Permanent Health Insurance

ME, also known as chronic fatigue syndrome, is a recognized disease. However, some major insurers see quite differently, as the case of Miss A. shows.

Miss A. has lived with me for eight years, an aggressive form which has kept its prey to pain and totally unable to work and support herself. Living on benefits totaling £ 180 per week, she depends on her boyfriend and his family to care for her.

He could be very different, because Miss A. had health insurance through his employer. The insurer Swiss Life, and although they pay on his claim at first, they decided to stop paying five years ago. In terms of the insurance policy, she received a steady income for an amount of 75% of his salary - and then he stopped, and since then she has received nothing. She believes she has already been denied access to £ 40,000.

While Swiss Life had to say about this topic? This is not what they say but what they did, which is the true revelation. Showing a clear lack of respect for the debilitating disease, they used covert video surveillance to monitor his movements and gather evidence to prove she was not worthy of making the request. They used images of Miss A. leaving home to attend a medical appointment, then visiting his mother, thinking it would be perfectly capable of doing a day's work. This is a view that medical experts have deep denial, especially since ME can vary from day to day, leaving patients able to perform small tasks, one day, then shipped the next day in bed.

Video evidence showing Miss A on her feet never convince a doctor who knows too well what effect ME on people's lives but Swiss Life has used as evidence of his being "active and mobile. They also have other criticisms of Ms. Who allowed them to successfully refuse his request, for example, they say they have seen no evidence of long-term inability to work. They also say she resisted treatment rehabilitation in 2002, when in fact real Miss A was unable to complete the course because she suffered a relapse.

Even a Harley Street doctor and a specialist ME examined Miss A. and verify that they are affected me and is worthy of its health insurance benefits. In vain with Swiss Life. The only way that Miss A may win his case is to take Financial Ombudsman, and they have said that any compensation will be limited to a maximum of £ 100,000. Miss A is not willing to take the risk, and is wary of the Ombudsman. Who can blame them, when she was so badly treated so far?

Resolution, the owners of Swiss Life, said they would not stand in his way if she wanted to advance the case with the mediator.

The problem is to have Miss A is experienced by many people with what insurers consider "designer diseases. Insurers believe that people try to take them for a ride. The reality is that people suffer, and they do not receive payment due to them. Those looking to buy a health insurance policy must be absolutely sure that the company has a good attitude towards the disease as me, so if the worst happens, you will be covered. Try the Internet for the lowest prices, and for a wide range of advice and tips.