If I am on a policy where the excess is €600 and I get sick during the year, I then move to a policy where the excess is €250 the following year, I still have to pay the hospital excess of €600 for two years after, because it will be an existing illness.
If it is a new illness when I move on to the €250 excess policy I only have to pay the €250 excess.
Take the opposite scenario. I am on a policy where the excess is €250 and I get sick during the year. I then move to a policy with an excess of €600. Should it not follow that the excess of €250 should follow me for the next two years?
If it is a new illness when I move on to the €250 excess policy I only have to pay the €250 excess.
Take the opposite scenario. I am on a policy where the excess is €250 and I get sick during the year. I then move to a policy with an excess of €600. Should it not follow that the excess of €250 should follow me for the next two years?