I was watching the TV the other dark and this bloke was explaining that he be in serious debt.
The sense for this was: He and his wife be in America and she be taken bad (do not know the full details) she be taken to hospital and there the Docs and Nurses attended to her.
They both have travel insurance to cover them so they were relatively happy.
##Like I said more rapidly I do not know the full details but##
A few days later the travel insurance company ring the husband to ask how she was…then they dropped the bombshell and told him they were not going to wage the medical bill for the reason that she be intoxicated/drunk!
Even though she claims that she only have the one drink and this was not a rationale of the injury! They were not going to settle up the bill.
This worries me because when I am abroad I enjoy the occasional few drinks-simply because I am on holiday. And if I do have a drink (I will) and am undesirable to have an chance then at hand is a good providence that the medical cover will not cover me.
I will get to the point immediately: How many drinks if any are allowed to hold before the insurance become void?
Need some direction please?
Answers: I don't think there'll be a set ceiling, what will be the 'decider' is whether the amount of alcohol consumed was a contributing factor. Will also depend on how the policy is worded.
You drink 10 pints ..falling down the stairs is going to gain a whole different hypersensitivity to catching galloping wotnots from a dodgy kebab on the opening home.
You wouldn't expect to claim for aspirin to get over a hangover would you ? OK a silly example but you capture the drift.
The example you quote... I bet there be a lot more to it than she'd have 1 drink... I mean come on, within most countries you can still legally drive after one... any insurer would struggle to shun to pay out on that principle surely, unless she REALLY couldn't hold her booze.
If you get hurt through getting drunk. resourcefully that's really self inflicted isn't it ?
But I'd say... absolutely if you are insured in the UK, a couple of specs of wine with dinner isn't going to be a big accord.
I reckon the insurer would have to show that the alcohol be a 'major' contributor to the 'accident'... using the 'reasonable' test. They can't read aloud ... Oh you had a sweet sherry, so it's your failing.
Have a great holiday and have a drink for me... but not TOO oodles for yourself !
Zero. If you ever read the exclusions on a travel policy, it has to be something completely unpreventable, to be covered - AND something that's never happen to you before, so is swift.
Drinking has intended and expected consequences, even if it's solely one drink - so it voids the coverage.
If the doctor reports the cause of an calamity as being due to alcohol intoxication, the insurance company is without blemish within their rights to not cover the costs. The insurance is for *accidents,* not for individuals who get drunk and crumple their lives.
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The sense for this was: He and his wife be in America and she be taken bad (do not know the full details) she be taken to hospital and there the Docs and Nurses attended to her.
They both have travel insurance to cover them so they were relatively happy.
##Like I said more rapidly I do not know the full details but##
A few days later the travel insurance company ring the husband to ask how she was…then they dropped the bombshell and told him they were not going to wage the medical bill for the reason that she be intoxicated/drunk!
Even though she claims that she only have the one drink and this was not a rationale of the injury! They were not going to settle up the bill.
This worries me because when I am abroad I enjoy the occasional few drinks-simply because I am on holiday. And if I do have a drink (I will) and am undesirable to have an chance then at hand is a good providence that the medical cover will not cover me.
I will get to the point immediately: How many drinks if any are allowed to hold before the insurance become void?
Need some direction please?
Answers: I don't think there'll be a set ceiling, what will be the 'decider' is whether the amount of alcohol consumed was a contributing factor. Will also depend on how the policy is worded.
You drink 10 pints ..falling down the stairs is going to gain a whole different hypersensitivity to catching galloping wotnots from a dodgy kebab on the opening home.
You wouldn't expect to claim for aspirin to get over a hangover would you ? OK a silly example but you capture the drift.
The example you quote... I bet there be a lot more to it than she'd have 1 drink... I mean come on, within most countries you can still legally drive after one... any insurer would struggle to shun to pay out on that principle surely, unless she REALLY couldn't hold her booze.
If you get hurt through getting drunk. resourcefully that's really self inflicted isn't it ?
But I'd say... absolutely if you are insured in the UK, a couple of specs of wine with dinner isn't going to be a big accord.
I reckon the insurer would have to show that the alcohol be a 'major' contributor to the 'accident'... using the 'reasonable' test. They can't read aloud ... Oh you had a sweet sherry, so it's your failing.
Have a great holiday and have a drink for me... but not TOO oodles for yourself !
Quick examine in relation to Molina healthcare?
Zero. If you ever read the exclusions on a travel policy, it has to be something completely unpreventable, to be covered - AND something that's never happen to you before, so is swift.
Drinking has intended and expected consequences, even if it's solely one drink - so it voids the coverage.
If the doctor reports the cause of an calamity as being due to alcohol intoxication, the insurance company is without blemish within their rights to not cover the costs. The insurance is for *accidents,* not for individuals who get drunk and crumple their lives.
Resolved Questions: