Medical Insurance Pre existing conditions

[Eloise01]

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?"

Yes that is what they are relying on. But it doesn't make it true, does it?

[charitynjw]

Re: Medical Insurance Pre existing conditions

Yes that is what they are relying on. But it doesn't make it true, does it?

No it doesn't.
I'm just wondering whether it might be worth a punt at specific performance of the policy.
It appears to me that OP had 'clean hands'.
But, unfortunately, I'm not one who decides.

[Turboman]

Re: Medical Insurance Pre existing conditions

Will look at this tonight. .on phone at hospital at moment and typing a pain
Willone of youbpm bill-k and di30 fir me with link to here

[Eloise01]

Re: Medical Insurance Pre existing conditions

No it doesn't.
I'm just wondering whether it might be worth a punt at specific performance of the policy.
It appears to me that OP had 'clean hands'.
But, unfortunately, I'm not one who decides.

I agree there's possibilities. Any possibility is worth a shot. Right now the OP has nothing to lose because the insurer will claim misrepresentation (not missold) as you said. But from what I can see of them PPI policies are not only shockingly sold, but also some of them seem to be shockingly drafted.

[Eloise01]

Re: Medical Insurance Pre existing conditions

Will look at this tonight. .on phone at hospital at moment and typing a pain
Willone of youbpm bill-k and di30 fir me with link to here

Thanks Turbo - will do that now.

[Angry Cat]

Re: Medical Insurance Pre existing conditions

I have pm'd Bill!

And will leave it to you guys.

[Hurricane Puffrose]

Re: Medical Insurance Pre existing conditions

I would strongly suggest holding fire on cancelling until one of the experts looks in about this, and then only after you check every term and condition in your policy, and checking with a free legal advisor (CAB for example) will not hurt in the slightest.

as my old dad used to say, check twice act once.

[di30]

Re: Medical Insurance Pre existing conditions

Hi folks and thanks for the pm to alert us on this ;-)

Well in my opinion on this, you have wasted paying in PPI to protect you, and if they had discussed the policy with you at the branch where it was sold and set up, then this would have given you the opportunity to have said no to the PPI, yet it doesnt look like you had a choice but to take it out.

I take it they did not go through the details with you when they set it up? x

[skyways]

Re: Medical Insurance Pre existing conditions

I could not declare a medical problem as I did not know I had one,,it was a tremor ,there are a number of illness that show signs of tremor,what could I put down,what illness,it was 9 months later I was diagnosed with parkinsons,I did not think I had to tell them then it never entered my head, can you imagine oh good I have parkinsons now I can claim on the insurance. 7 years have passed since the cover was taken out. How many years would a crook have given them, I tried to keep on working as long as possible,and believe me insurance did not enter my head once.

[di30]

Re: Medical Insurance Pre existing conditions

Hi Skyways, sorry for mis-reading ;-)

Have you tried writing/emailing the CEO of the business about this?

As you are aware, as this condition was not in existence when you taken out the policy, it's one they should have paid out on on a claim (By the way so sorry to hear this) x.
Sometimes it helps now to go straight to the top, give them the opportunity to put this right for you.

[skyways]

Re: Medical Insurance Pre existing conditions

Hi There, I cant remember too much as it was almost 7 years ago,but I certainly would know that if they had mentioned pre existing illness I would know as I would have to tell them ,also I would still be reeling from the shock of being diagnosed with parkinsons, I did not know I had parkinsons till 8 months later.

[di30]

Re: Medical Insurance Pre existing conditions

Hi There, I cant remember too much as it was almost 7 years ago,but I certainly would know that if they had mentioned pre existing illness I would know as I would have to tell them ,also I would still be reeling from the shock of being diagnosed with parkinsons, I did not know I had parkinsons till 8 months later.

What I would try to do, if you've not done so yet, is contact your GP and ask for dates of the diagnosis (just to cover you), they shouldnt charge for that, or even the nurse at your docs surgery, then confirm this to Halifax and give them the opportunity to contact them themselves, (I doubt they will even go that far), but take it straight to the top.
Trust the business to be Halifax!!! It's always them!

[di30]

Re: Medical Insurance Pre existing conditions

.........They have failed you, and it's a lot to pay out each month, that have added up over the years, plus interest!

[skyways]

Re: Medical Insurance Pre existing conditions

Hi Di, I will try again I will write to CEO ,many thanks.

[charitynjw]

Re: Medical Insurance Pre existing conditions

Hi Skyways, sorry for mis-reading ;-)

Have you tried writing/emailing the CEO of the business about this?

As you are aware, as this condition was not in existence when you taken out the policy, it's one they should have paid out on on a claim (By the way so sorry to hear this) x.
Sometimes it helps now to go straight to the top, give them the opportunity to put this right for you.

Hi Di

It would be advantageous to go through the terms & conditions of the policy before approaching the insurance co.
There may be a continuing onus clause for the OP to disclose asap anything which may alter the original terms of the agreement.
If so, that would have been the case when the diagnosis was made in 2007.