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Member
Member Since Oct 2007
Location: UK
Posts: 192
16 |
Oct 20, 2010 at 03:59 PM
#1
When I worked I was a member of various schemes attached to my work place and trade union: accident, third party liability and so on.
The only one I have now is the flat contents. And I'll get a travel one if I go outside the UK (I usually forget for travel within UK but I know I should remember it). My question is, now I'm over 50, diagnosed by my GP to be bipolar and awaiting an investigation into epileptic-like seizures which I had from an early age, I can join organisations for all those things and can get specially tailored insurances. But, which should take precedence? Should I as a person in all those categories take out ordinary over 50s insurances for accident, liability, travel and flat contents insurance or the epileptic ones or the bipolar ones or a mixture of all three? |
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Member
Member Since Oct 2007
Location: UK
Posts: 192
16 |
Oct 24, 2010 at 11:24 AM
#2
When insuring my flat contents, accident risk, liability, and travel needs, should I give preference to a bipolar insurance scheme, an epilepsy one or an over-50s one?
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Legendary
Member Since Aug 2007
Location: West of Tampa Bay, East of the Gulf of Mexico
Posts: 14,352
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Oct 24, 2010 at 12:11 PM
#3
I guess I am confused about why a diagnosis or age is involved in the insuring against property loss.
In the U.S., the policy and cost would be based on the value of the property, the safety of the residential area, maybe the age of the structure where a person is residing, things like that. |
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Member
Member Since Oct 2007
Location: UK
Posts: 192
16 |
Oct 24, 2010 at 01:39 PM
#4
Quote:
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Legendary
Member Since Aug 2007
Location: West of Tampa Bay, East of the Gulf of Mexico
Posts: 14,352
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Oct 24, 2010 at 02:15 PM
#5
Quote:
Still, I would go with the most coverage for the least cost. |
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Elder
Member Since Nov 2008
Location: Sunny East Coast Florida!
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Oct 24, 2010 at 02:39 PM
#6
ok i'll try but not sure either re your question. i would try to obtain all insurance that pertains to my heath, this includes my MI dx's too. this way i've covered all things that pertain to good health or prevention. does that help?, idk.
__________________ Do not let your fire go out, spark by irreplaceable spark, in the hopeless swamps of the approximate, the not-quite, the not-yet, the not-at-all. Do not let the hero in your soul perish, in lonely frustration for the life you deserved, but have never been able to reach. Check your road and the nature of your battle. The world you desired can be won. It exists, it is real, it is possible, it is yours..~Ayn Rand |
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Member
Member Since Oct 2007
Location: UK
Posts: 192
16 |
Oct 25, 2010 at 04:23 PM
#7
Quote:
2 - As I understand what you are saying one may take out several overlapping policies but may only claim on one of them for each specific incident or occurrence is that right? I think it's only fair on everybody to have good enough cover but at the same time I don't want to paint myself as a greater risk than I really am, which I think is probably pretty average compared with the general population, on my (so far) excellent meds.. My next neurology appointment is two months off, can I estimate the risk for insurance declaration purposes prior to that date? |
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Member
Member Since Oct 2007
Location: UK
Posts: 192
16 |
Nov 09, 2010 at 05:36 PM
#8
Please can I take members step by step through the situation especially people in countries which do not have medical insurance as indicated in my thread title.
I need your insight & opinion if you were in this situation or if you work in the insurance field. Do I in fact pose insurable risks at all any different from the average? Saga offer contents, liability, travel and accident insurance for over 50s, MDF ,, ,, ,, ,, ,, ,, ,, ,, ,, people with bipolar EA ,, ,, ,, ,, ,, ,, ,, ,, ,, people with epilepsy (rather loosely defined) Is it all right to take out all policies as long as I don't claim on more than one for any specific issue? |
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Legendary
Member Since Aug 2007
Location: West of Tampa Bay, East of the Gulf of Mexico
Posts: 14,352
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Nov 14, 2010 at 08:02 PM
#9
If each policy offers the same coverages: contents, liability, travel, and accident.. then the policy that pays the most for those losses is best. If they all pay the same, then the policy that costs you the least is best.
It sounds like the policy that is for those people over 50 would cover the same as the policies for those with bipolar or epilepsy. I hope that helps. As far as taking out more than one policy, it would be wise to contact the insurer and ask how that works. It could be that more than one policy is permitted. |
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Member
Member Since Oct 2007
Location: UK
Posts: 192
16 |
Nov 26, 2010 at 10:02 PM
#10
Thank you, I'll follow that strategy.
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This is an old thread. You probably should not post your reply to it, as the original poster is unlikely to see it.|
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