Complaining About Health Insurance
If you have a complaint related to your health insurance then you do have redress, initially with the medical insurance company and if you are not satisfied, with the Financial Ombudsman Service (FOS).
1) Your first port of call is your health insurance provider. They will have a complaints procedure which you will have to follow. Ask to be sent a copy of the complaints procedure. This will give you a timescale by which they agree to deal with your complaint. Without following this you have no standing with the Financial Ombudsman.
2) Decide what you want to achieve from your complaint and make sure that you communicate this with the insurer.
3) Write to your insurance company explaining in as much detail as possible the nature of your complaint. Include all your details as well as copies of any documents that are relevant to the complaint. If you keep to written communication then you will have a copy of everything that has transpired. Its easy to forget what has been said in telephone conversations. IF you do have telephone contact take down the date, name of the person you spoke to and details of your conversation.
4) You should receive a reply within their agreed time scale. If not write again.
5) IF you are not pleased with a company's response then you can ask for a letter of deadlock. With this you can appeal to the Financial Ombudsman service which looks at each case impartially and decides whether applicants have a case. They can rule insurance companies to pay out up to £100,000 per case. Their website is: financial-ombudsman.org.uk
1) Your first port of call is your health insurance provider. They will have a complaints procedure which you will have to follow. Ask to be sent a copy of the complaints procedure. This will give you a timescale by which they agree to deal with your complaint. Without following this you have no standing with the Financial Ombudsman.
2) Decide what you want to achieve from your complaint and make sure that you communicate this with the insurer.
3) Write to your insurance company explaining in as much detail as possible the nature of your complaint. Include all your details as well as copies of any documents that are relevant to the complaint. If you keep to written communication then you will have a copy of everything that has transpired. Its easy to forget what has been said in telephone conversations. IF you do have telephone contact take down the date, name of the person you spoke to and details of your conversation.
4) You should receive a reply within their agreed time scale. If not write again.
5) IF you are not pleased with a company's response then you can ask for a letter of deadlock. With this you can appeal to the Financial Ombudsman service which looks at each case impartially and decides whether applicants have a case. They can rule insurance companies to pay out up to £100,000 per case. Their website is: financial-ombudsman.org.uk
Labels: health insurance, medical insurance
posted by Insurance News at
5:53 AM
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