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

NannyJaffaCakes

Legally it would be his money....but morally he should at least give his mum a share. £1200 is a good amount of money for him to get without even having to suffer any illness or injury whereas his mum has had all the trauma of infection and the treatment which must have been substantial as it entailed a 12-day stay in hospital.  He chose to include mum in the policy so he should be prepared to share any pay-out with her.  You only get one mother and she normally takes care of you for life....time to consider doing your bit and care for mum by sharing the pay-out.  

Jake1949

The guy pays £2400 pa for his insurance.  His Mother's treatment netted him half that back.  Yes he pays so it is his money but it seems mean to not treat his Mother when she has been so ill and didn't even get the better conditions in a private hospital.  I hope he doesn't treat her that way all the time.

Pogles_Wood

His policy Mum named beneficiary. So mum is covered for nought and due to circumstances beyond their control used the NHS. Not sure what the issue is here. His policy HIS benefit. Mum hopefully better and no cost to her eitherway and a nice rebate on what appears to be a rather expensive PMI policy.

lewisiablue

Firstly the son didn't pay any extra money to add his mother to the policy, secondly, it was the mother who was in hospital and didn't receive the private care she should have received. Lastly, the mother filled out all the paperwork as it was HER claim (not his) and the payout is hers. I do not understand as it was her claim why the insurance didn't pay her directly?

Ed264

Your son is fortunate to be in a position to afford £200 per month for private healthcare. It's his policy, he pays the premiums, therefore he is entitled to keep the £1200 pay-out. It's as straightforward as that, in my opinion. Having said that, a treat for his mum wouldn't be out of order. 

debatable

When she is better take her out for lunch. If she had received treatment in a private hospital - courtesy of his policy - there would be no money to discuss, so why is she expecting to be paid to have treatment in NHS hospital. I presume as she went through the “private” channels to get into the hospital, she was possibly bumped up the list or at least got priority treatment. Bottom line is she was treated and in the current climate I would be grateful and not be making a fuss over money.

DailyDippy

I don’t know the legal position of the policy but morally…if the money was paying for her treatment she would have got the benefit of it.

She is named as a beneficiary and so the intention is that she has the benefit of the cover. 

I don’t see why compensation (for her while being treated)  should in anyway go to him, he hasn’t been treated, inconvenienced etc. Her illness, her cover on the policy, her money.

JulieAC

Scillydiver said:

Of course he is "correct" that the refund is technically his as he pays the insurance premiums, but as adding his mother cost him nothing, and she was the one that submitted the claim, it would be churlish not to offer her at least part of the refund. If his mother was anything like mine, should would decline the offer but be pleased he got a refund.

I came here to say this! It’s his premium, he pays it, adding his mother because he can and thought it was for the best. NHS stepped in and resolved the issue, and because he and she no doubt have contributed towards their working lives - so it should. 

My mum would likely have completed the claim to ensure I received back an entitlement - as stipulated in the policy. She wouldn’t want money from it, as she would have made it for me - but I would offer her a split nonetheless! I know she’d refuse, because she would tell me it’s to help cover the costs of the policy! 

gerrag

HampshireH said:

gerrag said:

If he was my son, I'd remember his decision when making my Will.

For being kind enough to add her to his private medical policy and for her to be fast tracked via the referral.

She ended up in an NHS hospital but the private referral would absolutely have had her diagnosed and seen quicker than the NHS would have. So she would have benefited from the initial doctors appts etc before admission and a fast track service albeit in an NHS bed.

I'd remember him when making my will too. He didn't have to add her and could have waited on NHS timescales without it. Very kind of him.

Without her, there wouldn't be a him. He's never going to be able to reimburse her for all the sacrifices she will have made for him over the years. 

[Deleted User]

I would but some hate their mothers.

Do onto others what you would like done to you.