Latest news with #Cosmin
Daily Record
a day ago
- Business
- Daily Record
10 medical conditions that must be declared to insurers when going on holiday
Holidaymakers must be up front about all diagnoses when buying their travel insurance Travel insurance is a crucial part of booking a holiday in case the worst happens and you need medical help while abroad. And experts have warned that when taking out cover, there are a list of medical conditions you must declare or risk a hefty bill. With the cost of medical repatriation estimated at £100,000 or more, Admiral Travel Insurance said that it pays to make sure your provider is aware of all medical diagnosis. Although many Brits may have a GHIC or EHIC card, these only provide limited cover and therefore shouldn't be seen as a replacement for travel insurance. Cosmin Sarbu, Admiral's Head of Travel Insurance, said: "For peace of mind and to ensure you are covered, it's always best to declare all medical conditions when taking out a travel insurance policy, before you travel. "Although the chances of having to make a medical claim are slim, illness or injuries can be both very distressing and expensive to resolve. "If you haven't declared all medical conditions, you won't have insurance in place to cover all of the costs, this can mean you are responsible for paying tens of thousands to be treated and returned home safely should you try to make a claim," reports Lancs Live. Medical repariation is not covered by a GHIC or EHIC card. Cosmin said: "Generally, we need to know about all medical conditions someone currently has. With some conditions, such as heart problems, we need to know if someone has ever been diagnosed with them, even if they've now recovered and are no longer being treated for these. "At Admiral, we ask about these when someone gets a travel insurance quote. It's always best to include all medical conditions you've had or check with your insurer before you take out cover, if you're not sure. "We prompt customers when they go through a quote with us to remind them what medical conditions they need to tell us about. Travellers need to tell us about what even might seem like a minor visit to a doctor or GP for advice, treatment or prescriptions, any ongoing investigation into their health or if they're waiting for a diagnosis. "They also need to declare if they're on a waiting list for inpatient treatment. If you're not sure what condition you were seen for, check with your doctor to ensure you include an accurate description when you buy your policy." Admiral's data found that the top ten most common conditions declared on travel insurance policies between May 2024 and March 2025 were: Ranking 1 High Blood Pressure 2 High Cholesterol 3 Anxiety and/or Depression 4 Asthma 5 Diabetes 6 Osteoarthritis 7 Underactive Thyroid 8 Coronary Angioplasty 9 Hypertension 10 Heart Attack Cosmin said: "Although insurance costs vary depending on the type of condition, how much a medical condition affects your premium also depends on other factors, like the number of people travelling on a policy, how long you're going for and the travel destination. "While it's not possible to say specifically how particular medical conditions can impact on premiums, Admiral has provided some examples to indicate how much a premium could increase by when adding some common conditions." Currently, Admiral provides cover for over 3,100 different medical conditions. There are some conditions that can't be covered, but Admiral said it's always worth running these past your insurer first, as it does vary case-by-case. Admiral will recommend specialist travel insurance alternatives through the MoneyHelper directory if they're not able to cover a medical condition. Cosmin said: 'We ask our travel insurance customers to declare all medical conditions, including any ongoing treatment, when taking out a policy. This is to ensure we can provide cover at an appropriate price for the customer based on their medical needs. Not doing so could leave someone underinsured if they make a claim or could invalidate their insurance entirely. 'If a customer requires medical treatment while abroad which is related to medical conditions that haven't been declared to us, we may decline their claim. Or if someone has failed to declare medical conditions which would have resulted in a higher premium, we may pay the claim on a proportional basis. "This means we will only cover the claim up to the percentage of the premium they have paid, and the customer will be responsible for any costs over and above the proportional settlement. 'We never take the decision to refuse or proportionally settle a claim lightly and we will always work with the customer to ensure they receive adequate support in these cases. "However, they could end up having to pay medical treatment fees themselves and these can run into hundreds or even thousands of pounds.' Cosmin continued: 'We completely understand that some travellers might be worried about declaring medical conditions because they think it will increase the cost of their insurance. Declaring a medical condition doesn't always result in a higher premium and even if it does, the additional cost will ensure they are protected should the worst happen while they are away. 'Some travellers might not be aware of what they need to declare. So, the best advice is to check with your travel insurer and to let them know about any medical conditions you have. 'We always want to look out for our customers and encourage you to reach out if there's anything you're unsure of in the process of buying travel insurance.' And there is one thing you don't have to declare. Cosmin said: "We don't consider menopause, whether requiring HRT or not, to be a medical condition and don't require customers to declare it."
