Health Insurance Claim - advice needed

[redjax]

Hi, can anyone help with this?

I was insured for life and critical illness cover by Friends Provident. In June 2010 I was referred to the hospital for tests by my GP. Obviously with NHS waiting times etc this went on for months before anything was done. In the meantime, for various reasons our DD for the insurance failed. They wrote to us and asked if we would fill out a health insurance questionairre and an authorisation for them to contact our GP. I completed the forms and returned them within two days of receiving them. Two weeks later we received the same letter and forms. I again completed them and sent them staright back. The next thing we received was a letter in February/March 2011 saying as we hadn't responded they had cancelled our policy. I called them and said I most certainly had responded, but was told we would have to take out new insurance as the old one could not be reinstated. My hopsital tests continued and in July 2011 it was confirmed that I was suffering from bowel cancer. Major surgery followed my tumour was removed and fingers crossed, that will be the end of it. Except for 10 years of monitoring. My question is, as I was insured at the beginning of the investigations, should I have claimed for critical illness and can I do it now even though the policy has lapsed? Any advise would be really helpful. Thanks

[honeybee13]

Hello there. I'll move your thread to the insurance forum and hope the guys will be able to help you.

 

Would you be able to tell us a bit more about why the direct debit went wrong please?

 

My best, HB

[unclebulgaria67]

Think you are going to have to write a complaint letter to Friends Provident Head Office outlining everything that has happened. I think they need to reinstate the policy and then look at your claim.

[redjax]

Thank you. I did write a letter of complaint before but got the usual response, the DD failed so the policy was cancelled. Will try again and see what happens.

[honeybee13]

Hello again.

 

Do you think the problem with the DD was Friends Provident's fault?

 

HB