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Private insurance work cover complications

3 REPLIES 3
MapleSam
Member

Re: Private insurance work cover complications

Thanks for your email and I’m so sorry about your mum. 😞
It turns out the line in the policy that they keep going back to is “no follow up surgery on anything relating to the reconstruction”. Which I assume is written in there to protect themselves against women who might want second and third surgeries to correct the look of their reconstructed breast. And in some ways I get that they could be caught up in multiple pay outs as we all know boobs don’t usually match after.
So I see their point that they don’t want to revisit. But I had had a brief conversation with someone there two months ago and that person said the hernia would be covered. So today I asked them to listen back to that conversation to prove my point that I was mislead. They did and they have concluded that I was mislead. So it’s back on and they will cover it now. Phew. They still stick by the line that this is a revisit of the reconstruction but I’m now beyond caring. I’m just glad it’s still going ahead next week and I can close this chapter!

Thanks for your input and good luck with all things in the future.

🙂
Bondgirl
Member

Re: Private insurance work cover complications

Hi, I have private health insurance with Aviva and not had any problems when asking them to cover issues connected with the breast cancer. for example all my treatment was in 2014 and in March this year after struggling with dryness in the vagina I asked if I could see a gynacologist - yes no probelm they said. Also, my liver functions were raised a lot in August after seeing my oncologist - could I see a liver specialist - yes no problem. 

 

Unfortunately my mum was diagnosed with ovarian cancer in Sept 16 Stage 4b 😞 she died Jan 17) because of the connection  between breast and ovarian I told my oncologist who asked for a ct scan and again they had no problems.

 

I dont see why you arent covered - maybe ask them if you get a letter from your surgeon or gp that states the problem is as a result of surgery for the breastcancer, unless there is a specific clause in your policy or your company has a certain level of cover. I would ask them why you are not covered.

 

Hope you get the answers you need 

MapleSam
Member

Re: Private insurance work cover complications

That was meant to read Private Insurace WONT cover complications.
MapleSam
Member

Private insurance work cover complications

I had a mastectomy Diep reconstruction in March 2018 which was successful but unfortunately I developed a large hernia on my tummy scar. It’s grown a lot on the six months throughout chemo and radio treatment and now that I’m finished I need it repaired. My insurance say it’s not covered under my policy. Does anyone out there have any experience in this department (as a patient or someone who works in the industry) It shocks me that they can dismiss me as a patient just because I had complications.

Any suggestions on how to challenge this would be greatly appreciated

Thanks.