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Hi @ Johnnyg. Don’t be overwhelmed by the thought of what you need to disclose. Insurers and underwriters are only interested in issues that will increase your financial and clinical risk to them.
Always ANSWER THE QUESTION(S) ASKED in full and not what you think they need to hear.
It’s not just about underwriting the risk at the application stage, its also about checking the medical history if G-d forbid a major claim is needed. I’ve seen 2 ex-pats have claims declined in the last year for not disclosing minor incidents at the application stage.
I should be most grateful if any members could point me in the right direction for where I could buy an annual health-insurance policy for travelling. Domiciled in France, I have already spent a lot of time trawling insurance company websites unsuccessfully and am really quite envious of UK nationals able to use Staysure or InsureandGo! Recommendations welcomed!
Oh and while we’re on this topic, any recommendations for an annual car insurance policy to cover out-of-country car hire? I haven’t managed to find anything here yet!
Very many thanks in advance.