Private medical insurance declaration

[mynewusername2023]

I've had private medical insurance through Bupa for many years. Last year I had a stroke but did not make any claims through the insurance. Do I need to declare it to them for the renewal this year?

No you don't, although it can be useful to let them know in case you need any adjustments to help when you speak to them.

Also, check to see if you have nhs cash benefit as if it's whin time limits and you have your discharge papers with the admittance and discharge dates on, you may be able to claim for your time in the nhs hospital. Doesn't affect your low claims bonus or no claims discount.

I did claim for my nights in an NHS hospital (thankfully just 3) but they don't count that under their claims policy.

Insurance contracts are in “utmost good faith” so you should tell them, even though you didn’t claim. They could repudiate any future claims, even if unrelated, should they find out about the stroke.

If you claimed cash benefit, then it'll already be on record. It won't affect your premiums at renewal as you've not claimed under your policy for treatment.

Hello,

You don't need to make your insurer aware as you are covered by Bupa, should you move to another insurer it's worth mentioning to your broker about your stroke as some insurances will "load" for the stroke depending on what kind you had. If the new insurer wasn't aware of your previous stroke and didn't "load" your policy then it would refuse further claims. If you do look to move to another insurer which you should be looking at yearly please make sure they "switch" your policy, meaning the will carry over your existing underwriting. This is the safest way to move insurers. All the best!