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Old 20.08.2013, 12:44
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Supplemental insurance and pre-existing conditions

I have applied for KluG TOP supplemental health insurance. On the forms, I have honestly written that I have received treatment for allergies in the US. Today, i have received a letter from them stating that they have approved me for everything except allergy treatments.

What are the odds of me getting coverage for this with another insurer? Should I just give up and take the coverage with the exception, or is there another possibility of another insurer covering it? Will they find out about the denial?
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Old 20.08.2013, 13:19
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Re: Supplemental insurance and pre-existing conditions

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I have applied for KluG TOP supplemental health insurance. On the forms, I have honestly written that I have received treatment for allergies in the US. Today, i have received a letter from them stating that they have approved me for everything except allergy treatments.

What are the odds of me getting coverage for this with another insurer? Should I just give up and take the coverage with the exception, or is there another possibility of another insurer covering it? Will they find out about the denial?
You will probably be asked if you have been denied coverage for any reason - it's certainly a standard part of car insurance forms. If you were to say no, you'd be committing fraud and likely invalidating the insurance anyway.

There's no percentage in it for the insurance company to cover an existing condition, so I would not expect that you'll be able to get coverage for it from anyone.
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