Denied health insurance claims | Insurance disputes | Royds Withy King

Denied health insurance claims

Skilled team of insurance litigators

Close links with leading charities

Understanding of the medical and legal aspects of your claim

Accredited personal injury solicitors

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;

Our track record includes successes with claims against Unum, Resolution, Liverpool Victoria, Friends Life, 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.

Chambers 2015 Royds Withy King logopi


In theory this like any other insurance claim and you will be required to complete a claim form. Some cases of illness or injury mean eligibility is clear cut. Others less so. We will be pleased to offer advice in difficult situations.

If you have been unfairly refused phi cover in the last six years, you may have a valid claim for compensation. The most important thing you can do is to get in touch for initial advice without obligation. Remember that each case is different and you should take advice on your particular situation as soon as possible.

Time frames are hard to predict as they are dependent on many factors, such as the severity of your injury or condition. It is also about the type of cover you were claiming / have been denied. What is import to remember however is that we have an experienced team who understand the insurance industry, know how insurance companies work and realise that you need to proceed as quickly as possible. So the sooner you contact us, the sooner we can begin investigating your claim.

Clients are sometimes given offers to substitute long term eligibility for income benefits with a capitalised lump sum and given short notice in which to make a decision. Royds Withy King can provide speedy advice to help decide what to do.

It is often advisable to take advice from a specialist solicitor before making a claim to the Ombudsman if only to ensure that the best information is made available to support your claim.

The claim is the money you are entitled to under your insurance policy. Where payments must be backdated you will receive a lump sum to cover those.  Royds Withy King has helped clients recover sums in excess of £50,000.

Our insurance team will be able to access employment law advice for you. Employers have are required by law to protect employees in this situation and very often should not sack employees if it will affect eligibility for insurance benefits.

Contact us for a no obligation discussion and to find out how we can help you get the insurance payment you need.