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INSURANCE - THE TRUTH !

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potter260

Newbie
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3
Dear all,

The truth about insurance....the fact is until you die your on your own "fact"

last week in London doing a little Christmas shopping as you do I bumped into / stepped on a homeless chap in a doorway, a long story short he was cold, withdrawn, unhappy I could go on! so I popped to mac d's and brightened his day with a large bigmac meal, and to my surprise my new friend appeared to be diabetic! with this in mind we started to chat about all thing sugar free until I plucked up the courage to ask the question regarding his current situation and homelessness, again a long story short but I found my self near reduced to tears as this helpless individual unloaded a life of pain in a few sentences.....

A once happily married dad of two like many finds him self separating from his wife and kids and entering into a 6 month divorce with his ex partner, having lost both his wife and given limited access to his kids his family like many moves thousands of miles away to start a new life journey. a number of months after my new friend is taken ill and diagnosed with cancer! and alone in the world, Months latter and forced to leave work due to ill health he looses his home due to lack of earning and short payment! "insurance" I hear you say! As we all know as a type 1 diabetic we don't get the privilege of normal folk! NO CRITICAL ILLNESS COVER...NO LOSS OF EARNINGS COVER....ONLY DEATH, if we examine this I'm sure this 100% discrimination! do we do anything about...no! but we should!! As he continued to talk I advise that the NHS must be able to help, support, advise ?? His response was I am better off dying in the streets! this way I should be able to leave my family some money for a university fund...as I'm only covered for death and then laughed

I know nothing about the type of cancer or any circumstances other than what he told me but for an individual to opt to refuse help and die on the streets as a diabetic cancer patient only wanting his dignity and home back and to pass in his own house with his family....I'm speechless! we cant help with personal relationships but surely as a country more than willing to home 1000000's we could at least offer an insurance policy that covers critical illness for type 1 diabetics......excluding the obvious and poss some common associated conditions! this has to change as my new friend cant be the only one affected by the discrimination imposed by insurance companies in the uk! It was his belief that he would not see another Christmas!

Many parts of the conversation have not been mention but you get the general drift as grown men we were both reduced to tears. I begged the man to let me help him! he refused and said it would only make it more painful, it got to the point when he asked me to let him sleep so I left persuading him to take 40 pounds to buy food, The whole experience haunts me as lets be honest his circumstances are not unusual and I could be next! For all you administrators who claim to be the font of all things diabetic! time to show some real talent and stop this before we loose someone else to this outrageous form of discrimination.........
 
Hiya, Really sad story. But isn't it the case where people often fail to declare an illness on critical illness insurance and then the claim is repudiated.

I had my own business for 12 years and, because of the scale of the business and the size of the loans, the bank insisted I took out 'key-man' insurance which, save all the explanation had to include critical illness. I decided to buy the policies from the bank and keep everything together. The rep came out to see me and explained that, as he was aware of the loans, he should spend time explaining what could cause the insurance policies to fail in the event of death or critical illness and I would then be liable for defaulting on the lends. At that time I was healthy and not Diabetic. He went to tell me that if I developed any health conditions I should tell them, this may lead to an increase in premiums but he explained that was better than any claim being repudiated for failing to declare a new condition. There was no exclusions for diabetes though?? I remember him bringing that one up, I was covered for anything that could happen. So I don't know why this poor chap you met had such a mare with insurance not paying out. I wonder if he lied about, withheld or failed to declare something. Kind regards, Q..


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Yeh! Poor chap

Havering made inquiries my self ther is no companies that offer critical illness or any kind of income protection so the info is correct! Only death is available at a lodes premium!

As mentioned a policy exclude ong common issues would be acceptable but no! So as mention pure discrimination! How is this allowed?? I see no respone from any official?? Must be the case that it's fact and there is no justice or indeed help to resolve this issue for all of us! We all need it! If not for ourselves but our families!
 
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