 GonePremium
join:2011-01-24
Fort Erie, ON
kudos:3
 ·Start Communicat..
| reply to dirtyjeffer
Re: What happens when travel insurance rejects your claim said by dirtyjeffer:from what i gather from your statements (which makes sense), people fill out the form, leave things out, so they get the $300 insurance rate instead of the $1000 insurance rate...then if a problem happens, complain about the coverage being denied due to a pre-existing condition (or failure to disclose)...i realize that wasn't the case in peterboro's example, but i think in many others it could be. I think that's an overly simplistic view. I suspect in a lot of cases people either don't remember, or don't know how to accurately answer. One shouldn't confuse malice with ignorance. |
|
 dirtyjefferAnons on ignore, but not due to fear.Premium
join:2002-02-21
London, ON | i think you would be surprised at what people will say to "get their way"...from my 20+ in retail, i've heard and seen it all. |
|
|
|
 StyvasGolf Canucks GolfPremium
join:2004-09-15
Hamilton, ON | reply to Gone
Personally, I think that the insurance company should cover a claim but -- except in those cases where there is obvious fraud or attempt to misrepresent -- charge the difference between the premium they paid and the premium they should have paid.
In other words, if answering the questions accurately would have resulted in a $1,000 premium when they only paid $300, charge them $700. If accurate answers would have made them ineligible for coverage, then refund the premium and reject the claim.
--
"Moving your Tylenol to the low shelf in your medicine cabinet is not the way to prevent children from falling off a stool when reaching for the top shelf." (said by Savant, May 2008) |
|
| reply to Gone
said by Gone:said by dirtyjeffer:from what i gather from your statements (which makes sense), people fill out the form, leave things out, so they get the $300 insurance rate instead of the $1000 insurance rate...then if a problem happens, complain about the coverage being denied due to a pre-existing condition (or failure to disclose)...i realize that wasn't the case in peterboro's example, but i think in many others it could be. I think that's an overly simplistic view. I suspect in a lot of cases people either don't remember, or don't know how to accurately answer. One shouldn't confuse malice with ignorance. This is true, most of the times people just forget what they take their meds for. alot of people dont even know why they take certain meds, thats scary.
But there are some that do refuse to answer honestly and then get dinged, but it's a small number, rarely even, we can tell when someone lied just by their tone of voice when we confront them about it. |
|
| reply to Styvas
said by Styvas:Personally, I think that the insurance company should cover a claim but -- except in those cases where there is obvious fraud or attempt to misrepresent -- charge the difference between the premium they paid and the premium they should have paid.
In other words, if answering the questions accurately would have resulted in a $1,000 premium when they only paid $300, charge them $700. If accurate answers would have made them ineligible for coverage, then refund the premium and reject the claim.
That is how it works actually. If you are a misrep, we do reimburse your premium. In some cases you are offered to buy the correct policy but the condition you had to be seen for is still denied. |
|
StyvasGolf Canucks GolfPremium
join:2004-09-15
Hamilton, ON | said by OverrRyde:said by Styvas:Personally, I think that the insurance company should cover a claim but -- except in those cases where there is obvious fraud or attempt to misrepresent -- charge the difference between the premium they paid and the premium they should have paid.
In other words, if answering the questions accurately would have resulted in a $1,000 premium when they only paid $300, charge them $700. If accurate answers would have made them ineligible for coverage, then refund the premium and reject the claim.
That is how it works actually. If you are a misrep, we do reimburse your premium. In some cases you are offered to buy the correct policy but the condition you had to be seen for is still denied. I understand that, as long as the denial is for something that never would have been covered, and not for an oversight on the application (again, I'm not excusing outright fraud here).
What I'm saying is that, other than cases of explicit fraud, the claim should be covered if it could have been covered, but at the correct premium. I realize that this is an unlikely business decision on the part of the insurance company. I'm saying that I think it SHOULD be that way, not that I expect it to be.
--
"Moving your Tylenol to the low shelf in your medicine cabinet is not the way to prevent children from falling off a stool when reaching for the top shelf." (said by Savant, May 2008) |
|
 elwoodbluesElwood BluesPremium
join:2006-08-30
HarperLand | reply to Styvas
Why collect another $700 (your example) to pay out $1000's when they can just deny the claim? Not good business. |
|
StyvasGolf Canucks GolfPremium
join:2004-09-15
Hamilton, ON | I made that point. Thanks for reading to the end of my post.  |
|
elwoodbluesElwood BluesPremium
join:2006-08-30
HarperLand | My bad, I tend to skim over things... |
|
