Is it age discrimination Red Pennant

"but in those days we were free of the encumbrance of medical conditions and medication"

were'nt we all, and i am sure there are not many over 70's who are not on some kind of medication even if it is only for cholestral/blood pressure, i have taken pills for these conditions since i was late 60's, but be very careful when you go thru the screening process to declare everything including recent visits to doctors or appointments you have outstanding, our insurers made it perfectly clear when we had our little episode, that although we were "covered" , as a result of our episode they would go and check our medical records to see if there were any discrepancies and if any were found they would hold cover but reserved the right to claim back any monies given to provide assistance.

AllClear seem to be very big in the market just now and a friend who used them said he had no problems getting cover despite him being high risk due to many health issues, but he did pay £1k+ for annual insurance.He is 72

Thank you all for your comments.

But it does seem that age alone without any requesting of a declaration of medical assessment of known aliments brings a chance to load the premiums. ( in this case over £400 on top of normal cost)

In other words as Victor Meldrew  would say a 78 year old person with half a lung and history of heart attack is not considered a high risk? 

LOL Bob

Bob

I think there was a major change to the age acceptance some years ago now, well before Covid. Previously the only restriction seemed to be the amount of time they would let you stay but even that was still quite generous. Then came the change and older members suddenly found themselves paying significantly more over a certain age. Whilst the Club design the policy they still use underwriters and it is probably them that dictate the T&C's . We, of course, as members, are never privy to the information that backs up such major changes?

David