Medical Insurance Pre existing conditions

[charitynjw]

Re: Medical Insurance Pre existing conditions

See previous post - "jump into the pool"



msl:

[Bill-K]

Re: Medical Insurance Pre existing conditions

LOL - My youngest daughter luurves SpongeBob Squarepants. Why ? - because she knows I can't stand the spongeing sucker. She also hates the gorilla avatar I use - maybe because she doesn't like bananas, but maybe because I'm just her dad.

Sometimes, you just have to admit defeat when kids are involved.

LOL - How are you these days, CJ ? :tung:

[charitynjw]

Re: Medical Insurance Pre existing conditions

Hiya Bill,

Can't grumble (well, I can & do, but nobody bl**dy listens!!)

(Apologies to OP for hijacking the thread)

[skyways]

Re: Medical Insurance Pre existing conditions

Hi ,I Feel like I have walked into a lions den with all you educated people ,this is what my wife wants to do after reading all your letters as she now has power of attorney over me as I have parkinsons.Things seem a little clearer after reading all you have taken the time to inform me of what could be very helpful. She is like myself a bit scared to take on the Halifax,as we still have a mortgage with them,she wants to see if they will change their minds as the consultant might write to them to see if this might help,as he diagnosed me in December2007. Pre existing conditions, could be a whole list of illnesses when showing signs of a hand tremor,the Doc says to me you have essential tremor ,then restless arm,then parkinsons,stress,anxiety, then he puts all this in his notes,he has not told you what is wrong he has to refer you to the consultant,consultant makes the diagnosis and medicates you,almost 10 months after theories in the Docs notes,Halifax goes for list of theories 10 months before diagnoses,very clever,,makes me look like a crook. The ppi thing about the 5 years looks interesting as I claimed after 6 years. I will keep you informed,but I cant see Halifax backing down.

[des8]

Re: Medical Insurance Pre existing conditions

Hi Skyways, be careful how you word your approach to the Halifax.
You haven't yet clarified what sort of policy you have (PPI or stand alone health insurance) nor do we know exactly why Halifax have declined the claim.
If it is PPI it most likely will have a clause excluding pre existing conditions, whether or not you knew about them. In that case you might be able to argue that the policy was mis sold in that you weren't told of that clause. If you had been told you would not have taken the policy because you had just heard you might have Parkinson's.
On the other hand if it is a stand alone policy, you will have completed a proposal. As was mentioned in an earlier post you have a duty of utmost good faith and must mention to underwriters anything, however slight, which might influence their judgement. In that case you may have to argue that you did not realize there was a possibility of Parkinson's. Perhaps the doctor did not tell you what he put in his notes, or mentioned it in a fleeting jocular manner so you took it as of no account.

Without accurate detailed information as requested in a number of posts the advice you get will, of necessity, be full of "ifs" & "buts": even be contradictory and certainly confusing as we all give advice from different angles.

[Angry Cat]

Re: Medical Insurance Pre existing conditions

Hi AngryC.
When I first posted, and even now, we are not sure if this is PPI or stand alone medical cover. In my first post I did say we also needed to see the promotional material used.
This was because if this was PPI with no proposal the promotional material is important. If the promotional material is what you rely on and it is not accurate and not reflected accurately in the policy the insurer has a problem. I know this from personal experience some 20years ago when promotional material did not mention the policy's 12 month limitation on payout, but gave the impression it was open ended. Barclays were miffed when the judge agreed with me

If, it was stand alone medical cover, then the OP would have had to have a medical; that is normal!
PPI, is another world altogether; it was unregulated and came under 'General Insurance'. It was a very lucrative products, a money spinner, sold/pushed by commission driven hungry and reckless Bankers etc...

[Turboman]

Re: Medical Insurance Pre existing conditions

Right sky ways
Let's slow down and just deal in "black and white"
. Tell us first what paperwork you have from Halifax from 2007

The Consumer Credit Agreemrnt for the loan is the most important...then tge Policy

[Eloise01]

Re: Medical Insurance Pre existing conditions

If, it was stand alone medical cover, then the OP would have had to have a medical; that is normal!
...

Not any more I am afraid. There is now a preponderance of companies that I wouldn't recommend touching with a bargepole who offer "cheap" (a relative term) medical insurance without any form of medical. They are notorious for wriggling out of payouts on exactly these sorts of grounds. Makes you afraid to go to the GP with a headache in case he writes "brain tumour?" in his notes :tinysmile_cry_t:

[MIKE770]

Re: Medical Insurance Pre existing conditions

Not any more I am afraid. There is now a preponderance of companies that I wouldn't recommend touching with a bargepole who offer "cheap" (a relative term) medical insurance without any form of medical. They are notorious for wriggling out of payouts on exactly these sorts of grounds. Makes you afraid to go to the GP with a headache in case he writes "brain tumour?" in his notes :tinysmile_cry_t:

Can you list these companies, as some of us would wish to avoid?

[Angry Cat]

Re: Medical Insurance Pre existing conditions

Hi ,I Feel like I have walked into a lions den with all you educated people ,this is what my wife wants to do after reading all your letters as she now has power of attorney over me as I have parkinsons.Things seem a little clearer after reading all you have taken the time to inform me of what could be very helpful. She is like myself a bit scared to take on the Halifax,as we still have a mortgage with them,she wants to see if they will change their minds as the consultant might write to them to see if this might help,as he diagnosed me in December2007. Pre existing conditions, could be a whole list of illnesses when showing signs of a hand tremor,the Doc says to me you have essential tremor ,then restless arm,then parkinsons,stress,anxiety, then he puts all this in his notes,he has not told you what is wrong he has to refer you to the consultant,consultant makes the diagnosis and medicates you,almost 10 months after theories in the Docs notes,Halifax goes for list of theories 10 months before diagnoses,very clever,,makes me look like a crook. The ppi thing about the 5 years looks interesting as I claimed after 6 years. I will keep you informed,but I cant see Halifax backing down.

