Help when your health insurance claim is rejected or stopped
When you feel that your claim is being wrongly denied, our specialist team is here to fight your corner and help alleviate financial worries at this stressful time of your life.
Sudden and long-term illness is not something anyone likes to think about, but taking measures to safeguard your income when you are ill is a smart move to make. Or so you think. But when you cannot work due to illness and your insurer won’t pay out – what do you do then? An expert on your side is your best chance of getting the compensation you deserve.
Expert help to support your permanent health insurance claim
Permanent health insurance (also known as income replacement insurance, income protection insurance, long-term disability insurance or disability income insurance) policies are notoriously complicated; they come with a variety of exclusions and the level of cover differs widely. On top of that, PHI claimants are actively targeted by insurers as never before often with surveillance, pro-insurer doctors and other methods.
Our insurance claims team has extensive experience in dealing with insurance claims
As we are recognised by The ME Association and Action for ME, we often act for clients suffering from conditions such;
Legal assistance with a Critical Illness Policy claim
Critical Illness Policy claims are also notoriously difficult with insurers anxious not to pay out, even when your family member has a serious illness.
Insurers routinely trawl through your GP records and the policy application form. They may wish to allege that there has been material non-disclosure regarding your medical history which will invalidate the claim. The policies also narrowly restrict the level of critical illness that the insurers will pay out on.
Our track record includes successes with claims against Unum, Liverpool Victoria, Aviva, Canada Life, Zurich and many other insurers.
Our personal injury law expertise means that have an understanding of the medical aspects of your claim and excellent links with medical experts in the right disciplines who will be able to help us and you get the right result.
We often persuade the insurers’ solicitors to honour PHI claims without resorting to lengthy and stressful court proceedings.