Medical Insurance Pre existing conditions

[des8]

Re: Medical Insurance Pre existing conditions

The problem remains that Halifax are treating the Parkinsons as a PRE EXISTING condition, known or unknown.
A quick glance through that great medical dictionary (the Internet) would suggest that Intention tremors are probably not Parkinson.
If possible it might be worthwhile contacting a neurologist to obtain a professional opinion.
A way forward then might be to challenge Halifax to prove the Parkinsons was pre existing. It isn't possible to prove it wasn't, but if challenged (in court if necessary) I wonder if Halifax could prove it was. Could they rely on the diagnoses of Intention tremors as evidence of pre existing Parkinsons?

[Turboman]

Re: Medical Insurance Pre existing conditions

duplicated by accident

[Turboman]

Re: Medical Insurance Pre existing conditions

Des8--Think it wise to just now wait for the reply to the Doc's letter to Halifax of 8/7/2013 as Paul & Eloise01 thinks its enough to change their minds --as the Head Doc is over-ruling what one of his doc's said on the claim form

Lets just wait & see

[Inca]

Re: Medical Insurance Pre existing conditions

Yep...totally concur with that Turbs.....fingers crossed you were right and the devil really was in the detail re the timeline

[des8]

Re: Medical Insurance Pre existing conditions

Des8--Think it wise to just now wait for the reply to the Doc's letter to Halifax of 8/7/2013 as Paul & Eloise01 thinks its enough to change their minds --as the Head Doc is over-ruling what one of his doc's said on the claim form

Lets just wait & see

Of course......Just thinking aloud and discussing possibilities. Not suggesting immediate action!

[skyways]

Re: Medical Insurance Pre existing conditions

Hi There,I want to clear up a point.My Doctor had retired,and it was the new Doctor that sent the first note to Halifax ,and he has only been at surgery a few months,and I have never met him and I only went to Doctor as I have seen him when my own Doc was on holliday.I think the new young man has looked too quickly at the files to get on with his medical work. What is in the notes will be in the notes,no Doctor is going to lie for me. I did not know I had Parkinsons when I took out the loan.It is bad enough the illness without the stress of being classed as a cheat.

[des8]

Re: Medical Insurance Pre existing conditions

Hi Skyways,
Rest assured no one, not even the insurance company, regards you as a cheat. It is solely a technical question.
Your new friends here will continue to assist and support.

[Angry Cat]

Re: Medical Insurance Pre existing conditions

Hi There,I want to clear up a point.My Doctor had retired,and it was the new Doctor that sent the first note to Halifax ,and he has only been at surgery a few months,and I have never met him and I only went to Doctor as I have seen him when my own Doc was on holliday.I think the new young man has looked too quickly at the files to get on with his medical work. What is in the notes will be in the notes,no Doctor is going to lie for me. I did not know I had Parkinsons when I took out the loan.It is bad enough the illness without the stress of being classed as a cheat.

http://www.ico.org.uk/for_the_public..._guides/health

http://www.nhs.uk/chq/pages/1309.asp...categoryid=160

[Inca]

Re: Medical Insurance Pre existing conditions

skyways.........noone is calling a cheat i promise..the guys here wouldn't have worked so hard if they thought that.
Take a few days.........see what happens because of the new information from your Dr..and let's see where to go from there ok?
Chin up......everyones rooting for you:tinysmile_grin_t:

[skyways]

Re: Medical Insurance Pre existing conditions

Hi There I didn't think anyone at the Beagles would think I was a cheat,it is just the way my wife and I feel at the moment and we both would like to thank you for your support and advice, We both know I did nothing wrong and should not be feeling this way.Thanks again.

[Inca]

Re: Medical Insurance Pre existing conditions

Of course you feel 'battle weary'...thats goes with the territory of fighting the system...but I know for a fact if the Beagles thought there was no point fighting you would have been told from the start.
I have MS........and I think I've argued with just about every financial institution on the planet,,every Dr known to Man and every opinion ever given.
The trick is,,,refusing to be defined by your condition...you have Parkinsons NOW..you didn't KNOW then because it wasn't diagnosed.
My own diagnosis was not revealed to me for a few years as many MS patients are lucky enough to only ever have one attack....so never know.
I wish you all the luck in the world with this...and hope you get the right result
xxxxxxxxxxxxxxxxxxxxx

[des8]

