health insurance

beaufoy

will not yet say which insurance firm it was, but the main complaints were they told me I must have a colonoscopy because the hospital found blood in my stool. They admitted they did not ask for a full report so I obtained one for them

 Said report said the blood was caused by my hemorrhoids and there was no need for another examination or a colonoscopy. I sent said report to the insurers and they replied they insist on a colonoscopy for every person who shows blood in their stools. Now I find said policy disgusting, and it makes me less confident because the same thing can happen in reverse ie I could be admitted to a hospital with a suspect heart attack and the doctor might say you need a bypass. However, because the health insurance does not respect the Doctors they might say we think you should just take medication for your heart problems.    Now let us look at the endorsement they put on my policy. The actual endorsement suggests the endorsement expires after 2 years, so if I wait out the two years full cover will be restored, but the after thought says even if I wait out the two years I still have to take a colonoscopy

text within the endorsement

Investigation and treatment of all gastrointestinal (GI) Bleeding GI Malignancies,GI Polyps and their causes and complications are not covered for a period of 2 years, or the submission of recent gastroscopy and colonoscopy reports. At the end of the waiting period, or the satisfactory review of recent gastroscopy and colonoscopy reports this condition will be reassessed . Charges for gastroscopy and colonoscopy are not covered during the waiting period

 

 Text added after the endorsement 

And If you refuse to submit the requested examination then the Underwriting Department will maintain the condition for another year. Or you can submit it later.

 

Yours sincerely,

LightFlare

beaufoy said:

will not yet say which insurance firm it was, but the main complaints were they told me I must have a colonoscopy because the hospital found blood in my stool. They admitted they did not ask for a full report so I obtained one for them

 Said report said the blood was caused by my hemorrhoids and there was no need for another examination or a colonoscopy. I sent said report to the insurers and they replied they insist on a colonoscopy for every person who shows blood in their stools. Now I find said policy disgusting, and it makes me less confident because the same thing can happen in reverse ie I could be admitted to a hospital with a suspect heart attack and the doctor might say you need a bypass. However, because the health insurance does not respect the Doctors they might say we think you should just take medication for your heart problems.    Now let us look at the endorsement they put on my policy. The actual endorsement suggests the endorsement expires after 2 years, so if I wait out the two years full cover will be restored, but the after thought says even if I wait out the two years I still have to take a colonoscopy

text within the endorsement

Investigation and treatment of all gastrointestinal (GI) Bleeding GI Malignancies,GI Polyps and their causes and complications are not covered for a period of 2 years, or the submission of recent gastroscopy and colonoscopy reports. At the end of the waiting period, or the satisfactory review of recent gastroscopy and colonoscopy reports this condition will be reassessed . Charges for gastroscopy and colonoscopy are not covered during the waiting period

 

 Text added after the endorsement 

And If you refuse to submit the requested examination then the Underwriting Department will maintain the condition for another year. Or you can submit it later.

 

Yours sincerely,

Removed my response - OP hasn’t been back since posting, so I assume not that big a deal or that urgent

walesdave

Routine endoscopy and colonoscopy due to low iron - thought it was a potential ulcer or similar. Stage 3 oesophageal cancer - caught early in treatment. Don't turn down tests that might find a surprise....