StarbucksOne
26th Jan 2007, 14:01
Hi all,
I recently applied for an income protection policy with a major provider.
After a 6 month process the application has been accepted, but unfortunately:
1. The initial quoted premium has bene loaded by 50%
2. Any claims due to aviation are excluded.
They tell me the aviation exclusion is due to my medical history, not the activity itself.
The only unusual medical history I had a a short spell of stress related depression 4 years ago, and a past history of elevated BP (no longer).
Does a history of stress/depression/bp mean I uninsurable whilst flying (btw: I have a Class One medical)
Any insights?, should I query/challenge the exclusion or is this the "norm"?
I recently applied for an income protection policy with a major provider.
After a 6 month process the application has been accepted, but unfortunately:
1. The initial quoted premium has bene loaded by 50%
2. Any claims due to aviation are excluded.
They tell me the aviation exclusion is due to my medical history, not the activity itself.
The only unusual medical history I had a a short spell of stress related depression 4 years ago, and a past history of elevated BP (no longer).
Does a history of stress/depression/bp mean I uninsurable whilst flying (btw: I have a Class One medical)
Any insights?, should I query/challenge the exclusion or is this the "norm"?