Does taking statins increase travel insurance premiums?
People taking statins for high cholesterol could be seen as a higher risk - even if you're fully managing your condition by taking the medication. But if you're taking statins as a precaution and your cholesterol levels have never been raised, then the cost of your policy shouldn't be affected.
Do statins increase travel insurance?
In many cases, particularly if your cholesterol is well controlled by medication, adding this to the policy should not impact the price of your insurance.
Do you have to tell travel insurance about high cholesterol?
The short answer is, yes! Although high cholesterol is often seen as a minor condition, it's important to declare it on your travel insurance policy in case of any linked conditions. That way, if something happens to you whilst you're away, you can rest assured with peace of mind that it is covered.
Can you fly while taking statins?
Lovastatin was followed by simvastatin (Zocor®), fluvastatin (Lescol®), pravastatin (Pravachol®), atorvastatin (Lipitor®), pitavastatin (Livalo®), and rosuvastatin (Crestor®). Every statin listed here is on the FAA Accepted Medications Database as approved for use while flying.
Is high cholesterol a pre-existing condition for health insurance?
In the health insurance world, a pre-existing condition is any injury, sickness or condition that exists before the date an insurance policy takes effect. Examples include asthma, diabetes, anxiety, depression, high blood pressure, high cholesterol and so on.
Do I need to tell travel insurance about statins?
If you're taking statins for controlling cholesterol levels, let your insurer know before you take out a policy. Even though they're a very common medication, they can still affect how likely you are to make a claim. Your best bet is to declare any medication you're on, apart from contraceptive treatment.
Are statins considered preventive care?
The USPSTF concludes with moderate certainty that statin use for the prevention of CVD events and all-cause mortality in adults aged 40 to 75 years with no history of CVD and who have 1 or more of these CVD risk factors and an estimated 10-year CVD event risk of 7.5% to less than 10% has at least a small net benefit.
What is classed as high cholesterol for travel insurance?
Generally, a healthy cholesterol level is considered to be a total cholesterol (TC) level of fewer than 5 millimoles per litre (mmol/L), and anything over this would be deemed a high cholesterol level.
What is considered high cholesterol for insurance?
| Cholesterol levels (mmol/L) | Category |
|---|---|
| Below 5.0 | Normal (or low) |
| 5.0 to 6.4 | High |
| 6.5 to 7.8 | Very high |
| Above 7.9 | Extremely high |
What do insurance companies consider high cholesterol?
Typically, cholesterol over 200 is considered borderline high from a medical perspective. However, insurance companies may still offer preferred best rates for people with cholesterol of 275 or 300.
How long until statins are out of your system?
It takes about 77 hours (3 days) for atorvastatin to be out of your system. The elimination half life of atorvastatin is approximately 14 hours. This is the time it takes for your body to reduce plasma drug levels by half. It takes approximately 5.5 x elimination half lives for a medicine to be out of ones system.
What should you not eat or drink when taking statins?
Grapefruit juice can affect some statins and increase your risk of side effects. A doctor may advise you to avoid it completely or only consume small quantities. The doctor will also ask you how much alcohol you drink before prescribing statins.
How long should you stay on statins?
“If you have heart disease, it would be my recommendation to be on a statin lifelong,” he says. “But it's not dangerous to stop. There are medicines where you may have withdrawal or a rebound if you stop them suddenly. That's not the case with statins.”
Is it safe to fly with high cholesterol?
With the okay from a doctor, there should be no reason why your cholesterol levels will stop you enjoying your time away.
How far back is a pre-existing condition?
A pre-existing medical condition is a disease, illness or injury for which you have received medication, advice or treatment or had any symptoms (whether the condition has been diagnosed or not) in the five years before your joining date. Health insurance doesn't usually cover 'pre-existing conditions'.
What are the side effects of statins?
- headache.
- dizziness.
- feeling sick.
- feeling unusually tired or physically weak.
- digestive system problems, such as constipation, diarrhoea, indigestion or farting.
- muscle pain.
- sleep problems.
- low blood platelet count.
Should I refuse to take statins?
The decision to take a statin is up to you. You can try it, and if you don't like the way it makes you feel, you can talk with your doctor. You may choose to take a different statin or a different dose to try to avoid side effects.
What is a medical waiver for travel insurance?
With a pre-existing medical condition waiver, you disclose your medical conditions to your insurance provider and ensure that the condition does not impact your ability to file a claim. If you have a waiver, you can even bypass the look-back period.
What if I forgot my Lipitor on vacation?
Call the pharmacy and explain the situation. Call your home pharmacy and ask them to transfer your medication. If your home pharmacy won't transfer the prescription, call your primary care provider.
What do cardiologists think of statins?
So it made sense just to use them for people with high cholesterol,” explains Johns Hopkins cardiologist Michael Blaha, M.D. “But we've learned that they also benefit people with lower levels of cholesterol who are at a high risk of heart disease. So we now think of statins as risk-reducing drugs.”
Why are some doctors against statins?
Older people often have multiple health problems that require several medications, and statins may interact with other prescription and nonprescription drugs these people are taking. Moreover, other chronic conditions may be as likely as ASCVD to contribute to functional decline and cause death.
What are the new guidelines for statins?
What does the USPSTF recommend? For adults aged 40 to 75 years who have 1 or more cardiovascular risk factors (i.e., dyslipidemia, diabetes, hypertension, or smoking) and an estimated 10-year CVD risk of 10% or greater: Initiate a statin. Selectively offer a statin.
Is 50000 enough medical travel insurance?
Every plan is different, but the coverage amounts and benefits may vary. Determine how much you really need. For example, SquareMouth recommends international travelers get around $50,000 in Emergency Medical coverage and $100,000 for cruises or travel to remote areas.
What is considered a heart condition for travel insurance?
Heart conditions - it's a vague term and could be anything from heart arrhythmia to heart failure, disease, angina or heart attacks. We understand the importance of covering these conditions and any relating complications, therefore have developed a fully comprehensive policy which does just that!
What conditions are not covered by travel insurance?
Injuries or illnesses which occur during your trip are covered-unless they relate to a pre-existing injury or illness. However, some policies cover some pre-existing injuries or illnesses if you pay a higher premium. There may be exceptions to this such as terminal illnesses, mental disorders and heart conditions.
