Time limit on claiming against medical insurance?

TommyMonkey

I had a BUPA policy with work but no longer work for the company and so the policy has expired.
I spoke to BUPA about a c section I had in Oct 2007 - they give you a compensation type payment of £200 if you have a c section but don't claim for private room etc. However, I was told that I have left it too late to claim, I am only entitled to it if I had made the claim within 6-12 months of the op. I didn't think there would be a time limit on making the claim (or if there is it would be more like 5 years).
Does anyone know if there is a time limit on making a claim?
Thanks

Quentin

Whoever told you you must claim within 6 to 12 months sounds like they were just guessing, and not speaking with any authority on the topic - if there is a closing date it will be finite, and not "6 -12 months"! (eg why couldn't you claim immediately on discharge from hospital?)

You would need to check the policy. As it was a company policy, presumably the company distributed the policy (which may not have been a standard "off the peg" BUPA policy) to eligible employees. If you no longer have yours, maybe the company HR dept can help?

PNPSUKNET

3 years a little on the late side, why so long?

TommyMonkey

Hi thanks for replies

It has taken me so long because I didn't realise I could claim for it at all. I knew there was a pregnancy/childbirth exclusion so didn't realise that c-section was actually covered. I didn't pay for a private room so it's not a re-imbursement of costs incurred, it's a payment for not actually making a claim... bit complicated I know.
I only realised that it was possible to claim when a friend in a similar situation made a claim through BUPA for the same thing.
I will try and speak to someone next week when offices open, as you state 6-12 months is a bit vague so probably worth another try.

I can't check documents because it was all paperless and I don't have access to the system anymore.
Kind regards
Gemma

Brize

The time limit is usually within six months of receiving the treatment for which you are claiming, unless this was not reasonably possible.