Medical Insurance Pre existing conditions

[Angry Cat]

Re: Medical Insurance Pre existing conditions

Ah!

Re above link
"A consumer insurance contract entered into after 6 April 2013 will not be subject to the requirements of the utmost good faith as set out in the Marine Insurance Act 1906;"

Yes, obviously the CIDR is not retrospective. However, 'Reasonable Care' also lays within the rules Re: The selling of General Insurance, even prior to the FSA taking over its, so called, Regulation.
And that if, a firm subscribed to the ABI code and then the GISC Codes:
http://www.financial-ombudsman.org.u...les-codes.html
these firms were required to take 'Reasonable Care' ...!

Did the Halifax ask questions re: the OPs health?
Did the Halifax explain the 'Limitations & Exclusion' clauses within the insurance contract?

How many members are there on LB who were asked questions?
How many members are there on LB who had the 'Limitation & Exclusion' clauses explained to them?

I guess, not many if, any!

[Bill-K]

Re: Medical Insurance Pre existing conditions

Hi Bill, Honest, I didn't take offence and never interpreted your remarks as derogatory. I was just indicating that I had a strong Insurance background. Sometimes it is a curse because I see the problem from the other side and sympathize with the insurers and not the consumer!

People who bring their professional skills here are highly valued, Des. Seeing the problems from the insurers standpoint is important, too, as we can often get carried away with our own enthusiasm. Playing Devil's Advocate can be a thankless task, but I always respect those who do !!!

[skyways]

Re: Medical Insurance Pre existing conditions

Hi There, When I was told I was ill it made me lose the will to carry on. I just didn't know what lay ahead,and I still don't, that is the worries that I have, not brought upon myself, and the last thing I thought about was insurance,then as the years went by I found I could no longer work ,although I tried to kid on each day as it came,but I could not kid on any longer ,like climbing up a 30 foot ladder and feeling dizzy.I have sent documents to forum to say I carried on working a long time after I and my employer were advised for my own safety not to .How do you not know ,or how to judge a genuine case? then being told by insurers you knew you were ill, it beggars belief, I can see from the insurers side that they have a job to do,but please believe me when I say people with serious illnesses have much on their mind,and the added worry of security for the familly,a worry they can do without.We as taxpayers have seen bank bailouts, huge salary pay offs to bosses,i don't know if this was right or wrong as I never had an opinion before,but they did not believe me when I say, I did not know I had Parkinsons when I applied for a loan.That is making me even more ill, and find it hard to sympathize with the insurers,

[charitynjw]

Re: Medical Insurance Pre existing conditions

Hi skyways,

It's the usual scene with these financial institutions; give (or sell) the umbrella to you while the sun shines, then snatch it back when it rains!

[des8]

Re: Medical Insurance Pre existing conditions

Hi skyways,

It's the usual scene with these financial institutions; give (or sell) the umbrella to you while the sun shines, then snatch it back when it rains!

Here we go again, slightly off topic (lol)
Not all financial institutions should be tarred with this brush. There are good, there are scammers and there are those who are incompetent.
To imply they are all bad is to use the same sort of argument that says all benefit claimants are cheats, and we know how untrue that is.On this forum we only hear from those with problems so perhaps we have a skewed view.

IMO Skyways instance is an illustration of incompetence. The policy wording contains anomalies, & the claim rejection letter refers to policy sections which don't exist. I agree this shouldn't be so, but it is more likely a reflection of cost control than an attempt deliberately to avoid genuine claims.
Because their incompetence raises doubts, it can be used to argue a fair and equitable outcome for Skyways.
The insurers also have to prove the condition WAS pre existing, not MAY HAVE BEEN.

It was standard practice across the industry to exclude pre existing conditions, known or unknown. (I too feel it was unfair to exclude pre existing unknown conditions, but it was standard). When there were professional underwriters dealing with professional brokers, who explained the cover to the insured at the point of sale I don't recall these problems being so common. The rise in the practice of banks and other financial institutions selling insurance to obtain the commission has meant ........Sorry I'm on my hobby horse again

Hopefully the new legislation will prevent this type of problem in the future.

