I don't believe its like the NCB on a car policy that just transfers seamlessly from one insurer to another.
But wasn't that one of the big things when competition was introduced into the market? I remember campaigns telling people that they can switch insurers without penalty or waiting periods if there wasn't a break in insurance. In the last couple of years, this seems to have all changed. There are more and more cases of insurance companies trying to avoid cover on the basis of pre existing conditions. The regulator really needs to a handle on this. I can see it becoming a media story soon....
lchang, Orga - you've given me hope that I could fight this - if not with VHI then with the Ombudsman perhaps.
This is only true if the condition was pre-existing in Dec 2008. The first procedure was in March 2009 - so, for example, if the procedure was because he was run over by a bus in March 2009, then the condition was not pre-existing in Dec 2008 and he should not have to serve a 10 year pre-existing condition waiting period.if he joined in Dec 2008, what was his pre-existing waiting period at the time ? if 10 years, then this would apply and he would not be covered until 2018
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.
Thanks in advance for any help or insight.
We use cookies and similar technologies for the following purposes:
Do you accept cookies and these technologies?
We use cookies and similar technologies for the following purposes:
Do you accept cookies and these technologies?