Without naming insurance companies can someone share their views on this.
I have health insurance for my family for many years and like many have moved companies in recent years. Last November we moved to a new company. in December my wife was referred by our GP for scans that led onto a number of procedures. We have just got a bill for 25e from the hospital and likely to get more. The insurance company despite confirming by phone (unfortunately) in December that the excess was 100e are now claiming its 125e based on our old policy. This is on the basis the condition was pre existing. therefore they claim an upgrade in conditions to a 100e excess does not apply and our old excess of 125e with our previous insurance company in now relevant. we now have a 2 year wait under the new policy!
We did not know of this medical condition existed at the time of changing insurance and my understanding was that waiting periods existed for upgrades for higher medical requirements eg adding better cardiac cover etc not for a simple excess.
Has anybody else come across this situation?. Is it correct? I need to read the fine print in the insurance policies but interested to hear your views.
I have health insurance for my family for many years and like many have moved companies in recent years. Last November we moved to a new company. in December my wife was referred by our GP for scans that led onto a number of procedures. We have just got a bill for 25e from the hospital and likely to get more. The insurance company despite confirming by phone (unfortunately) in December that the excess was 100e are now claiming its 125e based on our old policy. This is on the basis the condition was pre existing. therefore they claim an upgrade in conditions to a 100e excess does not apply and our old excess of 125e with our previous insurance company in now relevant. we now have a 2 year wait under the new policy!
We did not know of this medical condition existed at the time of changing insurance and my understanding was that waiting periods existed for upgrades for higher medical requirements eg adding better cardiac cover etc not for a simple excess.
Has anybody else come across this situation?. Is it correct? I need to read the fine print in the insurance policies but interested to hear your views.