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Help us make Friends Life pay out Nic Hughes' critical illness policy

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  • Re: Help us make Friends Life pay out Nic Hughes' critical illness policy

    Originally posted by TUTTSI View Post
    I have similar with our health plan - we suddenly find out that we are only covered for Sugical and Cancer but not medical. So when I needed a blood transfusion whilst I was still undergoing test for what turned out to be a cancer of the blood I could not have a blood transfusion on my health plan. They seem to make the rules up as we go along unfortunately.

    Also, hubby has previously see an ENT person for his ears, wanted to go back to see the same consultant they now say we are not covered for ENT - yet all of us have on the same policy seen the4 same consultant over the years/

    The insurers bless do like to change policy conditions or move the goal posts when it suits.
    Yes this has happened to me and mine time after time and what it appears to be is that they exclude anything they have either paid out for or found out about upon the next renewal. So in a way you can't ever actually win (as you can't ever beat the casino).

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    • Re: Help us make Friends Life pay out Nic Hughes' critical illness policy

      Sorry Tutts, didn't mean same condition, but following any actual claim (& my thanks thingies seem to have been disabled again)

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      • Re: Help us make Friends Life pay out Nic Hughes' critical illness policy

        Originally posted by puffrose View Post
        Sorry hunny, his name is Danny Wild, he is a dad fighting bladder cancer I think he's on twitter too, there is a thread about him somewhere, but can't find a thing with this bloody phone, once the craptop Is fixed, I will find it for you
        Thanks Puff - that really is tragic and if they really are saying that it isn't a critical illness it's entering the same LALA land that ATOs seems to inhabit. Even DLA will pay out under Special Rules if someone has cancer (although it's very distressing as the doc has to say that the person is not expected to live more than 3 months) - but they don't make a fuss when you survive longer.

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        • Re: Help us make Friends Life pay out Nic Hughes' critical illness policy

          To start with MissFM's question about FOS - the service is there for customers with a complaint about a financial services company. Friends don't have a complaint - they don't require anything further to happen. The family does have a complaint but they are are choosing to pursue it through direct action rather than taking it to FOS.

          The thread is introducing other cases now - and it is tempting to take hearsay on face value based on a default assumption that insurer=bad, customer=good. Clearly insurers do get it wrong sometimes (I once had to make a complaint against BUPA myself - and I won), but equally I have seen customers engaging in fraudulent activities too. What is unhelpful and is when people start with the cynical 'well they always try to get out of a claim' stuff - not only is it incorrect but it isn't logical either.

          On the bladder cancer case I would not want to speculate - but a Critical Illness is what it says in the policy - it is either listed or it isn't (simples). Now I would find it difficult to believe that any cancer was not on such a list so there is probably more to this than meets the eye.

          However, what draws these cases together is that if you have a complaint against an insurance company, there is an expert, impartial, and free service available to resolve it for you - FOS. (And as MissFM has already recommended - their website is worth a browse).

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          • Re: Help us make Friends Life pay out Nic Hughes' critical illness policy

            When I asked about cover and gave a medical history I was told that pre existing was not covered. I did not go ahead at the time but am now considering again.
            I wonder given that I have a genetic condition called Neurofibromatosis (phew what a long word) this can be mild (as in my case) or severe (it is thought that this and another genetic disease is what The Elephant Man suffered).There is a very small risk of the tumours mutating if I would be turned down for cover?
            Never give up, Never surrender.

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            • Re: Help us make Friends Life pay out Nic Hughes' critical illness policy

              fill out the proposal forms for several companies and then you will find out if they load you or not or wont cover that condition. Well done on the spelling...

              Originally posted by dogtired View Post
              When I asked about cover and gave a medical history I was told that pre existing was not covered. I did not go ahead at the time but am now considering again.
              I wonder given that I have a genetic condition called Neurofibromatosis (phew what a long word) this can be mild (as in my case) or severe (it is thought that this and another genetic disease is what The Elephant Man suffered).There is a very small risk of the tumours mutating if I would be turned down for cover?

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              • Re: Help us make Friends Life pay out Nic Hughes' critical illness policy

                ​PS STILL STINKS msl:

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                • Re: Help us make Friends Life pay out Nic Hughes' critical illness policy

                  Originally posted by TUTTSI View Post
                  fill out the proposal forms for several companies and then you will find out if they load you or not or wont cover that condition. Well done on the spelling...
                  I will Tuttsi, thank you!
                  Done my research on the spelling it is also known as Von Recklenhosen Syndrome and like diabetes has two types ( the spelling of that I am not so certain of!) . I have signed for Nick and do hope the family get a result xx
                  Never give up, Never surrender.

