I see. Do you have any clue where I can get the contact details of Axa ppp healthcare ceo? So i can issue that letter before action

Sounds good. What do you mean by a non disclosure? If axa had known my father may have diabetes they still would have given him the policy but it would be a mis-sell which is what the fos said. I'm really confused on what to do so thanks for that information, I can assure you, you have added light to the end of the tunnel.

Yes I had a bill from the hospital for £4500 as it was done privatley. As the procedure was fast tracked

Comes to around £800, just put in all of the dates. Really not looking to go down this route, I genuinely believe there must be another way

Sorry do you mean payment to Axa ppp healthcare? If so it would be around £800 which is measly considering the hospital bill alone is £4500+

Hi all. My father had a cardiac operation and was under the impression that axa ppp healthcare would be paying for it as he had a policy with them. After the operation axa ppp healthcare turned around to say that it would not be covered as my father went in to the doctors once (around 4 years before) because he complained of chest discomfort due to some gas. This turned out to be utter nonsense and non related and we thought the claim would be upheld. Axa then turned around and said he would now not be covered as he may have been diabetic. We wrote to axa regarding this and they said they would refund the premium, needless to say we were not happy. We then went to the financial ombudsman for an impartial view. The FOS said we had been mis-sold the policy and had my father have known he would not have been covered he would not have had taken out the policy in the first place. The adjudicator then said that in her opinion axa should refund the premium + 8% interest due to a missell occurring. We are thinking of going to court with this, I have looked around online and axa seem to have a habbit of finding ways not to pay out, with alot of people complaining of the same thing happening to them. We have a evidence on a cd whereby 2 of the employees of axa are laughing at my fathers condition saying "thank god theres a chance he may be diabetic otherwise we might have to pay" needless to say I was not happy after hearing this. I think if all the genuine people axa healthcare have refused cover got together and took them to court we would have a good chance of winning due to the way they conduct business, a quick google search of axa healthcare reviews shows all reason this company needs to be taken to court. I'm certainly not one to back down from this, just because I believe axa healthcare has refused genuine people such as my father after taking their premiums, and if they complain axa healthcare just refund the premium, but as majority will not they will not even get this back. I genuinely believe had I not looked into this, my father would be screwed over by axa ppp which is unfair. Edit: the amount of the operation from a bill we recieved from the nhs was £4500 ish and I don't think this covers the doctors fee's either. 1. My question is can a company such as axa ppp healthcare mis-sell a insurance policy then when it comes to pay out, turn around and refund the premium even if they mis-sold it in the first place? 2. What would be the next route, i.e. We have been to the ombudsman, where do we go next i.e. Small claims court? Thank you for reading.

Hi don't mean to bump this but we are in the same situation just wondering if you would be kind enough to let us know how you got on?