My/Our heart goes out to you both!!!

Try to remain focused and be brave...

It would benefit greatly if, you could post up a copy of the original policy that you held with Halifax/HBOS.

Lloyds TSB plc, are handling the PPI claims re: Halifax. And there is a Halifax PPI Financial Ombusdman Service (FOS) form that you can complete re: Lloyds/Halifax PPI claims:
http://www.halifax.co.uk/contactus/h...ain-about-ppi/

Get your GP/Consultant on your side. At the end of the day if, the policy was mis-sold the facts will speak for themselves and nothing whatsoever to do with making you feel, as you say, like a crook.

Persevere and if, necessary take your complaint to the FOS. But that of course, is a last resort.

[Eloise01]

Re: Medical Insurance Pre existing conditions

I can't - I have only heard about them through a friend who deals with cases against such companies, amongst other things. But I will ask, although the dead give away is big letters on their promotional material saying "no medical required"! I have private medical cover (something I have struggled with for years because I hate having it being a supporter of the NHS - but when it comes to my health, and given the state of the NHS...?) and the company had my GP's notes and an independant medical before they would insure me. But then, to be fair, they have subsequently never tried to wriggle out of paying up (not, cross-fingers, that I have had to claim often!), and the one time I needed an operation I was in with the consultant one day, admitted two days later, and done and dusted in the day and out. The waiting time for the NHS was 27 weeks (not counting cancellations, postponements and acts of God) for treatment that would have been at least three days in hospital.

[Angry Cat]

Re: Medical Insurance Pre existing conditions

Not any more I am afraid. There is now a preponderance of companies that I wouldn't recommend touching with a bargepole who offer "cheap" (a relative term) medical insurance without any form of medical. They are notorious for wriggling out of payouts on exactly these sorts of grounds. Makes you afraid to go to the GP with a headache in case he writes "brain tumour?" in his notes :tinysmile_cry_t:

Only a fool would buy medical cover insurance from 'cowboy' companies; especially after all the mis-selling scandals...

Consumers, are wising up and now know that they have to declare the pre-existing conditions. Travel insurance, is a great example of doing same, because you can obtain satisfactory cover, at a higher price of course, but at least the Consumer has Cover.

Not nice to end up in the USA with a $20,000 U$D medical bill just because the Consumer purchased cheap and dubious Cover, that is no Cover!

[Eloise01]

Re: Medical Insurance Pre existing conditions

Only a fool would buy medical cover insurance from 'cowboy' companies; especially after all the mis-selling scandals...

Consumers, are wising up and now know that they have to declare the pre-existing conditions. Travel insurance, is a great example of doing same, because you can obtain satisfactory cover, at a higher price of course, but at least the Consumer has Cover.

Not nice to end up in the USA with a $20,000 U$D medical bill just because the Consumer purchased cheap and dubious Cover, that is no Cover!

I couldn't agree more. Unfortunately, and I don't deal with medical claims so I have to trust my friend on this one, he says more and more people are falling for them! And it is precisely the ones that have pre-existing conditions, but don't realise it or think they'll get away with it. Don't think about the really serious diseases - yes, people think of them, and know they have to declare things like cancer etc. What about the cartilage damage that you did to your knee playing tennis (that did say another game, but I changed when I realised it might not get through Cel's version of a swear filter!) 20 years ago and never had a problem since, and frankly have forgotten all about - but is in your medical records. Knee replacement - "pre-existing condition". Most people get little things, not big things, and that's where the majority of potential claims are. People see the state of the NHS, worry about what they would do if they got ill, but they aren't planning on the big things - they are thinking about 12 / 26 weeks off work and whether they'd get sacked or not, and who pays the bills while they are sick. They make easy prey - or at least, that's how I see it works. As you said, the better cover costs more, and there are the tests - but they aren't actually as onerous as arguing about it after the fact. The fact is that my medical insurers know I broke my ankle aged 4 (me and a slide had an argument) and they have checked it and me and are satisfied that there is nothing wrong with it - so if I get arthritis in that ankle when I am old and grey, then that won't be excluded because they are satisfied there is no reason to. Medical tests actually protect both the company and the consumer, and really ought to be obligatory - that way there is no wriggle room for either! It's much fairer all around.

[des8]

Re: Medical Insurance Pre existing conditions

[QUOTE=Angry Cat;352187]If, it was stand alone medical cover, then the OP would have had to have a medical; that is normal!

As Eloise said: not necessarily.
There are many types of medical insurance:Life assurance (bound to get a payout there...perhaps not!), critical illness cover, income protection,accident & sickness insurance: mortgage protection and even PPI includes medical cover. It will depend on how much cover you want, how long for, where you live, what your employment is etc etc as to whether or not an insurer will require a medical, or will be satisfied with a report from your own doctor, or won't want anything at all (except your money:tinysmile_grin_t. Each company has its own guidelines, as with any insurance.
Each company also has its own proposal form and individual policy wording, and whilst they may have similarities it is difficult to offer individual guidance with 100% sureness without seeing the particular wordings.

This is where I regret the passing of the old fashioned broker. He not only found the best policy for you, he would handle claims properly and negotiate with the claims underwriter. Not just a tick box mentality.

[Angry Cat]

Re: Medical Insurance Pre existing conditions

I think it is best if, we all keep this thread on topic.

The problem that skyways has had relates to PPI. Therefore, it seems futile to start discussing all the other types of insurance that could fail!