Reply to: GP's and medical reports

[robnjc]

Looking around they did have "much cheapness" in their favour, you can't have it all and to be fair its not them thats holding it up.

should have gone to an IFA

[Gonzo]

It is a few years ago now, but I had similar troubles when I took out a policy a few years ago.

This was because I had declared some minor ailment that had had medical attention in the previous year before applying.

The insurance company could not get any answers out of my GP, but because I had been treated privately I still had copies of all the letters from the specialist. (I would probably have had similar letters if I had been seen NHS come to think of it).

Anyway, I sent copies of those letters to the Insurance company, especially the one giving me a clean bill of health, and the underwriters were perfectly happy with that.

[gingerjedi]

Norwich Union was the 1st big UK co to move everything to India.

Looking around they did have "much cheapness" in their favour, you can't have it all and to be fair its not them thats holding it up.

[Ardesco]

Some time ago, just by chance, I saw my medical records up on the surgery computer screen and noticed it contained illnesses and ailments that I know I had never suffered from. You know, just minor things like.......Emphesyma (a non reversable serious lung disorder) and some sort of leg blood clotting . I queried it immediately and discovered that the surgery had combined my history with another 60 year old patient that shares the same surname.

Thankfully, I wasn't applying for private med insurance, but if I had been I would have been turned down flat unbenown to me why I had been refused. Premiums are bad enough when you just smoke, as I was at that time, but to have emphesyma (which does sometimes afflict very heavy prolonged smokers) is a complete non starter.

I always wondered why I was offered a free lung test for the past two years at the surgery - I just thought they were more conciencious than my last practice.

No need to worry, the new consolidated system that is accessible by all won't have any errors in it, yay Nu Liemore.....

[Denny]

Think yourself lucky!

Some time ago, just by chance, I saw my medical records up on the surgery computer screen and noticed it contained illnesses and ailments that I know I had never suffered from. You know, just minor things like.......Emphesyma (a non reversable serious lung disorder) and some sort of leg blood clotting . I queried it immediately and discovered that the surgery had combined my history with another 60 year old patient that shares the same surname.

Thankfully, I wasn't applying for private med insurance, but if I had been I would have been turned down flat unbenown to me why I had been refused. Premiums are bad enough when you just smoke, as I was at that time, but to have emphesyma (which does sometimes afflict very heavy prolonged smokers) is a complete non starter.

I always wondered why I was offered a free lung test for the past two years at the surgery - I just thought they were more conciencious than my last practice.

[Ardesco]

What is it with kids??? I found myself browsing for 4x4’s this morning… something I vowed I would never do.

You just need to have more

Once you have three of them you can buy the missus a chunky people carrier and then go and browse for a sporty 2 seater. Not liek you are ever going to go out with the kids in your vehicle anyway so you may as well buy a fun one

[DimPrawn]

Norwich Union was the 1st big UK co to move everything to India.

And now there level of customer service is showing through.



Advice. Take your business elsewhere.

[MrRobin]

I'll ring NU

Oh dear... Good luck...

NU have the worst customer service record...

[oracleslave]

What is it with kids??? I found myself browsing for 4x4’s this morning… something I vowed I would never do.

<looks out the window at family volvo>

Welcome, the fun is just beginning

[gingerjedi]

Hmmm I'll chase him up at the end of the week and if he hasn't done it I'll ring NU and suggest a private medical paid for by themselves, if they don't like it I'll take my business to a company that does.

It just annoys me that my wife and child’s future is being put at risk due to him being a bit busy!

What is it with kids??? I found myself browsing for 4x4’s this morning… something I vowed I would never do.

[sjm27]

That's a pretty darned generous insurance company. Full medical on Harley St must be in excess of a grand - probably about a year's premium!!!

More like 4 months premium...had a few different policies.

[MrRobin]

(Unfortunately?) your GP works for the NHS, not you or the Insurance provider, so I don't think you'll be able to put much pressure on him/her. If I were you I'd contact the insurance company and request they pay for a private medical examination. This is what I did and I went to a doctor on Harley Street for a full medical. They do what they're told otherwise they don't get the business! You're GP gets paid his salary either way.

That's a pretty darned generous insurance company. Full medical on Harley St must be in excess of a grand - probably about a year's premium!!!

[SueEllen]

(Unfortunately?) your GP works for the NHS, not you or the Insurance provider, so I don't think you'll be able to put much pressure on him/her.

The insurance company actually pays the GP to write the report. However the payment can be as low as £25 so won't be worth your GP's time if they are a partner in the practice.

[DimPrawn]

Me and Mrs Jedi have just had baby No 1 and not wanting my family to go without I did the grown up thing and applied for some life insurance to cover the mortgage etc, I originally applied at the beginning of November but now I'm getting phone calls and letters from the insurance company saying they've contacted my GP several times and if he doesn't provide a medical report within 14 days they will cancel the application and I'll have to start again, I rang the surgery and they confirmed that yes they have had several letters requesting this but all they could do was tell me he was rather busy and they would remind him again, now I appreciate he may be bloody busy but a medical report is pretty much essential to me getting cover! It really pi55es me of that my new family is at risk of poverty because my GP can't be bothered.

Where does the law stand on this? Does he have to provide one in a reasonable time or is it perfectly normal practice to just to not bother? Anyone have any similar experiences of this?

Fook these insurers.

They should pay for a private medical exam, after all, they are making a packet out of the premiums.

Ditch them and find alternative insurers that include a private medical.

PS. GP's now earn £250K pa. on the NHS contract, so I don't think they really give a tulipe these days. Too busy invoicing. Kerrrrrrchinnnng!

[sjm27]

(Unfortunately?) your GP works for the NHS, not you or the Insurance provider, so I don't think you'll be able to put much pressure on him/her. If I were you I'd contact the insurance company and request they pay for a private medical examination. This is what I did and I went to a doctor on Harley Street for a full medical. They do what they're told otherwise they don't get the business! You're GP gets paid his salary either way.