Medical Insurance Pre existing conditions

[charitynjw]

Re: Medical Insurance Pre existing conditions

Hi again, could I just ad that I could have just went on sick leave for the next whole year as my fellow workers advised ,but that's just not in my work ethic and now I feel like I have taken part in an insurance scam almost 7 years later.also do I keep on paying this insurance,its no good now is it?

Hi

How do you pay? (monthly, annually)
& how were you informed that the cover would cease, verbally or in writing?

[Angry Cat]

Re: Medical Insurance Pre existing conditions

Hi again Skyways here ,the loan was taken out in Feb 2007,the doctor said it was in its notes 3 weeks previous which was Jan 2007,but it was always could be this could be that,it was 8 months later that suspected parkinsons that was oct 2007 official diagnosis Dec 2007 that's when I began medication.

The PPI was clearly mis-sold!

How was the Loan PPI sold to you?
Did you apply on-line;
by post or;
in a store/bank?

Do you still hold a copy of the original PPI policy and terms?

[skyways]

Re: Medical Insurance Pre existing conditions

Hi There ,payments are still taken off monthly .We were informed by letter that we were not covered.

[Angry Cat]

Re: Medical Insurance Pre existing conditions

Hi again, could I just ad that I could have just went on sick leave for the next whole year as my fellow workers advised ,but that's just not in my work ethic and now I feel like I have taken part in an insurance scam almost 7 years later.also do I keep on paying this insurance,its no good now is it?

If, you cannot make a claim you must cancel!

Also, this is not about morality or work ethics. It is about being sold a useless PPI product that you could not make a claim on!!!

[skyways]

Re: Medical Insurance Pre existing conditions

HI ,Will try to find original policy ,been so stressed by this problem.

[Eloise01]

Re: Medical Insurance Pre existing conditions

If, you cannot make a claim you must cancel!

Also, this is not about morality or work ethics. It is about being sold a useless PPI product that you could not make a claim on!!!

Don't cancel yet! Give it a few days at least. If this is PPI then we have some real scary experts on PPI on here (remember, it's Monday, and people work) although I am not one of them! You don't want to do anything that could be interpreted as you bringing the policy to an end until someone with expertise in the area tells you you should (Sorry AngryCat, not criticising you, but on something like this, in the OP's shoes I would want several opinions that told me to do something before I did something wrong!). You've paid since March - a few days now won't matter too much, but you'd kick yourself if someone can evidence that the policy isn't missold and applies and you have cancelled it! Just give people some time to get back to you and dissect the issue.

[Angry Cat]

Re: Medical Insurance Pre existing conditions

Please, don't be stressed, you are not alone!

Also, there are other factors involved in a PPI sale that could have rendered the policy as mis-sold:
Please, open the following link:
http://www.which.co.uk/campaigns/per.../mis-sold-ppi/

We will all help you sort things out.

XXX

[skyways]

Re: Medical Insurance Pre existing conditions

Hi ,the loan was sold to us in the bank.

[Angry Cat]

Re: Medical Insurance Pre existing conditions

Don't cancel yet! Give it a few days at least. If this is PPI then we have some real scary experts on PPI on here (remember, it's Monday, and people work) although I am not one of them! You don't want to do anything that could be interpreted as you bringing the policy to an end until someone with expertise in the area tells you you should (Sorry AngryCat, not criticising you, but on something like this, in the OP's shoes I would want several opinions that told me to do something before I did something wrong!). You've paid since March - a few days now won't matter too much, but you'd kick yourself if someone can evidence that the policy isn't missold and applies and you have cancelled it! Just give people some time to get back to you and dissect the issue.

What!?

The OP has been paying since 2007 and informed that he cannot make a claim this year: 2013!

Of course, wait until he/she can find the policy. But, unless he/she can make a miraculous recovery or, returns to work and then after 6 months a claim may be possible?
However, in this case this looks to be unlikely

[charitynjw]

Re: Medical Insurance Pre existing conditions

If, you cannot make a claim you must cancel!

Also, this is not about morality or work ethics. It is about being sold a useless PPI product that you could not make a claim on!!!

Not too sure about this.
The insurance co seem to be saying that they issued the policy in good faith, & all things being equal, they would have honoured the contract, so not missold.
However, because the OP didn't declare a medical problem, they can now 'avoid' the contract via the 'utmost good faith' doctrine.

[Angry Cat]

Re: Medical Insurance Pre existing conditions

Hi ,the loan was sold to us in the bank.

PPI mis-selling checklist

If you can answer 'no' to one or more of these questions, then you may have been mis-sold PPI.

• If the insurance was optional, was that made clear to you?
  
