Medicash and other health cashplans?

rafianna

Hello.
I have just applied to Medicash for their health cashplan policy, based partially on the recommendation of the health cashplan article on this site, where it is the best rated (although the article is woefully out of date).
They refused me, without giving a reason. I called to ask why, as I do not know of any reason why I would not be eligible. They told me to request the reason in writing, which I did, and they replied in writing to say they don't have to give a reason.
Has anyone had a similar experience?? How could I change this?
I also wanted to use them as they do not have any qualifying period, and I don't see any other that does this. Is there another cashplan deal on which one can claim immediately, or is Medicash the only one?
Thank you for all your help,
Raf

pmduk

Have you previously had a healthcare cash plan of any sort? They're right they can refuse anyone without stating a reason, or even insist on a qualifying period before a claim.

I can only assume that there is something in your history that the underwriters are unhappy with or you have made a mistake(s) in the application or omitted pertinent information.

I don't know the industry well enough to make any recommendations, sorry.

pmduk

These are the conditions that may have caused your problems

8.4 When you take out your policy, you must agree that the information you provide to us together with any further information concerning your policy will be used by us to provide you with the benefits for which you have applied and for maintaining your records. This will include the recording and monitoring of Sensitive Personal Data such as data relating to health and medical conditions. This information may be passed to selected service partners for claims and handling procedures; to provide you with the services included in the policy; to prevent and detect fraud.
8.5 We may share information with other relevant organisations when we set up and run your policy, to check claims, to prevent fraud and to identify money laundering.

Source here

rafianna

Thank you, but this isn't the case. My credit files are all clear and I have never had any such policy before.

pmduk

Then you're stuck with their decision. It could be they think you're immediately going to claim, or they don't like your career. They're not saying, neither are they required to. Sorry.