Medical Insurance Pre existing conditions

[Turboman]

Re: Medical Insurance Pre existing conditions

Seconded-Thirded & Fourth'd----its certainly goes off topic

Lets all just wait patiently till Skyways tells us what he's got--without needless hypothetic discussion

Then depending upon that--we can progress-or advise the SAR route if he aint got anything

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!

[skyways]

Re: Medical Insurance Pre existing conditions

Hi turbo, the policy is in the house, and I don't know a great deal about computors so I don't know how to post it.my daughter is in the police and will do it for me when, I hope in the next few days, I myself am a high class Cabinetmaker of fine furniture now retired with my health. I am really grateful for your thoughts,and hope the forum advise me on what path to take .

[Turboman]

Re: Medical Insurance Pre existing conditions

Thats good Skyways--

we'll just take this slowly and go at your pace by me asking a few questions--these initial ones to simply determine what kind of insurance it is-Medical or PPI (as we suspect it is)

On your Policy

• Tell me the Lender on the top?
  
• Tell me the Title of the document--ie I'm trying to ascertain if its a normal PPI Policy?

Me & Bill have got various policies printed out from helping people over the years and I might have one like yours if we can identify it.

Can you find the Consumer Credit Agreement?

I know it will detail the amount of the Loan, the mthly payment and the duration of the loan but:
I am also interested if this shows the following:

• A separate PPI Loan Amount Premium with a separate mthly payment shown?
• The total of Loan & PPI Loan amounts and a total of the mthly payment amount?

Re sending us the scans--as I said --your daughter can send stuff to simiantics@gmail.com where me & bill-k share a joint E-mail address where we deal with people's forms and statements where posters require confidentiality. She can either edit out the personal stuff like account number & name by either computer methods or simply using a black felt tip (easiest). Me & Bill can then summarise the salient points and post on the thread for others following this thread to view.

[Later, we may show you how to obtain a Subject Access Report under the Data Protection laws which will give you written evidence (and recorded telephone calls if applicable) of everything the Halifax have about you---forarmed is forewarned --but we'll leave that till later if we decide we need it --& di30 will help us.]

Turbs

Hi turbo, the policy is in the house, and I don't know a great deal about computors so I don't know how to post it.my daughter is in the police and will do it for me when, I hope in the next few days, I myself am a high class Cabinetmaker of fine furniture now retired with my health. I am really grateful for your thoughts,and hope the forum advise me on what path to take .

[skyways]

Re: Medical Insurance Pre existing conditions

Will do ,and many thanks.

[Bill-K]

Re: Medical Insurance Pre existing conditions

edit out the personal stuff like account number & name by either computer methods or simply using a black felt tip

I would suggest that - if using a felt tip pen, etc., it would be better to make copies of any original documents, and then anonymise those. The originals might be needed at a later time.

[Turboman]

Re: Medical Insurance Pre existing conditions

Just an update

we are receiving loads of stuff from Skyways ( over 35 pages so far) which I will summarise over the weekend so you guys can participate again---[on-topic of course-lol]

Lots more complicated than we thought

[Eloise01]

Re: Medical Insurance Pre existing conditions

Just an update

we are receiving loads of stuff from Skyways ( over 35 pages so far) which I will summarise over the weekend so you guys can participate again---[on-topic of course-lol]

Lots more complicated than we thought

Could you possibly not keep us in suspense - is it PPI or medical insurance?????

[MIKE770]

Re: Medical Insurance Pre existing conditions

Could you possibly not keep us in suspense - is it PPI or medical insurance?????

suspenders? Oh! suspence = sorry

[Turboman]

Re: Medical Insurance Pre existing conditions

Home Loan Repayment Cover (PPI under a different name) over 11 years--not the usual PPI 5 yrs

Could you possibly not keep us in suspense - is it PPI or medical insurance?????

[TUTTSI]

Re: Medical Insurance Pre existing conditions

It could be that they do not know yet, I am sure our Turbs will explain soon x

Could you possibly not keep us in suspense - is it PPI or medical insurance?????

[Turboman]

Re: Medical Insurance Pre existing conditions

Yep--I don't want to discuss it yet as Skyways is searching house for evenmore paperwork---I'm gradually getting nearly all the stuff I want
Just to say-they ARE paying out on the Mortgage PPI taken before 2007 doctors appt (50% that is--ie joint insured)

[Bill-K]

Re: Medical Insurance Pre existing conditions

I've worked with Turbo for a few years now, and his analytical brain is quite fearsome when he gets it into gear. He is gradually coaxing all the required info from Skyways, who has himself done brilliantly in finding the requested documents, and then mastering the technology to scan and send them. Well done Turbo AND Skyways !!!

So - for those in suspenders, please hang on a bit longer if you can. I know those things can chafe (OMG, did I just admit that ? )

[des8]

Re: Medical Insurance Pre existing conditions

Home Loan Repayment Cover (PPI under a different name) over 11 years--not the usual PPI 5 yrs

Sounds like what many years ago was called Mortgage protection policy. Look forward to further details.

[Turboman]

Re: Medical Insurance Pre existing conditions

Overview


Over the past few days I have liased with Skyways (in mine & Bill's Simiantics@gmail.com E-Mail address) to try and learn the facts around his situation as posted in his opening post where he was refused his claim because of Halifax deciding on an issue of a pre-existing medical condition.

After lots of exchanged documents ( some that are not neccessary) I believe I have coaxed as much information from Skyways as he has got-- or can remember,-- so I hope the following few posts will supply a lot of the information that posters were asking for.

My role in Simiantics has been to liase with Skyways to obtain documents-- and myself follow up with relevant further questions---we have a policy where neither me nor Bill will give advice privately ( except to answer queries on spreadsheets we have devised or on detailed mathematical calculations) -- so I have not expressed any opinion at all privately, merely collecting information so that the existing support posters can join in again-- with the benefit of more information as posted below in the next few posts..

Initially, there was a bit of confusion as the reply to the claim was to pay the Repayments Cover on the Mortgage but refuse it on the Home Loan.

The 2003 Mortgage Protection Policy was taken out well before the January/2007 visit to the doctors and therefore Halifax are paying on that one--providing monthly payments are maintained.
In fact, the amount being paid is only 50% of the total mortgage payment as the policy was joint with Mrs Skyways

I subsequently received the original documentation for the 2003 Mortgage Payments Protection Cover as well as the 2007 Home Loan Payments Protection Cover.

Therefore, in the next post I include paperwork on how in 2003 Halifax verified eligibility to compare with 2007 procedures.

Earlier on in Skyways thread--we debated the insurances being conventional PPI Policies that only cover the first 5 years.
These are usually for unsecured loans.
Now that I have access to more info.-we can see that these insurances are not single premium upfront policies--but insurances that cover the full term (if the monthly additional payment is kept up) and a claim can be undertaken at any time during the term (subject to a maximum number of monthly benefits as in the T & C's

[Turboman]

Re: Medical Insurance Pre existing conditions

B]

2003 Mortgage Payment Protection Cover- [TMPP][/B]

I include these to illustrate the questions that had to be answered in 2003---outlined in red is quite interesting



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