Axa ppp healthcare complaint and question

Mrsingh_2

Hi all.
My father recently had a cardiac operation and was under the impression that axa ppp healthcare would be paying for it.
After the operation happend axa turned around to say that it would not be covered as my father went in to the doctors once (around 4 years before) because he complained of chest discomfort due to some gas. This turned out to be utter nonsense and non related and we thought the claim would be upheld.
Axa then turned around and said he would now not be covered as he may have been diabetic.
We wrote to axa regarding this and they said they would refund the premium, needless to say we were not happy.
We then went to the financial ombudsman for an impartial view.
The FOS said we had been mis-sold the policy and had my father have known he would not have been covered he would not have had taken out the policy in the first place.
The adjudicator then said that in her opinion axa should refund the premium + 8% interest due to a missell occuring.
My question is can a company such as axa ppp healthcare mis-sell a insurance policy then when it come to pay out, turn around and refund the premium even if they mis-sold it in the first place?
I
We are thinking of going to court with this, I have looked around online and axa seem to have a habbit of finding ways not to pay out, with alot of people complaining of the same thing happening to them. We have a evidence on a cd whereby 2 of the employees of axa are laughing at my fathers condition saying "thank god theres a chance he may be diabetic" needless to say I was not happy after hearing this.

I think if all the genuine people axa healthcare have refused cover got together and took them to court we would have a good chance of winning due to the way they conduct business, a quick google search of axa healthcare reviews shows all reason this company needs to be taken to court.
I'm certainly not one to back down from this, just because I believe axa healthcare has refused genuine people such as my father after taking their premiums, and if they complain axa healthcare just refund the premium, but as majority will not they will not even get this back.

Quentin

If you are serious about taking axa to court then get proper legal advice before embarking on that route. (Your cd evidence isn't going to win you the case)

Mrsingh_2

Ok sounds good. Needless to say I would never reccomend anyone take Axa health insurance, terrible company to deal with. Caused a lot of stress to my father when he was not well enough to deal with it.
All of the reviews online are true.