Help Insurance co. Might not pay out!

Incapuppy

Edwardia wrote: »

I have diabetes. I'm covered for free under OH's insurance with his bank and they are quite happy to insure me with diabetes so shop around.

Good grief! Try reading the OP properly will you?

Edited to add: Edwardia I am genuinely sorry, I did not realise you were replying to a post by someone other than the OP and so I am myself guilty of that which I accused you. I will learn to read more accurately before commenting in the future; the phrase 'hoist by my own petard' comes to mind. Again, many apologies.

ognum

In my experience insurance companies will always try not to pay out and when interviewed you need to be aware of exactly what you are saying because they listen to each word and make decisions based on these.

Do you think it is worth a discussion with a solicitor or a no in no fee firm regarding this. You should at the very least read the policy very carefully and maybe a discussion with citizens advice would help.

rhianna99

I agree these life insurances will use anything to try and wiggle out of paying. My dad has been diagnosed with terminal kidney cancer and when he tried to claim on his life insurance was told that after looking through his medical records that sometime before the policy was taken out he had been to gp and had his blood pressure taken, and that this had been high. They noted that the doctor had written in his notes that this was probably white coat syndrome as his BP had been ok last time it was checked. The insurance refused to pay out saying that my dad had not informed them of this high BP reading, and if he had then they wouldn't have insured him because having a high BP is a sign of kidney cancer.

This is absolutely rediculous, and after a letter from my dad's consulatant stating that this one off high BP reading was definitely not a sign of kidney cancer, they had to accept that my dad had simply forgotten to tell them about this reading, and have agreed to pay out. This is a huge relief to all the family because without this money they would have to sell their home but now can clear the mortgage so my mum can remain in her home.

jrrowleyws

Incapuppy wrote: »

Good grief! Try reading the OP properly will you?

Try not being a rude moron.

Read the post by anguk.

Edwardia: I would check the policy exclusions etc very carefully. Just because they will "insure" you does not mean you are covered to the same extent as someone without diabetes.


Im quite surprised an alcoholic can be insured at all, you are pretty much guaranteeing the insurance company would have to pay out. Not surprised they are dragging this out, I think you will be lucky to see a result from this.

Incapuppy

jrrowleyws wrote: »

Try not being a rude moron.

Read the post by anguk.

I have publicly apologised to Edwardia for my mistake.

Take a leaf out of your own book, resorting to personal insults doesn't make you look very intelligent to be honest.


OP: I think Fluffnutter has given very good advice.

I am surprised at the wording you found on the policy, ie: "because of your health you have to pay an extra premium each month on top of your normal rate." This is IMHO rather ambiguous in that it could relate to practically anything that the deceased could have advised their insurers of, either in writing or verbally.

I would be seeking clarification of exactly what the insurers were referring to in the above wording, and that the subject of this wording was explained fully in writing to the deceased.