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I used to work on the phone number you ring when you are ill abroad. I'd say always always tell them about the medical history. If we found out about pmh, and we often did, it was tough pay for it yourself time. There were some conditions where it would be looked for straight away.
But I am coming at it very one sided, and was only on the phone number. Not an expert beyond that.
You see that's the bit I don't know. I don't know whether they will put the premium up or whether they will even refuse to insure. I don't know that bit. And now I feel crappy for mentioning it but not knowing that crucial bit of info. I didn't deal with that end of it you see.
But yes from what I recall of the way it was explained at our end, people should have rung up and told the insurance company but didn't.
Just recalled that there was sometimes a thing about having a letter from a medical professional to say you were 'fit to fly'. So a doctor had said you were OK to travel, which of course the hospital have said in your case.