Which insurance company was this?
On what basis did they cancel the policy them backdate it?
If we could have the details, it would be helpful. Best wishes.
They are a large and ethical insurance company.
Whether you are liable for these extra costs depends on firstly the authorisation you were given which in my opinion, you can rely on and secondly, if, when you leave a company, the insurance company is allowed to leave you hanging without funding, in the middle of treatment.
In that respect, you would need to check the terms and conditions of the scheme in fine detail.
When you have checked the conditions of the scheme in fine detail, then if this is covered, that you know where you are, you are arguing with the insurance company making a formal complaint and if necessary referring the matter to the Financial Ombudsman Service. If however it’s not covered, you are still going to make a formal complaint to the insurance company because you relied on what you were told that you are still covered in if they still say that you’re not covered, then make the complaint, once again to the Financial Ombudsman Service.
Can I clarify anything for you?
Please don’t forget to rate the service positive. It’s an important part of the process by which experts get paid.
Thank you. I appreciate the negative rating was a mistake. You can rate positive whenever you wish we can still exchange emails.
I think you would be a good idea if you let me have the policy if you can. Thank you.
You can attach using the paperclip icon
In the Helpful booklet, it refers to pre -authorisation and clearly, your expenses were pre-authorised because you rang them on 2 February and they told you that you were still covered. They cannot backdate the cancellation just because it suits them.
There is and the Core Plan which for the majority of treatments it says that the benefit limit-Paid in Full. To me, that would say that a claim is then paid in full. There is nothing anywhere in those documents about leaving the scheme partway through treatment.
You need to raise a formal complaint with them following the complaints procedure detailed in their documentation and then, if they have not given you a satisfactory response within 8 weeks, make a further complaint to the Financial Ombudsman Service.
You can of course sue the insurer in court but that’s going to be expensive risky and time-consuming because you may not win. The Financial Ombudsman Service is free and it is impartial.
Can I clarify any points arising from this?
I can give you the wording of the letter to cut and paste into your own letter but is not something which I could take on as an ongoing legal case for you.
I will submit a premium services proposal for you and then we can exchange emails offline for confidentiality purposes.
I will need you to let me have whatever correspondence, emails etc you have from them.
I am sorry, it slipped through my system.
I will send you my contact details. Please send me an email and we will exchange emails privately off-line.
I just sent you a test email. If you can just reply to that, I will send the letter over for you. We can then exchange emails regarding this in private.