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;

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.

Our credentials

“What the team is known for: Somerset-based practice that comes recommended for its focus on spinal cord and brain injuries. Also offers niche expertise in areas such as fatal accidents and animal cases. Strengths (Quotes mainly from clients): “They are all very approachable and friendly, and I think that’s the culture that exists throughout the firm. They are a close-knit team.” “They have that mentality of looking after the client first as opposed to their own interests. They always do what’s best for the client.” Notable practitioners: Stuart Brazington (Band 1) offers particular expertise in serious spinal cord and brain injury cases. According to one interviewee, he “knows his cases extremely well” and “has good judgement about which points are likely to be important.” Mark Hambleton (Associate to watch) covers a broad range of personal injury matters, including animal cases, sports injuries and motorcycle accidents. Sources describe him as “always very impressive” and note that he’s “very good with clients.””  Chambers 2017 Somerset

“What the team is known for: Outstanding personal injury practice adept at handling an impressive breadth of claims, including equine matters, industrial disease cases and cycling accidents. Notable expertise in chronic pain and fatal accident cases, as well as offering significant experience in catastrophic injury claims. Strengths (Quotes mainly from clients): “They were all empathetic but businesslike, and this formed absolutely the right mixture. Their advice was delivered to me in exactly the right way.” “They were brilliant and supportive.” Work highlights Acted for a professional jockey in a claim arising from a racing accident in Australia that resulted in complete paraplegia. The case was partially tried at the Royal Courts of Justice in London. Advised the widow of a man killed by a bullock, bringing precedent-setting liability claims under the Animals Act. Notable practitioners: Ian Carrier (Band 1) offers extensive expertise in catastrophic injuries, with a particular focus on spinal and brain claims. Impressed clients describe him as “very experienced and knowledgeable,” and note that he “has a genuine interest in you as a person.” He is also praised for his creative approach to complex cases. Tracy Norris-Evans (Band 1) draws on a wealth of experience in severe injury claims, including paediatric cases and those involving complex neurological issues. She frequently acts as a trustee in high-value settlements. According to one impressed source, Helen Childs (Band 2) was “absolutely superb from the outset” and had “phenomenal attention to detail.” She is held in high regard for her focus on major asbestos-related claims.” Chambers 2017 Oxford and Surrounds

“Royds Withy King sits on the panels for the United Kingdom Acquired Brain Injury Forum and Headway. Department head Louise Hart handles amputation, orthopaedic injuries, chronic pain, PTSD and facial injury matters. Stuart Brazington is also recommended.” Legal 500 2016 South West

“Royds Withy King, Tracy Norris-Evans is renowned for brain injury and paediatric work, and ‘shrewd lawyer and tactician’ Richard Brooks specialises in claims involving animals. Also recommended are Ian Carrier, who is adept in spinal injury claims; and Helen Childs, who leads the industrial diseases practice.” Legal 500 2016 South East


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.