• Did the adviser tell you about any significant exclusions under the policy – for example, the exclusion that says you won't be covered for any pre-existing medical condition?
  
• If you took out a loan or finance agreement, did the adviser make it clear that you would have to pay for the insurance up front in one single payment?
  
• If you had to pay for the PPI as a single payment, did the adviser make it clear that the insurance cost would be added to the loan and you would be paying interest on it?
  
• Single premium PPI insurance normally only lasts for five years. If your loan or finance agreement was for longer than this, did the adviser make it clear that the insurance would run out before you had finished paying for your loan or finance agreement? The adviser should also have told you that you would continue to pay interest on the insurance premium, even after the insurance expired.
  
• If you bought PPI after 14 January 2005 did the adviser try to persuade you to take it out by saying something like 'we strongly recommend that you consider taking out PPI'? If so, the sale counts as an 'advised' sale and they should have issued a 'demands and needs statement' to show why a particular policy has been recommended and why it is suitable for you. If they didn't, this is grounds for complaint.

[Eloise01]

Re: Medical Insurance Pre existing conditions

Not too sure about this.
The insurance co seem to be saying that they issued the policy in good faith, & all things being equal, they would have honoured the contract, so not missold.
However, because the OP didn't declare a medical problem, they can now 'avoid' the contract via the 'utmost good faith' doctrine.

I agree. But conversely, if it was not missold because they didn't ask the question then it may leave them open to challenge. As I said, PPI isn't my area of law - but it's a contract like anything else, and contracts are subject to legal challenge. That's why I'd be more comfortable if someone with a legal background in PPI looked at the possibilities. You cannot declare what you have not been asked! It's probably a long shot but it's a long shot worth taking - a friend of mine got her PPI payout on a fixed term contract ending because the policy excluded fixed term employment, but she had never had any other sort of work and they didn't ask that question!

[charitynjw]

Re: Medical Insurance Pre existing conditions

The insurance co are suggesting that there was misrepresentation by the OP of the second bullet-point.
"...the exclusion that says you won't be covered for any pre-existing medical condition?"

[Eloise01]

Re: Medical Insurance Pre existing conditions

What!?

The OP has been paying since 2007 and informed that he cannot make a claim this year: 2013!

Of course, wait until he/she can find the policy. But, unless he/she can make a miraculous recovery or, returns to work and then after 6 months a claim may be possible?
However, in this case this looks to be unlikely

I really didn't suggest that he would make a miraculous recovery or return to work or to wait six months. I suggested a couple of days to let people mull this over and make sure that the possibility of making a claim is not viable. Just because the company decided they wouldn't pay out does not make them right to do so. It depends on what the contract actually says. Like I said, it may be a long shot but it's one worth eliminating before the OP does anything precipitate.

[Angry Cat]

Re: Medical Insurance Pre existing conditions

Hi There I would be grateful for any advice. This is my problem. In January 2007 I had to go to docs with a slight tremor in my hand,Doc thought it could be number of things such as essential tremor, parkinsons,wrestless arm,or stress. I was referred to consultant October 2007 ,thought it was parkinsons, needed a second opinion, Saw final consultant December 2007. Final diagnosis Parkinsons.Well I worked all those years up to February this year when I was paid off due to ill health and could not carry out my duties. We thought we were covered by Halifax insurance, to our dismay Halifax says you are not covered as you took out a loan knowing you had Parkiinsons,the loan was in February2007 ,but I was not officially diagnosed till December 2007, Because Parkinsons was mentioned in the doctors notes as well as other could bees they decided not to cover me. If I had known I had a serious illness insurance was the last thing on my mind, my world had collapsed around me,and I can assure you insurance was the last thing to think, I was too overcome by a fear of what lay ahead of me. why would I keep working all those years and eventually had to give up work? I presented myself at work for as long as I could as it is not in my character to give up.I want to fight Halifax but don't know how and I am already fighting a battle, Sorry to be so sad,hope I can get advice. Thanks.

It is very easy for BoS/Halifax to have said that they issued the policy in 'Good Faith'. And, of course now for Lloyds plc to now be spouting same or similar...they would. Because these front loaded PPI policies were very lucrative!

There are many hurdles that Lloyds plc will have to overcome in order to prove that the PPI was not mis-applied or mis-sold.

Consumers are not clairvoyant and one could equally say that the OP took out the PPI in 'Good Faith', also.

Having suffered for years myself with a long term illness, which started quite innocently. However, upon checking back through my medical records, the problem had reared its head when I was a child.

These firms don't want to pay out on PPI policies, in fact they dislike paying out on any type of insurrance you care to think of!