The greatest impact your medical history will have on your coverage is when important parts of it are left out when acquiring your policy. Especially when dealing with large claims, many insurers will dive deep into details in an attempt to deny the claim. It's an unfortunate reality, but insurance is a numbers game and sometimes a lot of money is at stake. Our independent advice will help you prevent problems in claiming your coverage when you need it.

It is important to establlish wheter there are any pre-existing conditions or past treatments that are relevant to your insurance profile. If there are, their relevance may actually expire after a period of time, or they can be addressed by a policy adjustment.

I took out full health cover for my wife and I in December. In January I was diagnosed with a hernia. I was nervous as it was so soon after purchasing the policy and I honestly expected some resistance. I forwarded all my medical history and I was delighted to be informed that I would be covered. I am very happy with the service as it delivered exactly as I was told.

Alex Collyer