Money Moral Dilemma: Should my son share insurance payout from his mother's hospital stay with her?

MSE_Kelvin Posts: 346 MSE Staff
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This week's MoneySaver who wants advice asks...

My son has private healthcare, which he pays £200/mth for and can add family members to for free. He added his mother, and a year later she had a badly-infected leg. The private hospital had no room, so she had to go to an NHS hospital, where she stayed for 12 days. My son's policy includes insurance, where you can claim £100/night if you have to use the NHS. His mother made a claim, and after she did all the paperwork, he got a cheque for £1,200. He refuses to give her any of it as he pays for the policy. Is he right or wrong?

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  • DullGreyGuy
    DullGreyGuy Posts: 11,022 Forumite
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    Would question what his insurable interest is to be entitled to the monies
  • tacpot12
    tacpot12 Posts: 8,091 Forumite
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    As his mother did all the paperwork to make the claim, not giving her anything seems unfair. Splitting the money 50/50 would seem the best compromise. 
    The comments I post are my personal opinion. While I try to check everything is correct before posting, I can and do make mistakes, so always try to check official information sources before relying on my posts.
  • Seekerofguidance
    Legally the money is his.  It would be nice of him to share some, particularly if his mother suffered financial loss whilst being in hospital, but he is in no legal, or moral obligation to do so.
  • Dickie66uk
    Did the mother talk to her son about claiming? If yes, why didn't he make the claim, as it’s his policy? If he told her to claim, then he was in agreement so ethically the money should be shared… but as already said its the sons policy, so its his money. 
    If mum didn’t speak to her son, why not?… was she hoping to claim without her son knowing?… Would she have shared the money had it been paid to her? 
    Whichever if mum makes a fuss, the son may/will just cancel your free medical Insurance! Don’t fall out over the money, just learn from it.  
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