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Old 20th June 2009, 23:51   #1 (permalink)
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No Cover

Heard a story today on local radio of an elderly couple who had to cancel their holiday due to illness.

They were insured with Saga, apparently a company specialising in insurance for the elderly.

Their holiday cost 1400 and when they claimed, the company declined to pay out stating that the medical condition had not been disclosed at the outset.

They appealed the decision and argued that the condition was not known by the patient and this was backed up in a letter to Saga from their GP. Saga still refused the claim stating that the patient had been taking medication for the condition so it should have been declared.

I'm posting this for information as it's obviously very important to read the fine print and understand that these insurance companies will exploit wherever they can.

C
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debmax (21st June 2009)
Old 21st June 2009, 04:56   #2 (permalink)
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Re: No Cover

Unfortunately it’s in the small print of most travel insurance policies.
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Old 21st June 2009, 08:04   #3 (permalink)
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Re: No Cover

l look at the insurance companies as a legalized mafia organization to deceive and manipulate the minds of the public to depart them of their money,without any insurance when needed.

During my gardening bussiness,l had many good quality machinary and tools locked in my van.l told the insurance company all this about the tools being locked up in the van that was alarmed outside my house.l payed for the top insurance cover to have peace of mind when a disaster strikes.
My van was broken into during the night and the machinary and tools that was my livelihood were stolen.Rung up the insurance company straight away for a claim.l told them the truth it was broken into during the night and they said l couldn't claim a penny because the incident happened between 6pm to 6am.lt's in the small print they said.

The print was so small,l had to use a magnifying glass to read it.My thought of having insurances is now to never hand money over to these companies but to set up your own insurance policy of saving it for when incidences like these might occur.You are assurred knowing you don't have to spend a fortune on needless telephone calls,exspensive insurance polocies that are useless,and the phyciatrist bills due to the stress they put you through
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Old 21st June 2009, 08:07   #4 (permalink)
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Re: No Cover

Here, here Bob
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Old 21st June 2009, 09:51   #5 (permalink)
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Re: No Cover

The surprising thing about this one though is that the company firstly said if they could provide proof that the patient was unaware of the condition, then they would reconsider.

This was provided by their GP in a written report yet they still declined.

It's probably unusual not to know what condition you're suffering from, but that was the case here seemingly.

How could you disclose something to them that you're not aware you have? The patient was obviously on some kind of medication for the problem, but for some reason the GP decided it wasn't important for him to know.

The insurance industry needs stricter regulation in my opinion if the fine print is going to disqualify you from reasonable claiming.

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