I am seeking advice re a stance that Bupa has taken regarding moving from a corporate scheme to personal cover.
I only have until the end of this month to find a fix and so am desperately in need of some help.
Briefly - my corporate cover of which I make extensive use of as a terminal cancer patient....in the order of £3500 per month/ £40000 per year, is ending at the end of this month due to the company having been purchased by another company. The new company does have a corporate medical scheme but it in no way will provide the level of cover/costs that Bupa does. My chemo is not available via the NHS and equates to about 80% of costs above.
I obtained a quote from Bupa to continue with personal cover on a like for like product that enabled me to maintain cover for my existing condition. (Comprehensive plan)
With somewhat relief I intended to start this new plan on 1st June. 3pm Fri Bupa called to say that the quote I was given was invalid. The reason being was that they had not been aware that the new company offered a corporate medical scheme. Despite me pointing out that the new scheme was of little/no use to me with my condition, they said that they are simply not allowed to offer me personal cover when a corporate plan is available through my employer...despite it not meeting my needs.
I need to know if they are correct in saying this or are they just blowing me of as a high claimant?
The fact that I am employed but medically retired (not working) is perhaps muddying the waters here. I am in receipt of a salary via an insurance company that in effect pays my employer who then pays me. (Permanent Health Insurance PHI)
Bupa said if I fully retired (in the next 3 weeks) then the personal plan would be ok to go ahead. I don't wish to fully retire as it would affect my PHI and Pension.
I am at a loss as to what to do and am very worried/not sleeping. In 3 weeks Bupa shut the door on me and my treatment effectively ends. Any suggestions welcome.
I believe they are dropping you by making up a seems-to-be-legit reason :(
Have you tried looking for a highly similar plan with another insurance company by transferring? That might cause an increase in how much you need to pay but at least you get covered.
Copyright 1994-2017MedHelp International.All rights reserved. MedHelp is a division of Aptus Health.
The Content on this Site is presented in a summary fashion, and is intended to be used for educational and entertainment purposes only. It is not intended to be and should not be interpreted as medical advice or a diagnosis of any health or fitness problem, condition or disease; or a recommendation for a specific test, doctor, care provider, procedure, treatment plan, product, or course of action. Med Help International, Inc. is not a medical or healthcare provider and your use of this Site does not create a doctor / patient relationship. We disclaim all responsibility for the professional qualifications and licensing of, and services provided by, any physician or other health providers posting on or otherwise referred to on this Site and/or any Third Party Site. Never disregard the medical advice of your physician or health professional, or delay in seeking such advice, because of something you read on this Site. We offer this Site AS IS and without any warranties. By using this Site you agree to the following Terms and Conditions. If you think you may have a medical emergency, call your physician or 911 immediately.