PAX Insurance late claim

G8311374

Hello,

I was medically discharged 6 years ago. Throughout my service I paid for PAX insurance to cover kit, accident and death. On discharge I was told I couldn't claim for my mental health as it wasn't an injury, but I have since found out that I could have claimed for being medically discharged. Is it too late to claim?

Thanks

InsideInsurance

What does your policy state about notification period?

Generally there isnt enforcable limits on notification of claims as long as the delay doesnt prejudice their ability to investigate or cause additional losses (eg you leave your car unrepaired and the exposed metal starts rusting)

JannerXI

There's no maximum notification period for accident claims on PAX. Although there is one for legal claims, such as against the MoD, under the scheme.

However, if your discharge was solely due to your mental health, then if will still be excluded. Medical discharge would need to be for a covered (physical) injury.

Regards,