Aviation exclusion on medical grounds!??
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Join Date: Jan 2007
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Aviation exclusion on medical grounds!??
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"?
Join Date: Sep 2006
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i know after 6 month its annoying to have to start again with someone else...
but to answer your question....i would challange that and get their reasons. they may be entitled to say this but why???
...i do not see a reason
...AND...
i would call to another company and enquire what they would do...
the dean.
but to answer your question....i would challange that and get their reasons. they may be entitled to say this but why???
...i do not see a reason ...AND...i would call to another company and enquire what they would do...
the dean.
Join Date: Aug 2001
Location: UK
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What do they exclude?
Income generated by flying and lost due to depression?
Or
Depression which is a result of flying?
Neither makes a bit of sense at all. Write to them to get a clarification. The loading is very much likely to be due to your flying and previous history of depression.
Income generated by flying and lost due to depression?
Or
Depression which is a result of flying?
Neither makes a bit of sense at all. Write to them to get a clarification. The loading is very much likely to be due to your flying and previous history of depression.
