Daniel, 45, lives in London with his 15-year old daughter, Jennifer. He wants to take out private medical insurance that would cover both him and his daughter. They are both non-smokers and in good health. However, they are keen sportspeople, particularly when it comes to winter sports such as skiing, and want to ensure that sports-related injuries are covered. Cost is not a major issue. What are their options?
Susie Colley, West Country Health Care A careful medical history must be taken from Daniel and Jennifer to enable them to make a choice from an appropriate selection of policies. As they partake in winter sports particular attention must be given to the question of whether they have sustained any previous injuries, as these would be regarded as pre-existing conditions. If they have past medical history it is imperative at this stage that the implications are considered carefully, including the possibility of these conditions being excluded for life or for a period of time. Apart from...
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