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

HeroftheWords

So son pays £200 a month out of his own pocket, and mum benefits from private healthcare? I don't see why mum feels she's entitled to any of the payout, frankly - she's already had her perks from the policy!

silvercar

I’d love to know the details of a policy where you can add a parent for free! 

melvynjs

No, she hasnt invested her money, no return.

squirrel59

Of course he doesn't need to share it. He's the one paying for it, and he's been nice enough to add you all on for free. This is not a moral dilemma. 

Pollycat

Spendless said:

Pollycat said:

MSE_Kelvin said:

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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Would the healthcare company accept a claim from someone who is not the policy holder?
They certainly paid out to the policy holder.

If I was the policy holder and my Mum went behind my back and put in a claim, I'd be furious with her.
And I'd refuse to share the money they paid me as policy holder and payer of the premiums.

If, however, she did the claim because I couldn't be bothered, that a whole different kettle of fish.

Given the lack of information in every one of these MMDs, I really don't know what the author of the MMD gets out of this.

Unlikely unless the policy holder tells them all the details. The policy holder I believe would have to submit the claim. I suspect what is meant is Mum filled out the form(s)  eg Name, address, where treated, condition, dates, reason for not being treated in private and then gave her son the paperwork to submit.

That's what I thought.

These MMDs are so lacking in detail, they're pretty much pointless.

theonetruedom

He is wrong. It's his mum's money, because she was awarded the compensation. If you disagree, imagine it wasn't health insurance, imagine it was a car insurance family plan, to which he added his mum. His mum's car is then stolen, she completes the paperwork, and she is awarded £1,200 compensation. Can you imagine the audacity of the son keeping that money, simply because he pay the policy fee?

Spendless

theonetruedom said:

He is wrong. It's his mum's money, because she was awarded the compensation. If you disagree, imagine it wasn't health insurance, imagine it was a car insurance family plan, to which he added his mum. His mum's car is then stolen, she completes the paperwork, and she is awarded £1,200 compensation. Can you imagine the audacity of the son keeping that money, simply because he pay the policy fee?

In that scenario she would only be awarded a compensation claim for injury/loss. She hasn't lost anything as such, other than the chance to be treated in a private hospital rather than NHS. It's also that the private healthcare has been used somewhere along the journey to hospital admittance. 

Ringo90

If she had suffered from some sort of damage (not necessarily physical) then she might be morally entitled to at least a part of it. In this case she didn't receive a "bad" treatment, she received the same treatment she'd get without the policy. And because the son pays for the policy, he is the only one who should be compensated for not receiving the service. However I would still treat my mom for filling in the paperwork. 

royclamp

strangest medical insurance i have ever heard of. presumably young lad in good health yet allowed to add his presumably much older mother at no extra charge ? then no room in private hospitals but gets in NHS ?

All sounds very strange to me. If it is true a good meal out with his mother should suffice.

Guthrie143

 I would say he is right, the benefits are part of his salary package. She was in exactly the same position as she would have been if he hadn't added her. If there is another time she will benefit and I guess she won't give him anything for that. It would be different if she had contributed.