Ongoing health claim and renewal

Cus

Hi - hope this is the right place to ask..
If you have health insurance coverage through your employer, and you begin a claim that gets approved, then you leave your employment so coverage stops but you still need to continue the same claim and further treatment, does the health company continue to support the existing ongoing claim? Can they use that claim to demand a much bigger renewal? Do you have to renew? Anyone know how it works?
TIA

Ayr_Rage

Nobody here can answer that question unless they have been in your situation with the same employer and insurance provider.

You will have to ask the insurer exactly what they can offer once you are no longer eligible for the company scheme.

TELLIT01

I had a situation like that and had to pay the insurance premiums myself.  Thankfully that was at reduced cost for 12 months, but I don't know if that was because I was made redundant.  You will need to check with the insurer.

DullGreyGuy

Cus said:

Hi - hope this is the right place to ask..
If you have health insurance coverage through your employer, and you begin a claim that gets approved, then you leave your employment so coverage stops but you still need to continue the same claim and further treatment, does the health company continue to support the existing ongoing claim? Can they use that claim to demand a much bigger renewal? Do you have to renew? Anyone know how it works?
TIA

In most cases all cover stops as soon as you leave employment irrespective what had been approved before that. Some insurers give you the option to continue cover and the claim if you buy a personal policy within X days of leaving employment but not all do. The illness will be factored into the premium calculations but not excluded as pre-existing in most cases. 

If you work for a large corporate then its possible that they operate the scheme using a Health Trust rather than it being full insurance so its the employer that directly funds the claims and the insurers just administer the scheme and provide backstop if the trust runs out because the employer is insolvent etc before the policy can be cancelled.