We are trying to work out whether or not the policy my husband has via his company, is likely to request medical history before agreeing to a specialist appointment for diagnosis/testing.
The wording seems ambiguous to me and having ask HR today, they were either being cagey or didn't know themselves.
The wording the company uses when explaining the policy to employees considering taking up a policy is:
Underwriting
The method of underwriting varies on a 'Medical History Disregarded' (MHD) basis for all current scheme members.
Am I right in thinking this means that it varies whether or not they request a medical history? Dh thinks 'medical disregard' in this case is purely referring to whether or not you will be accepted for a policy, rather than anything to do with individual claims.
We don't have an individual policy, just a 'Membership Handbook, Corporate Health Plan'. We've read through that and there's not much at all about medical history other than saying in some cases the claim form won't be enough for them to assess the eligibility of a claim and they will request additional information from us, which must be given and/or they may request access to your medical records, including medical referral letters.
I know we need to see the GP for them to make the referral, then call the insurers to see if they are happy for us to go ahead but, having read lots of reviews online today, it seems this company has serious form for refusing claims on the basis of spurious 'previous conditions' and there's no way dh and I can fund this ourselves.
I was feeling so relieved that I was finally going to be able to get to the bottom of my health problems, but now I'm thinking, given all the dreadful reviews I've read today, it's probably not going to happen.
Does anyone have experience of medical insurance and can help us fathom this out?
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Can anyone help with Health Insurance policy wording please?
4 replies
moosemama · 11/11/2015 20:29
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