molly361 Posted September 5, 2017 #1 Share Posted September 5, 2017 What sort of document do you submit for an insurance claim? Does it need to include your type of illness? Is a simple doctor's note that states that Mr Smith should not travel this weekend since he is under a doctor's care sufficient? Thanks Link to comment Share on other sites More sharing options...
6rugrats Posted September 5, 2017 #2 Share Posted September 5, 2017 No. There's a form the insurance company will provide that must be completed and signed by your doctor. They may also ask for medical records. It has to provide a diagnosis. They are going to look at all of this, before determining whether you are eligible to receive payment. No company is going to pay with such a note. Link to comment Share on other sites More sharing options...
molly361 Posted September 5, 2017 Author #3 Share Posted September 5, 2017 Thanks!! Link to comment Share on other sites More sharing options...
missdenise Posted September 5, 2017 #4 Share Posted September 5, 2017 Another thing to consider is the infamous "per-exsisting clause". An example would be that you are taking heart medication for years, you had a cardiac incident and could not travel. If you do not have that per-exsisting wavier your claim could be denied. Link to comment Share on other sites More sharing options...
39august Posted September 28, 2017 #5 Share Posted September 28, 2017 Not quite right. Pre-existing condition waiver time frames vary by policy, some go back 6 months to look at your medical history, some less time. If you have had a condition prior to that look back period and have had no changes in medication during that time period, then you are not subject to the pre-existing waiver. In the above example, the cardiac event would be a covered reason for cancellation. Link to comment Share on other sites More sharing options...
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