to genetic problems in the family. Still he is insurred dispite that his father was know to have been died with genetic heart disorder problem. And his brother also has heart problems.

 

Blood pressure you have to meassure at least serveral times 24 hrs or more. And after minimal 10 minutes of rest, the position should be on a bed laying.

 

The stress pressure or pain pressure ratings are well know and well documented

 

Al's that people can easy have blood pressure over 400.

 

More important is the 24 hrs or week recording of blood pressure and then the pressure one has during rest.

 

Doctors well educated

know this very well as well pharmacy know this too.

 

As well the streptococcus infection cause the increase post infection  bloodpressure aand when patient is in rest with the 24 hrs on for example ICU the pressure is good and you see an increase when the doctor or nurse is seen or in the area (white dress blood pressure)

 

Also be aware the guidelines change over time for weight, bmi, blood pressure and cholestorol

 

Skinny people are having the same problems and health issues as 'fat' people. And not is seems that bmi of 26-30 is overall providing more health way of living then so current of 20-24 bmi.

 

We have seen this in the past too that an bmi of 26-30 was better

The soldiers as well gladiators where on this bmi 25-30.

Recover faster, lesser cut damage, more endurance, lesser problems when they where sick.

 

The modern thin and leanness is actually providing more problems then is solves. 

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4 hours ago, AndyAndyAndy said:

If you are diagnosed with heart condition XYZ and they know it takes 5 years to develop and your insurance is only 3 years old then you can be refused as it is preexisting condition and doesn't matter if you knew about it or not.

 

Same with high blood pressure. You just don't wake up one day with high blood pressure.

How do you know ? Are you a doctor ? Some people do have high blood pressure from 1 day to the other , can have something to do with stress or multiple reasons and it would have nothing to do with illness . So AndyAndyAndy i geuss you work for an insurence company and are just as greedy as all of them to pay . Even my own insurance company for my motorbike called me just yesterday to tell me that i had to pay 3000baht because my insurance was ending , even though my imsurance is still valid untill februari next year . Geuss they made an honest mistake 🤔🤔🤔. I get it that there is a lot of insurance fraud but they are the ones to figure out what's fraud and what's not otherwise they should have started another company , they make 💩 loads of money every year so they should work for it and pay up . Had an accident with the bike while it was parked someone hit it and the damage was Quoted at 80.000 baht all original parts from honda and Quoted by honda dealer but they still tried to pay out only 60.000 . I didn't agree with that but if i did would mean they saved 20.000 baht of of my problems . Peaces of @#$% . Just pay up and don't try to make money of of other peoples real problems , people that pay full price for their insurance every year over and over . 

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1 hour ago, vukovar77 said:

True.All people over 50 have some health problems before,so what is the point if they do not want cover this?We should be stupid to pay them insurance !!!For what?

Health problems before are not the same as pre-existing conditions. Like I had only injuries from accident, and these accidents don't count if everything is healed. 

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