Health Insurance Outpatient Claim Time Limits

I seem to have missed this completely re the change in policy for claiming repayment from health insurers. I had old receipts that I mislaid and always knew I'd find them once I went looking but it took a while. They are from a few years ago and my insurer ILH state they only pay claims up to 6 months after the policy year end date.

Is there any way I can get around this, maybe my plea of ignorance might work, any other suggestions gratefully accepted.

Irish Life Health outpatient claims must be submitted within 6 months of the end of the policy year. Customers may also submit outpatient claims throughout the policy year if they prefer, using Irish Life Health's web-based application, which you can access through your membership profile. Alternatively you can complete a claims form issued by Irish Life Health and submit it together with the original receipts at the end of the policy year.

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Have you sent them already and they have been rejected? If so send an appeal asking them to review your claim. You will need to provide a reason why you didn't submit in time, unwell/family member unwell/covid delayed you/work hours etc. Anything that could justify.

If you have not submitted already, do so now and they might be applying a gesture that will allow assessments beyond the time frame that their t&c state. If they are not and it comes back rejected, send the appeal then.

Thanks, I haven't submitted anything yet but will do so in the coming days.