My company has cancelled our health insurance retrospectively

shelyb

Hello, hope you can help
I had a very basic ‘Healthshield’ insurance with my company an unfortunately had to use it in February due to a health scare and NHS shutting down. I put a claim in for the consultation for £150 within my allowance.
I have since received an email from my employer saying...they were backdating and cancelling all claims, the health company have also rejected my claim now.
Hope you can help, it doesn’t seem right to backdate and cancel insurance?
Many thanks

fred246

I don't remember the NHS shutting down. Has it reopened now?

donnac2558

You should post in the consumer rights section of the forum.

uknick

fred246 said:

I don't remember the NHS shutting down. Has it reopened now?

Whilst it's a little bit of an exaggeration to say it shut down, if it wasn't COVID related, any other medical treatments and services have been significantly delayed if not cancelled.  Last week BBC South reported the Bournemouth General Hospital ophthalmology unit had cancelled/postponed over 10,000 operations.  They were expecting to take until the end of 2021 to catch up.

Hasbeen

shelyb said:

Hello, hope you can help
I had a very basic ‘Healthshield’ insurance with my company an unfortunately had to use it in February due to a health scare and NHS shutting down. I put a claim in for the consultation for £150 within my allowance.
I have since received an email from my employer saying...they were backdating and cancelling all claims, the health company have also rejected my claim now.
Hope you can help, it doesn’t seem right to backdate and cancel insurance?
Many thanks

You have posted in Health and Beauty money saving. Perhaps the insurance or consumer boards would have provided more advice.

However you have a basic health shield policy, which usually covers refunds towards dental, optical, chiropody, prescriptions etc.?
There is a section that allows refunds for consultation's:  ECG, X-ray, pathology fees and MRI scans.
 
Are they disputing that because you did not attend GP to get referred for your "health scare" to the local NHS hospital. Because you believed the NHS had "shut down". And therefore went private without advising them is the problem?

silvercar

Sounds like your employer decided he was no longer providing this benefit. So the benefit would have ceased from whenever the employer stopped payments to the scheme. That in turn would have led to the provider rejecting your claim as the employer hadn't paid the premiums.
If you have a claim it would be against your employer from withdrawing a contractual benefit (assuming it was in your employment contract). Whether now is a good time to be raising this with your employer is your call.