Sharjah 24
4 days ago
- Sport
- Sharjah 24
Hamdan bin Mubarak backs UAE team ahead of World Cup qualifier
Call for focus ahead of Uzbekistan match Sheikh Hamdan urged the team to give their best in the upcoming qualifier against Uzbekistan and to take advantage of all remaining opportunities to secure qualification for the 2026 FIFA World Cup. He emphasized that the Board of Directors, strategic partners, and the wider Emirati football community are fully behind the team and committed to supporting its goals. Support for coach Cosmin Welcoming coach Olario Cosmin and his technical staff, Sheikh Hamdan expressed his confidence in their leadership. He noted Cosmin's extensive knowledge of Emirati football and his prior achievements with UAE teams, making him well-suited to lead the squad during this crucial phase. Appreciation for players' commitment His Excellency acknowledged the players' dedication in joining the national team despite a demanding domestic season and multiple international fixtures. He stressed the importance of leveraging their accumulated experience to boost the team's performance in the decisive qualifiers ahead.
Sharjah 24
20-05-2025
- Sport
- Sharjah 24
Sharjah Ruler receives Asian champions, grants team AED20mn reward
His Highness also stressed the need to educate young players, promote sportsmanship, and foster cooperation across all segments of the football community—from players to administrative and technical staff, as well as the fans—so that matches are held in a way that pleases everyone. Reception of the Champions at Al Badi' Palace This came during His Highness's reception, on Tuesday, at Al Badi' Palace for the Sharjah Football Club's team, following their victory in the AFC Champions League 2, after defeating Singapore's Lion City Sailors 2–1. A Historic Reward for a Historic Win His Highness directed that the team of Sharjah Football Club be awarded AED 20 million in recognition of their historic achievement—winning the AFC Champions League 2 title for the first time in the club's history and the history of the UAE. Congratulating the Team and the Nation His Highness congratulated the players of the team, along with the administrative and technical staff, on winning the club's first Asian title—an accomplishment that marks a historic moment for the club and for Emirati football. His Highness said: 'We congratulate the officials of the UAE, the Emirati people, and all residents in the country on this victory that came after years of anticipation. We hope this joy continues with upcoming wins by the UAE national team.' Calling for a Strong National Team His Highness stressed the importance of building a strong national team by ensuring player synergy through intensified group training. 'When playing for the national team, your loyalty should be to the country, not to your club,' His Highness told the players. 'You are now carrying the flag of the UAE, so you must give your best and put aside local league rivalries.' Praise for Coach Cosmin and a Message to the Players His Highness praised the choice of Coach Cosmin to lead the national team, noting that in the past, coaches were often unfamiliar with the players' skill levels. Now, with Cosmin's presence, the responsibility falls on the players to prove their worth, commitment, and love for the national team. His Highness encouraged the players to make a personal vow to themselves and to God to give their utmost for the national team. He also wished Sharjah FC success in choosing a new coach who could contribute as Cosmin did—pointing out that Cosmin loved the team so deeply he overlooked his own illness. His Highness prayed for his health and success in his mission with the national team. A Lifelong Passion for Football His Highness also highlighted his personal interest in football, especially when it comes to the national team. He recalled the team's matches before qualifying for the 1990 FIFA World Cup in Italy, saying he used to follow the team's progress and results daily. 'This comes from our love for our country and our children who play for it,' His Highness said. Instilling Discipline and Sportsmanship In conclusion, His Highness stated that club managements must focus on educating players, enhancing their sense of responsibility, and avoiding interference in referees' decisions during matches. A single careless mistake by a player could cost the team victory and render all efforts in vain. His Highness stressed the importance of collective cooperation to ensure that matches reflect good sportsmanship and fair competition. Celebration and Gratitude His Highness graciously shook hands with the team's officials, players, and both administrative and technical staff, and took commemorative photos with the team in a joyous atmosphere shared by all present. A Word of Thanks from the Champions For their part, the administrative and technical staff and players of Sharjah Football Club expressed their heartfelt gratitude to His Highness for his generous reward and unwavering support, which played a key role in the club's rise to the Asian podium. They appreciated his reception and continuous encouragement, affirming their commitment to His Highness's noble guidance and fatherly advice to represent the UAE with honour on international stages and to continue winning titles. A Historic Win for Sharjah and UAE Football Sharjah FC's first team claimed the AFC Champions League 2 title for the first time in the club's history after defeating Lion City Sailors in the final held last Sunday at Bishan Stadium in Singapore. The match was a heroic football epic, with Sharjah's players delivering their finest performance, scoring the winning goal in the seventh minute of stoppage time. Dignitaries in Attendance The reception was attended by Sheikh Mohammed bin Saud Al Qasimi, Chairman of the Sharjah Finance Department; Sheikh Khaled bin Abdullah Al Qasimi, Chairman of the Sharjah Ports, Customs, and Free Zones Authority; Sheikh Mohammed bin Humaid Al Qasimi, Chairman of the Department of Statistics and Community Development; and a number of senior sports officials.