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                  • Re: Help us make Friends Life pay out Nic Hughes' critical illness policy

                    Originally posted by Inca View Post
                    ​PS STILL STINKS msl:
                    Yes Inca it does stink on every level. The question I am asking myself and I think everyone else should be asking is - who stands to gain from the present state of affairs?

                    As I see it

                    - not the family: unless they go to the FOS within the timeframe allowed they will get nothing.

                    - not Friends Life as their reputation is suffering by the hour and they cannot legally pay out without FOS intervention due to legal requirements spelt out by Charlie above.

                    - Is a Pyrrhic victory (if even that will be achieved by this petition) worth it for the family?

                    - So who, or what, is driving this campaign?

                    This is a genuine question.

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                    • Re: Help us make Friends Life pay out Nic Hughes' critical illness policy

                      As I have seen many times the FOS have a huge backlog and waiting time to deal with claims. They are supposed to be impartial, but I have seen incidences where they they side with the insurer.

                      If the family have been priviledged to see the aplication form and Nick has actually said no to an actual question 'Have you ever suffered with pins and needles' if that actual question existed and he had seen the doctor and mis led the insurers then I agree no claim to be paid out, what is the FOS going to do, tbvh, if this is the case and friends life are sticking to this point then if Nick did not answer the question truthfully there is no claim and the FOS will see it no differently unfortunately.

                      If however, that question did not exsist as in have you ever had 'pins and needles', but says something like have you visited your GP in past 12 months.....state what you saw the GP for.... then that may have just have been an oversight on Nicks part. Again we have not been privvy to this actul information and whilst I feel that Friends Life should pay out there is still that question mark in my mind.

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                      • Re: Help us make Friends Life pay out Nic Hughes' critical illness policy

                        Now then Our Tuttsi,,that makes perfect logical sense to me,,and I 100% agree with you.If the specific question has been asked and answered falsely then I would happily admit I'm wrong,,but if it hasn't then FL need to chop chop and get the money to the family

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                        • Re: Help us make Friends Life pay out Nic Hughes' critical illness policy

                          Originally posted by TUTTSI View Post
                          As I have seen many times the FOS have a huge backlog and waiting time to deal with claims. They are supposed to be impartial, but I have seen incidences where they they side with the insurer.

                          If the family have been priviledged to see the aplication form and Nick has actually said no to an actual question 'Have you ever suffered with pins and needles' if that actual question existed and he had seen the doctor and mis led the insurers then I agree no claim to be paid out, what is the FOS going to do, tbvh, if this is the case and friends life are sticking to this point then if Nick did not answer the question truthfully there is no claim and the FOS will see it no differently unfortunately.

                          If however, that question did not exsist as in have you ever had 'pins and needles', but says something like have you visited your GP in past 12 months.....state what you saw the GP for.... then that may have just have been an oversight on Nicks part. Again we have not been privvy to this actul information and whilst I feel that Friends Life should pay out there is still that question mark in my mind.
                          My (admittedly limited) understanding is that the FOS have the power to suggest an ex gratia payment or compassionate payment - they also would appear to have the power to decide whether any "misrepresentation" was "reckless" or "inadvertant" - to me it seems the only reasonable way that FL can now pay out. As I understand it FL have asked the FOS to fast track this case and have agreed to abide by their findings.

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                          • Re: Help us make Friends Life pay out Nic Hughes' critical illness policy

                            Friends Life have to abide by their findings, thats what going to a mediator is all about.

                            I did post up on an earlier post that if the FOS find in favour of say Nicks favour, and give a maximum payout, the family can then take this to the high court to get a higher award this was a case that happened recently as I believe that the award given by the FOS may not cover the whole amount that they would ot might be be entitled to.

                            Originally posted by MissFM View Post
                            My (admittedly limited) understanding is that the FOS have the power to suggest an ex gratia payment or compassionate payment - they also would appear to have the power to decide whether any "misrepresentation" was "reckless" or "inadvertant" - to me it seems the only reasonable way that FL can now pay out. As I understand it FL have asked the FOS to fast track this case and have agreed to abide by their findings.

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                            • Re: Help us make Friends Life pay out Nic Hughes' critical illness policy

                              Absolutely Tuttsi - and that is why it is incomprehensible if the family are indeed being advised not to go to the FOS as a starting point (or have I misunderstood?)

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                              • Re: Help us make Friends Life pay out Nic Hughes' critical illness policy

                                An off-thread quickie for charlie505 - can you look at "almond beach" thread please? i think you might be able to help - Thanks!

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