DO YOU WANT a Medical Examination for Gap Cover?Posted by Dyer Henderson on April 28th, 2021 When you take out an insurance plan that provides gap cover you do not usually have to be worried about the need for a medical examination. Most medical insurers are keen to join up you up without having to wait quite a long time for an intensive examination and test results to come back. How to get gap cover is good news, as you don't have to go the hassle of arranging for a check-up and you will not be rejected due to ill health. However, if you do suffer from health problems you should be honest about them, because otherwise you could find yourself responsible for medical costs that you thought would be paid for later down the line. There may be an element of risk for providers of gap cover, because they don't know just what they're taking on. However, it really is good for business, since in the event that you knew that you had to endure a medical examination, despite the fact that nothing appears to be wrong with you, you may well be less inclined to take out gap cover. Thus, you generally find that when looking at your options for gap cover, you will have no demands so that you can have a medical examination to be able to take out a policy. You need to be aware that there are several policies which exclude certain pre-existing conditions and impose a waiting amount of several months before it is possible to claim back any costs. There could be other restrictions associated with your gap cover policy, which is something worth considering when looking at all the options open to you. Just how much coverage you can expend and how long you will have to wait to claim will depend on your particular circumstances and everything you plan to claim for. Thus, if you plan to claim for childbirth costs, there's usually a wait of 10 months before you can do so. The main thing to notice, however, is you don't require a medical examination to obtain gap cover. As long as you can keep up with payments and you also don't lie about the state of your health in order to gain coverage, you will find that your medical costs will be covered. You may be tempted to lie about the state of your health to attempt to save yourself some cash, but this could backfire spectacularly if your lies are discovered, which they inevitably will be. You might 'forget' to mention you have a pre-existing condition, because you know that you don't have to undergo a medical examination, but this isn't a good idea.Like it? Share it! |