#203

Mate that’d be amazing!

#204

I have some critical illness insurance through work - plus death in service cover (pays out more if I die in the office but still pays out if I don’t)

No partner - kids would just live with their mum if something happened to me and would inherit the equity in my flat etc

So no need for me to get a separate policy really - but deff makes sense for some people

#206

tbh it’s probably fair enough, yr EHIC isn’t meant to cover everything is it

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#208

Last dying words “drag me back into the office…”

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#209

It was a major issue on the Hoover Dam construction project, apparently.

The company would get injured workers off site as quickly as possible because they wouldn’t have to pay out in the event of their death, but mortally injured staff would demand to be kept within the boundary.

#210

god damn

#211

Of course, that’s the gamble.

FWIW I had a mate in the mortgage business who had the payoff insurance, got testicular cancer, it paid off his mortgage and he survived too… And he still told me not to bother buying it :upside_down_face:

#212

I didn’t qualify when I looked earlier anyway ¯_(ツ)_/¯

#213

Utter bastards as ever, insurance companies

#214

To be fair would you insure someone with an attempt on their medical records and an unbiopsied lump on their bollock?

#215

But these things are usually already excluded / caveated. Existing conditions etc. No one should be denied insurance against death by the many other means it could strike.

Still, the answer is that actually someone at Lloyd’s would do it but the premiums would be silly :frowning:

#216

Yeah I need to look in to it I guess. I suppose ultimately I’m thinking the most likely cause will be one of those things (or my crohns, which is another ped) so it’s really not worth it to get cover.

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#217

At this point (as a former employee of an insurance company) I feel that I should put up a defence of the industry.

Actually, I can’t be arsed. It’s late and I have had a few brandies

2 Likes
#218

more life insurance chat. had a blood test today for one thing, but when I asked the nurse whether the reason for the test was still on the system because it had been delayed from pre lockdown, she said there were several things on there that she has combined in one test to check. I should have asked what tests but didnt, but suspect they might test for diabetes, think I have a lot of risk factors, and it would make total sense, and to be honest I would be very surprised if I don’t have at least pre-diabetes to be honest given my diet and lifestyle.

Anyway, would that affect life insurance, should I get life insurance right now before the test results are back?

#219

I imagine they would check test/diagnosis dates etc before paying out anything so probably not worth rushing. You’d have to declare it at some point. I don’t honestly know how diabetes would influence the cost anyway though sozza.

Hope the results are what you are hoping for with the tests anyway

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#220

The app form will ask whether you have had a blood test and also if you are waiting for the results of one, so you’d have to disclose anyway.
If there are any indications of diabetes then that will affect the premiums, perhaps (if it were quite severe diabetes) mean you wouldn’t be able to get any cover.
Always best to be honest because if it came to a claim there would be checks done and if anything untoward came to light then it might not pay out.

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#221

Just read this back and it seems rather negative - sorry! If the tests are clear then you’ll probably be fine to get insurance :grinning:

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#222

Yeah honestly. I’m never honest at the Dr’s due to life insurance. “You still teetotal?” Absafuckinglutely doc!
There should be a chat you have with your GP, that is a mandatory part of their job where they go through how your medical record is entirely private and your own family won’t gain access to it, but if you die they will hand it over to the first person from the call centre that chases it up when you die to forensically go through your file to see if you omitted that you once tried marijuana
#canyouseeityet?
#medicalprofessionalinsurerconspiracy

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#223

When your results are back you can ask your doctor’s receptionist for a copy of the results and that will tell you everything they’ve tested for (you’ll need to google what the different things are).

Did you have to fast for the blood test?

#224

no, unless I didnt follow instructions. it was massively delayed because of lockdown, but dont think I was supposed to fast