AXA PPP Healthcare declined my claim

[jerrythompson]

Please could you help as I am aware that this type of company has big legal jargon that I could easily trip up on.

 

I have been declined cover as AXA PPP deem my condition to be pre exisiting despite my GP and consultant confirming that it is is not.

 

Furthermore AXA PPP state that previously experienced symptoms are not covered.

 

This effectively means if any ailment symptomatically produced cold-like symptoms for example, (and many do),

they can get out of paying on a subsequent claim because you went to the docs for a sore throat!

 

Whilst researching my appeal, I attemped to glean some info from the AXA PPP website as i have never received a hard copy of their terms.

 

Unsurprisingly, there is no information!

 

They just encourage you to buy a policy.

 

There appears to be no guidance on terms, diagnosis and procedure.

 

I called them for website navigation and they couldnt find the info i needed either and redirected me to a completely different page.

 

This feels like a deliberate form of deception.

 

I was told to book the appointment with the consultant before they declined this claim

and the consultant performed some treatments at the time.

 

I am now left £900 lost on wasted premium with a hospital bill of £658 and now it IS an existing condition, no one else will cover me!

 

I am about to take this to the FSA but I wondered if there was any help any of you could kindly offer.

 

I am hoping this all makes sense!

 

Thank you

[dx100uk]

time to get reclaiming and cancel the policy then

 

plus stat interest

 

classic mis-selling racket

 

dx

[Conniff]

Moved to Insurance/Assurance forums

[citizenB]

Yes, it kind of looks to me that the policy would have been pretty much useless to you - so if they wont cover the claim for the dubious reasons they give - then reclaim the whole lot under a mis sold policy.

 

Use the links in dx100uk's signature for futher information, however if you get stuck - just yell and we can help with this.

[Mrsinghd]

Please could you help as I am aware that this type of company has big legal jargon that I could easily trip up on.

 

I have been declined cover as AXA PPP deem my condition to be pre exisiting despite my GP and consultant confirming that it is is not.

 

Furthermore AXA PPP state that previously experienced symptoms are not covered.

 

This effectively means if any ailment symptomatically produced cold-like symptoms for example, (and many do),

they can get out of paying on a subsequent claim because you went to the docs for a sore throat!

 

Whilst researching my appeal, I attemped to glean some info from the AXA PPP website as i have never received a hard copy of their terms.

 

Unsurprisingly, there is no information!

 

They just encourage you to buy a policy.

 

There appears to be no guidance on terms, diagnosis and procedure.

 

I called them for website navigation and they couldnt find the info i needed either and redirected me to a completely different page.

 

This feels like a deliberate form of deception.

 

I was told to book the appointment with the consultant before they declined this claim

and the consultant performed some treatments at the time.

 

I am now left £900 lost on wasted premium with a hospital bill of £658 and now it IS an existing condition, no one else will cover me!

 

I am about to take this to the FSA but I wondered if there was any help any of you could kindly offer.

 

I am hoping this all makes sense!

 

Thank you

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?

[jerrythompson]

Hi there

This was a few years back now but I took it through the Ombudsman and AXA had to pay me back! Go for it!

[maroondevo52]

Hi there

This was a few years back now but I took it through the Ombudsman and AXA had to pay me back! Go for it!

 

Thanks for answering that.