Al Etihad
20-05-2025
- Sport
- Al Etihad
Sharjah Ruler receives Asian champions, grants team Dh20 million reward
20 May 2025 15:11 SHARJAH (ALETIHAD) His Highness Sheikh Dr. Sultan bin Mohammed Al Qasimi, Supreme Council Member and Ruler of Sharjah, has emphasised the importance of continuous effort and dedicated work to achieve sporting accomplishments on international platforms—achievements that ultimately reflect on the Highness also stressed the need to educate young players, promote sportsmanship, and foster cooperation across all segments of the football community—from players to administrative and technical staff, as well as the fans—so that matches are held in a way that pleases came during His Highness's reception, on Tuesday, at Al Badi' Palace for the Sharjah Football Club's team, following their victory in the AFC Champions League 2, after defeating Singapore's Lion City Sailors 2–1. His Highness directed that the team of Sharjah Football Club be awarded Dh20 million in recognition of their historic achievement—winning the AFC Champions League 2 title for the first time in the club's history and the history of the Highness congratulated the players of the team, along with the administrative and technical staff, on winning the club's first Asian title—an accomplishment that marks a historic moment for the club and for Emirati football. His Highness said, 'We congratulate the officials of the UAE, the Emirati people, and all residents in the country on this victory that came after years of anticipation. We hope this joy continues with upcoming wins by the UAE national team.'His Highness stressed the importance of building a strong national team by ensuring player synergy through intensified group training. 'When playing for the national team, your loyalty should be to the country, not to your club,' His Highness told the players. 'You are now carrying the flag of the UAE, so you must give your best and put aside local league rivalries.'His Highness praised the choice of Coach Cosmin to lead the national team, noting that in the past, coaches were often unfamiliar with the players' skill levels. Now, with Cosmin's presence, the responsibility falls on the players to prove their worth, commitment, and love for the national team. His Highness encouraged the players to make a personal vow to themselves and to God to give their utmost for the national team. He also wished Sharjah FC success in choosing a new coach who could contribute as Cosmin did—pointing out that Cosmin loved the team so deeply he overlooked his own illness. His Highness prayed for his health and success in his mission with the national Highness also highlighted his personal interest in football, especially when it comes to the national team. He recalled the team's matches before qualifying for the 1990 FIFA World Cup in Italy, saying he used to follow the team's progress and results daily. 'This comes from our love for our country and our children who play for it,' His Highness conclusion, His Highness stated that club managements must focus on educating players, enhancing their sense of responsibility, and avoiding interference in referees' decisions during matches. A single careless mistake by a player could cost the team victory and render all efforts in vain. His Highness stressed the importance of collective cooperation to ensure that matches reflect good sportsmanship and fair Highnes also took commemorative photos with the their part, the administrative and technical staff and players of Sharjah Football Club expressed their heartfelt gratitude to His Highness for his generous reward and unwavering support, which played a key role in the club's rise to the Asian podium. They appreciated his reception and continuous encouragement, affirming their commitment to His Highness's noble guidance and fatherly advice to represent the UAE with honour on international stages and to continue winning FC's first team claimed the AFC Champions League 2 title for the first time in the club's history after defeating Lion City Sailors in the final held last Sunday at Bishan Stadium in Singapore. Sharjah's players delivered their finest performance, scoring the winning goal in the seventh minute of stoppage time. The reception was attended by Sheikh Mohammed bin Saud Al Qasimi, Chairman of the Sharjah Finance Department; Sheikh Khaled bin Abdullah Al Qasimi, Chairman of the Sharjah Ports, Customs, and Free Zones Authority; Sheikh Mohammed bin Humaid Al Qasimi, Chairman of the Department of Statistics and Community Development; and a number of senior sports officials.
Sharjah 24
15-05-2025
- Sport
- Sharjah 24
Sharjah continues preparations in Singapore ahead of Asian final
The delegation arrived the day before yesterday to prepare for the Asian finals and adapt to the local environment. The team began their first training session with a positive attitude, buoyed by hopes of winning their first continental title. Today, they had a second session with their Romanian coach, Cosmin.
