there are issues here and the insurance company should know better.
There is no
client confidentiality in confirming the cause of death and in any event they
have the death certificate.
There is no
client confidentiality in confirming that he was her GP.
however a patient confidentiality issue in disclosing if she suffered from any
of the various things prior to her death. I can understand therefore why he
will not sign it.
other hand I cannot understand how your own doctor (who won your own admission
did not know her) could agree to sign it even if it was ultimately
I do not
know the terms of the policy and usually it simply comes down to the death of a
close relative giving you the right to cancel and does not ask you, as part of
the insurance application process, to disclose whether the relative is in good
health or bad health. In that respect, would be necessary to look at the
insurance proposal and the terms and conditions of the policy.
You can make
a complaint to the Family Practitioners Committee that the doctor is refusing
to do this but to be honest, I think they will come down on the side of the
doctor if, for no other reason, patient confidentiality.
So you are
stuck between a rock and a hard place and I think the only avenue you have is
to refer the matter to the Financial Ombudsman because it would appear that the
insurance company are imposing criteria which is impossible to fulfil and they
are using that therefore to avoid paying your claim. Unfortunately, the
Financial Ombudsman is not quick and this could take 12 months to resolve. Once
you tell the insurance company that you are going to refer this to the
Ombudsman, they may take a different view or you will not know until you do
appreciate that a lot of this is probably not what you wanted to hear but there
is no point in me misleading you. I am under a duty to advise you truthfully
and honestly even if that answer is unfavourable.
don't forget to positively rate my answer service (even if it was not what you
wanted to hear).
If you don't rate it positively, then the site keep your deposit and I get 0
for my time. It is imperative that you give my answer a positive rating.
It doesn't give me, "a pat on the head", "good boy" (like ebay), it is my
If in ratings you feel that you expected more or it only helped a little,
does remain open for me to answer follow-up questions.
offline shortly until later and will pick this up then if needed.