According to results from an investigation by Which? consumer group, many insurers are changing the terms of policies after they have been sold – leaving many unsuspecting British travellers without cover.
The survey which questioned 1,876 members revealed that almost one third of individuals who informed their insurance provider they had a medical condition after they had taken out a policy, then had to pay a higher premium or had their cover removed.
Which?Travel has said that ‘ongoing medical warranties’ within policies mean that insurers are within their rights to change the terms of a policy after it has been bought.
The report even unearthed some cases in which individuals had their medical cover taken away, despite assurances from their doctor informing the insurers that they were perfectly well enough to travel.
Other travellers reported losing all medical cover after reporting a new minor illness.
Which? magazine have said that the Financial Ombudsman Service ruled eight years ago that it is generally unfair for insurers to exclude cover from specific medical conditions that arose between the beginning of the policy and the beginning of the trip.
‘We believe insurers behaving like this are acting against the ruling of the Financial Ombudsman Service and we encourage members to report any cases like this to the FOS.
‘These policies are also unbalanced because customers have to produce medical evidence if they want to cancel, but insurers reserve the right to cancel without medical evidence.’ Said Which?.
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