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Health insurance

(5 Posts)
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Elizabeth1 Mon 11-Jul-16 08:45:13

Having been told by my holiday insurance company they could no longer insure my changed health conditions I went into overdrive mode where I believed they were talking nonsense. It all boiled down to one question on the application form. Had I had a hospital visit in the last 12 months. When I informed them I was sent to the local hospital from my gp surgery for an ECG I asked if this would be classed as a hospital visit. The underwriter insisted it was. After making a complaint advising them the Scottish Governce said it wasn't and a letter from my local MSP the insurance company overturned their decision and agreed with everyone that it shouldn't be considered a hospital visit. I was then given a small monetary apology and quoted for next years health insurance. Worth fighting for common sense.

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Teetime Mon 11-Jul-16 09:04:26

Quite so an ECG is non invasive and doesn't change your health status one way or the other its just a reading- many people have them done in the GP surgery anyway. Well done for sticking to your guns.

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Elizabeth1 Mon 11-Jul-16 11:30:18

Thanks teetime there's no way I could go on holiday abroad without health Insurance. As it was I went with another company while all this palaver was going on. I also got a small remuneration for the attitude of the member of staff being less than helpful. This is the year of complaints (only if warranted). I managed to get my daughter a box of cat food because some of the ones she bought were opened when she bought them. The cat food company were brilliant without any fuss whatsoever.

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granjura Mon 11-Jul-16 13:30:39

Good on you- however it depends on the results of the ECG - if it showed that there was indeed a problem, then the insurance would be correct in charging extra or refusing.

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Elizabeth1 Mon 11-Jul-16 16:14:09

Oh I had a problem granjura and was prepared to pay the excess but wasn't given the chance to do so as the company continued to say NOT happy with this one. Once the insurance company finally agreed the hospital visit was not an invasive procedure the company has guaranteed that I will be insured next year as long as I pay the excess. So pleased about this.

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