Would welcome any help with this, as I am starting to question my own sanity it is so confusing.
My father first took out health insurance with Hibernian Aviva Health in December 2008. He was over 65.
In March 2009 he had a procedure on the public health system.
He switched from Hibernian Aviva to VHI in December 2009.
In October 2013, he had a procedure related to that from March 2009, on the private system.
VHI are refusing to pay for the 2013 procedure, saying it was a pre-existing condition. Their only evidence is the procedure from March 2009, so it is not one of these instances where they're saying he might have had it for months without knowing about it. They have rejected the claim on the basis that the condition existed prior to him joining VHI, saying he would have to serve 10 year waiting period.
I am battling this (for the last 5 months) saying that because he had cover since December 2008 is it not a pre-existing condition. None of his treatment in 2013 relates to any higher cover on the VHI policy vs the original Hibernian Aviva policy.
Does anyone know who is right? I have looked at the original terms & conditions from VHI and the HIA site, but I'm still not 100% clear on what happens when a condition develops after taking out a policy and then switching.
Thanks in advance for any help or insight.
My father first took out health insurance with Hibernian Aviva Health in December 2008. He was over 65.
In March 2009 he had a procedure on the public health system.
He switched from Hibernian Aviva to VHI in December 2009.
In October 2013, he had a procedure related to that from March 2009, on the private system.
VHI are refusing to pay for the 2013 procedure, saying it was a pre-existing condition. Their only evidence is the procedure from March 2009, so it is not one of these instances where they're saying he might have had it for months without knowing about it. They have rejected the claim on the basis that the condition existed prior to him joining VHI, saying he would have to serve 10 year waiting period.
I am battling this (for the last 5 months) saying that because he had cover since December 2008 is it not a pre-existing condition. None of his treatment in 2013 relates to any higher cover on the VHI policy vs the original Hibernian Aviva policy.
Does anyone know who is right? I have looked at the original terms & conditions from VHI and the HIA site, but I'm still not 100% clear on what happens when a condition develops after taking out a policy and then switching.
Thanks in advance for any help or insight.
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