Associate
- Joined
- 18 Oct 2012
- Posts
- 465
Hi everyone,
I’m going through some health issues that started around May/June of this year. I visited my GP back then, who gave me a preliminary diagnosis and referred me to a specialist. I was told the wait time to see a consultant could be up to 12 months, which led me to consider using my private medical insurance through work. I signed up for this policy with WPA in April, hoping I’d never need it, but it was there as a safety net.
As my symptoms worsened, I decided to go down the private route and contacted WPA. I had a referral letter from my GP to the consultant, and I’ve since done blood tests, had consultations, and received a diagnosis. My surgery is scheduled for November 21st.
However, this Monday, I received a letter from WPA stating they won’t cover my claim, citing that my condition existed prior to taking out the policy and that I didn’t disclose this at sign-up. I checked my online documents and found an invoice for £800 for my blood tests, as well as a letter that incorrectly stated I’d experienced symptoms since last year. I called the consultant to clarify, explaining that the symptoms and GP visit were actually from May/June this year. They corrected the report and re-uploaded it to the WPA portal. When I phoned WPA to discuss this, they agreed to send it for review, but as the claim was initially denied, it’s now with the underwriters.
I’m reaching out because I’m quite anxious about the outcome. Has anyone else dealt with a similar situation? I’m concerned that, despite the corrected report, the claim may still be denied. This treatment is urgent, as my symptoms are affecting my ability to work and live a normal life. Any advice on handling this with the insurer, or insights from others who’ve gone through similar situations, would be greatly appreciated.
Thank you for any help you can offer!
I’m going through some health issues that started around May/June of this year. I visited my GP back then, who gave me a preliminary diagnosis and referred me to a specialist. I was told the wait time to see a consultant could be up to 12 months, which led me to consider using my private medical insurance through work. I signed up for this policy with WPA in April, hoping I’d never need it, but it was there as a safety net.
As my symptoms worsened, I decided to go down the private route and contacted WPA. I had a referral letter from my GP to the consultant, and I’ve since done blood tests, had consultations, and received a diagnosis. My surgery is scheduled for November 21st.
However, this Monday, I received a letter from WPA stating they won’t cover my claim, citing that my condition existed prior to taking out the policy and that I didn’t disclose this at sign-up. I checked my online documents and found an invoice for £800 for my blood tests, as well as a letter that incorrectly stated I’d experienced symptoms since last year. I called the consultant to clarify, explaining that the symptoms and GP visit were actually from May/June this year. They corrected the report and re-uploaded it to the WPA portal. When I phoned WPA to discuss this, they agreed to send it for review, but as the claim was initially denied, it’s now with the underwriters.
I’m reaching out because I’m quite anxious about the outcome. Has anyone else dealt with a similar situation? I’m concerned that, despite the corrected report, the claim may still be denied. This treatment is urgent, as my symptoms are affecting my ability to work and live a normal life. Any advice on handling this with the insurer, or insights from others who’ve gone through similar situations, would be greatly appreciated.
Thank you for any help you can offer!
