A rock and a hard place? Ministry of Defence | Defence News | MOD confirms loss of recruitment data

[James Cox]

On 29 Jan 2008, at 15:49, Roland Perry wrote:

> In article <1C80E61E-BA16-48B6-A676-90213F09AD45@imaj.es>, James Cox  
> <james@imaj.es> writes
>> The goal is for the  insurance companies to be able to properly  
>> account and bill for  procedures: they don't really have a good  
>> reason to know what the  diagnosis is, etc.
>
> Given that'll commonly exclude "pre-existing conditions", I think  
> they do need to know.

No, they will just blacklist certain treatments and drugs. If i have  
pre-existing angina, they may choose to not cover regular ECGs and  
whatever the current preferred treatment is (of course, in the UK, the  
NHS will pay for the latter anyhow)...

but take something like a cancer or kidney failure: there are a number  
of treatments and drugs which would be specific here - with drugs  
running into the thousands per dose and dialysis not being cheap -  
it's fairly simple to block out the treatment.

of course, if you get into a car accident and needed urgent dialysis  
or transfusion because you damaged a weak kidney, your insurance  
company may fully well expect you to pay for that part of your  
treatment...

Health insurance is all about procedures and drugs. it is these which  
cost the money. :)

-james