Healthcare Private medical Contract Rules

[albertjohn]

We had some private healthcare via an employed status contribution for the whole family and some important and expensive work was authorised for my wife (prior to time when the Company stopped paying for the cover) to be carried out.

 

The Specialist involved has decided that the operation should not take place for a few more weeks and the insurance company is now saying that although it authorised the work in writing because the policy has now ceased she is not covered!!!

 

I appreciate it may be in the small print but does this stand up in contract law etc as it is previously authorised complaint not a subsequent or subsequently discovered condition???

 

I believe we can take up the option of continuos cover within 30 days by signing up to a new policy but what about the cover which was in force for 18 months during which time no other claims were made and this claim was wholly authorised?

[theghost]

On the face of it if your wife had valid cover and a medical condition started whilst she had cover she should be treated for it - but it really is a question of reading the terms.

 

If you feel the term is unfar then you may wish to check out the 2 pieces of legislation relating to unfair contract terms.

[blinky123]

Hi there,A policy has to be in force on the date that treatment is undertaken or there will be no cover available.

[albertjohn]

Thanks Blinky123.. but is this still the case even if the treatment was pre authorised by the insurers prior to cessation of the cover??