There is a possible downside in applying for a policy in these circumstances. If you do get declined cover, then every time you apply for insurance in future, you will be answering 'yes' to the 'have you ever been declined or loaded' question. This will obviously trigger alarm bells.The best way to find out is to apply for the cover. The application process is quite fast and it wont cost anything to find out and as sumantra pointed out they may look for a medical report from your husbands GP (you dont have to do anything).
If they are not satisfied with the report they may request an independent medical exam (which they will pay for) and that usually only takes 20-40 minutes to complete. At that stage, you will know if accepted.
Your existing plan can stay in force throughout the application and worse case scenario - if it is more expensive or declined cover with new insurer, you do not go ahead with it and simply keep the cover you already have.
How come you are thinking of changing your cover?
Obviously, the above will have no bearing on your house insurance policy!
Thanks,
Sean
sean@raycooke.ie
Most declarations state something along the lines "If you are in any doubt as to whether certain facts are material, such facts should be disclosed." Some will specifically state "Colds, influenza and minor injuries may be excluded".
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