Re: Medical Insurance Pre existing conditions

I know Paul and Eloise are working on this but I have been reading this policy document in detail and (at the risk of teaching my gran to suck eggs!) if they haven't noticed this they might find it useful.
IMO the Halifax claims department are misreading their policy.
The Personal Loan Repayments Cover states on page 9 Section 2 ELIGIBILITY B "On the start date you must not be aware of any pre existing condition.............if you are aware........we will not pay.......if your claim relates to that.....pre existing condition"
Obviously the policy only excludes pre existing conditions of which the insured is aware. (the life benefit is different)

The policy wording is contradictory as on Page 10 section Disability cover C Disability Exclusions it states:"We will not pay you disability benefits resulting from any pre existing condition"

Where such contradictions exist the decision goes the way of the non expert.

Contrary to the letter from their claims department it is not the existence of the precondition, but the awareness of that precondition which is important.

Would be helpful to see the Initial Disclosure Document for this policy if it is available

[Bill-K]

Re: Medical Insurance Pre existing conditions

It was looking a bit 'hit and miss' earlier, and we were becoming doubtful of the chances of success - but that letter from the Doctor really looks like it has given this claim a new pair of wings. Well done to Skyways for your persistence, and well done to Turbo for your sheer b100dy-minded Yorkie determination to get every piece of detail assembled and evaluated. Well done to Eloise and her friend Paul for being able (and willing) to treat this with cold hard professionalism - and well done to all others who have helped to get Skyways this far. We now have to wait for Halifax's reaction to the Doctor's letter - but I really do hope that this will snatch victory from the jaws of defeat.

We must be prepared for a skirmish, though, so I don't think it a bad thing if a few 'what ifs' are discussed meanwhile. "Be Prepared" - as every good Boy Scout will say - and every naughty Boy Scout, for that matter !!! So I agree with Turbo's proposals and with what appears to be the consensus here, that we try our damnedest to get Halifax to accept that the condition had NOT been diagnosed at the inception of the policy, and that it could therefore NOT be considered as existent at that point or any time prior to then. I think the point that was made by Des8 - that Halifax now have the task of proving that Parkinson's WAS pre-existent, as opposed to Skyways trying to prove that it wasn't - is an important 'shifting of the burden.' In that respect, I think some 'what ifs' could be discussed.
But I am only posting here as an observer (and a mate of Turbo's - he has precious few, bless him. :tung: ) I just want to give ALL you guys some acknowledgement for what you're doing here, and some encouragement to keep you all doing it !!!

As for Skyways - part of the strategy of these lenders is to make you feel as though you are the lowest form of life, and to demoralise you into giving up before you have even started. You are no more of a cheat than they are. Consider the recent revelations regarding Lloyds conduct, then previously Barclays et al with the LIBOR-fixing scandal. No, mate - YOU are not a professional scammer. I honestly can't say the same for the banks, in the light of the evidence that is now in the public domain !!!

[des8]

Re: Medical Insurance Pre existing conditions

One other point I meant to make.
Halifax rejection letter refers to Accident And Sickness section of the policy. there is no such section. This letter is a standard letter of rejection, pulled up by some spotty urchin who hasn't got a clue on how to read a policy, and signed by a manager who doesn't know how to check what's put in front of him.
Typical of the current financial industries!
But that's my rant over for tonight. Where's that single malt

[Bill-K]

Re: Medical Insurance Pre existing conditions

The policy wording is contradictory as on Page 10 section Disability cover C Disability Exclusions it states:"We will not pay you disability benefits resulting from any pre existing condition"

Where such contradictions exist the decision goes the way of the non expert.

Contrary to the letter from their claims department it is not the existence of the precondition, but the awareness of that precondition which is important.

I have to say that I was never happy with the suggestion that the EXISTENCE of the pre-condition had priority over the claimant's AWARENESS of it. The fact is that ALL of us are gonna die of something, and it is perhaps arguable that we ALL have a pre-condition which will eventually bring about our natural demise. Some of us have a pretty good idea of what that is likely to be via family medical history, but many of us have no idea - and the Gene Pool ensures this. It could even be said that someone who uses public transport more than most is likely to meet their end under the wheels of a No.9 bus - but that is NOT a pre-existent illness.

I do think that the idea of 'Awareness' may need to be looked at - along with the idea of 'Likelihood.' Halifax may well argue using these ideas, as they are both under the umbrella term of 'Risk' - which is surely the central term of all insurance policies.