25.9.99
Financial Mail on Sunday
…a
claim goes in the real definitions become apparent. "Your patient is
claiming is [sic] respect of ... and, if this is confirmed the sum assured is
payable". This is not a true statement.
The sum assured, in
theory, is payable, but actually is not payable because
it has been confirmed.
…interpretation that it
is misleading in order to trap the information provider(s).
…not possible to obtain
literature, or any similar kind of information, from ABBEY
LIFE unless from a financial advisor (salesman)
…other companies freely
and comprehensively satisfy such requests by post.
…15 months between October
97 to December 98
during which time ABBEY LIFE ASSURANCE COMPANY
LIMITED maintained that there was evidence of a pre-existing
condition at least 14 months before the
ultimate diagnosis (27th November 1996).
…have not and
absolutely refuse to this day to reveal what these alleged associated
symptoms/manifestations are.
…work backwards by at
least 14 months from the diagnosis date to predate cover simply to justify
refusing my claim.
…accessing the medical history
to then find appropriate observations. The Lords have debated and concluded
(reported in The Times 4.12.98) that a pre-existing condition cannot exist
until after a diagnosis.
A symptom cannot be such
until a diagnosis is made to assign an observation to a then known condition.
…unknown
condition is not likely to be specifically excluded…
…referral to a
specialist (October 1996) does not constitute
advice for an unknown condition.
…administrator has the
delegated authority to make complex medical judgements concerning life
and death situations.
…implies that the
involvement of the Chief Medical Officer is not necessary.
·
There may well be a legal issue here.
…settling this valid
claim until forced to do so (the IOB decision is binding).
…sustained psychological
assault.