BUPA FOR CROSS LINKING
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naveed
- Regular contributor
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BUPA FOR CROSS LINKING
I dont have bupa policy at the moment but I have KC actually very advanced in my one EYE .
Some has given me the leaflet for BUpa .
As per my understanding If I already have KC , I can not go on BUPA , as it will be a exsisting problem.
Also Is it worth it to buy BUPA policy ...
It's true that we don't know what we've got until we lose it, but it's also true that we don't know what we've been missing until it arrives
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Andrew MacLean
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Re: BUPA FOR CROSS LINKING
Whether it is worth while taking out a health care policy with any of the firms that offer that sort of cover is, of course, a decision that you have to make on the basis of the best information available to you. The KC forum is not in a position to endorse or recommend any particular policy.
Just read carefully the proposal documents. Be satisfied that you know what is covered and what is excluded before you enter the contract.
It is a standard condition of such policies that conditions that pre-date the contract are not covered. I think that one possible exception to this general rule is where the policy is offered as part of an employee's annual emolument. In this case, the contract is with the employer and not the employee. I am not sure, however, whether this exception is universal or whether it depends on the particular agreement between the employer and the insurer.
All the best
Andrew
Just read carefully the proposal documents. Be satisfied that you know what is covered and what is excluded before you enter the contract.
It is a standard condition of such policies that conditions that pre-date the contract are not covered. I think that one possible exception to this general rule is where the policy is offered as part of an employee's annual emolument. In this case, the contract is with the employer and not the employee. I am not sure, however, whether this exception is universal or whether it depends on the particular agreement between the employer and the insurer.
All the best
Andrew
Andrew MacLean
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naveed
- Regular contributor
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- Joined: Wed 12 Nov 2008 6:32 pm
- Keratoconus: Yes, I have KC
- Vision: Contact lenses
- Location: East London
Re: BUPA FOR CROSS LINKING
Thats Right........
I think the same ... Thanks anyways
I think the same ... Thanks anyways
It's true that we don't know what we've got until we lose it, but it's also true that we don't know what we've been missing until it arrives
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rosemary johnson
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Re: BUPA FOR CROSS LINKING
It depends onthe company and th employer and the company.....
It if it a large employer wanting to cover a larg number (say, several thousand) employees, the health insurance company may just cover them all for everything, onthe basis that amongst that several-thousand employees, some may pick up the policy to cover ongoing comditions and other will be disgustingly healthy and never use it in years.
If it is a small business trying to get cover for only a small number of employees, the insurance company is likely to check the health of each one and specify exclusions individually.
this is quite a nuisance if you work for a small company with about a dozen staff and the boss has this brilliant idea of providing private health cover - I got given all these forms to fill in, and the company wanting ltters from the hospital etc etc etc - in the end I persuaded the boss to let me just opt out "to save everyone all this paperwork and push everyone else's premiums too" - if I hadn't been one of the initial intake of staff (it was a "management buyout") it would have been compulsory and I'd have had to go through the rigmarole and had all my personal health details all over the office - no ta.
Rosemary
It if it a large employer wanting to cover a larg number (say, several thousand) employees, the health insurance company may just cover them all for everything, onthe basis that amongst that several-thousand employees, some may pick up the policy to cover ongoing comditions and other will be disgustingly healthy and never use it in years.
If it is a small business trying to get cover for only a small number of employees, the insurance company is likely to check the health of each one and specify exclusions individually.
this is quite a nuisance if you work for a small company with about a dozen staff and the boss has this brilliant idea of providing private health cover - I got given all these forms to fill in, and the company wanting ltters from the hospital etc etc etc - in the end I persuaded the boss to let me just opt out "to save everyone all this paperwork and push everyone else's premiums too" - if I hadn't been one of the initial intake of staff (it was a "management buyout") it would have been compulsory and I'd have had to go through the rigmarole and had all my personal health details all over the office - no ta.
Rosemary
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