[charitynjw]

Re: Medical Insurance Pre existing conditions

Here we go again, slightly off topic (lol)
Not all financial institutions should be tarred with this brush. There are good, there are scammers and there are those who are incompetent.
To imply they are all bad is to use the same sort of argument that says all benefit claimants are cheats, and we know how untrue that is.On this forum we only hear from those with problems so perhaps we have a skewed view.
.

Present company excepted, des!

:rain:

[skyways]

Re: Medical Insurance Pre existing conditions

Hi There,I still have not had any word back from Halifax yet,thats been three weeks since my wife faxed them they acknowleged the fax that is all they have done, I don't know how long I should give them before my next move,i don't even know what the next move is.Can you tell me how long they have before they have to answer a letter with new information,which is what they said they wanted from me? Thankyou.

[di30]

Re: Medical Insurance Pre existing conditions

Hi there
Not had the chance to read through the posts yet, but on complaining its 8 weeks tops, but otherwise I would be in touch with them by 7 or 14 days since they acknowledged the matter.
If you get no joy from the team, maybe contact the Manager or CEO (Chief Executive Officer). (Email would be good).

[skyways]

Re: Medical Insurance Pre existing conditions

Hi There Di ,I have had a lot of advice from the team ,and I thought that new Docs letter would be the end of it,but that was three weeks ago.Just to make clear what happened with Docs letters , my own Doc retired. Halifax asks new young Doc for info, new Doc has a look ,sends part bu tnot right info, Head Doc properly investigates notes,I print letter on Beagles for you to view . Halifax said if I had any new info to send it to them which I have done ,still no reply .I would also like to point out that the new Doc who answered the first fax to the Halifax,to this day I have never met, I don't know him and he has never had an appointment from me. Thanks.

[Turboman]

Re: Medical Insurance Pre existing conditions

I would send a nice polite letter Skyways -now--just asking if they have considered the new letter yet

[des8]

Re: Medical Insurance Pre existing conditions

I would send a nice polite letter Skyways -now--just asking if they have considered the new letter yet

Seconded....no point getting irate yet!

[skyways]

Re: Medical Insurance Pre existing conditions

Will send them a letter.Can you tell me what to put in the letter as I am not very good at letter writing.

[Bill-K]

Re: Medical Insurance Pre existing conditions

Is this any good, Skyways ? Address it "FOR THE EXPRESS ATTENTION OF [the person you sent the Head Doc's letter to] "

Attach a copy of the Head Doc's report, and (if possible) a copy of your covering letter sent with it. Mark them both with the word "COPY" across the main text in blue ink, and sign the letter below in blue ink.
" Dear XXXX,

In your letter of XX/XX/XX you asked me to send you any further information that would assist you in this matter, and on XX/XX/XX I sent you a report from the Senior Practitioner at my own medical centre. This report was compiled after a thorough investigation into my medical history and records and supercedes any previous reports. To date, I have received no acknowledgement of this report, and I am now becoming concerned that it may not have reached you.

Please, therefore, would you kindly acknowledge receipt of this report and let me know what is now happening regarding the investigation into my claim. In the event that this report did not reach you, please find attached a copy of it. In the circumstances, I would be obliged if you now give this matter some urgency and ensure that your colleagues do the same.

Many thanks in anticipation of an early reply.

Yours sincerely,

[Skyways]

Encl: 1 Copy letter.
1 Senior Practitioner's report. "

[skyways]

Re: Medical Insurance Pre existing conditions

Hi Bill-K This is really good I will see if they reply this week ,while at the same time start to get the letter and documents prepared to send to them. Really grateful to to you and glad to have come across the beagles ,thankyou.

[skyways]

Re: Medical Insurance Pre existing conditions

Hi Again Di, Can you tell me what you mean when you say email would be good? Who do you want me to send it to,and thanks for your advice and for taking an interest in my case,also what would you put in a letter to them? Thanks.