Questions Of Cash: Prevaricating Pru was giving me the needle


Q. I made a claim for acupuncture from my PruHealth Personal Health Fund. Prudential has repeatedly promised to meet the claim, but it has instead rejected or ignored them. They have also continually changed the criteria on eligibility. I have spent many, many hours trying to sort this out with Prudential and I don't believe that this can be resolved without third-party assistance.
HP, Lewes.

A. You contacted us in May – and we hope that this matter is now resolved in a satisfactory way. But it is frustrating that it has been necessary to engage in a substantial, time-consuming and long-lasting correspondence with Prudential to reach what appears to be a solution.

Shortly after we initially raised the problem with Prudential you received a cheque for £292, settling the claims outstanding when you contacted us. However, by this time other claims had been submitted and these were also not immediately paid. Prudential has now agreed to pay you £200 in compensation for its failure to deal with your claims promptly. Prudential also confirms that your policy entitles you to 10 further acupuncture sessions before the end of January without additional authorisation and providing you do not go above the £600 cap on such treatments in any one policy year.

Should you need additional treatment, you will need to get prior authorisation from Prudential before you book the sessions. In a statement, Prudential said: "We have concluded that [the reader] did not receive service of the highest standard from the customer support team. We would like to apologise that this has persisted throughout her claim." It said that some of the problems were made worse by you not being available to discuss these by phone. Another complication was that you had a second health insurance policy with the company.

Prudential explains: "The main issues revolved around initially declined payments as a practitioner did not have the appropriate registration followed by a declined payment due to the customer being unaware that payment for the same treatment episode cannot be split between the PHF and normal insurance benefit. The issues could have been avoided had we been more complete in describing all the information we needed to process a claim after the customer initially contacted us." It has also agreed to pay for one claim that was previously rejected. It will not make a deduction for the element of this claim that was separately paid for by the second health insurance policy.

Q. I am unhappy that when I gave my details to a price comparison website to buy an insurance policy, this was followed up by both a phone call and a letter. This puts a potential purchaser under pressure. AB, Nottingham.

A. The phone call you received was from an insurance broker, who was providing more detail on the limitations to the cover available, which enabled you to decide not to proceed with the policy purchase. The letter you received was from Churchill, and was unconnected with your online enquiry. Churchill, which is part of RBS, says it does not have a commercial relationship with the price comparison website you used.

Q. A few weeks ago you referred to three specialist health insurers who provide cover for people with impaired health histories. Could you provide me with web addresses of these insurers? JS, by email.

A. We quoted three specialist travel insurers, whose names were provided by the Association of British Insurers. The three are AllClearPlus, whose web address is www.allcleartravel.co.uk (0845 250 5200); Free Spirit, www.free-spirit.com (0845 230 5000); and It's So Easy Travel Insurance, www.itssoeasytravelinsurance.com (0845 222 4205). A more comprehensive list of insurance brokers who offer travel policies for people with impaired health histories can be obtained through the website of the British Insurance Brokers' Association: www.biba.org.uk.

Q. I recently returned from a holiday in Tunisia with my daughter, flying with Tunisair from Heathrow. I booked the last flights home for my return from Heathrow to Belfast. But the flight back from Tunisia was delayed by almost three hours and we missed our connecting flight home. We had to buy new flights the following day and get overnight accommodation. This cost us an extra £200. Neither my insurance company nor the airline will meet our costs. What should we do? CM, Belfast.

A. You will have to bear the loss yourself. Your insurer says that your policy does not cover losses caused by travel delays: it is important to ensure that you take out a travel policy that meets your specific needs. Airlines are not required to pay compensation for flight delays of less than three hours: the situation regarding compensation for delays of more than three hours is currently subject to legal review.

Update

In December, we published a letter from DW of Kirby, complaining that he had received a letter from Digital Satellite Warranty Cover asking for payment. As he was expecting a renewal of his Sky Repair Plan, he paid the requested £95.99. When he separately received a bill from Sky, DW realised that he had inadvertently paid the wrong company. We were unable to make contact with Digital Satellite Warranty, but obtained a goodwill refund through your credit card issuer, Barclaycard. Sky told us that it had received several complains about Digital Satellite Warranty. We are pleased to report that the Financial Services Authority has now obtained a High Court ruling appointing provisional liquidators over Digital Satellite Warranty Cover Limited and two other businesses – Satellite Services and Nationwide Digital Satellite Warranty Services Limited – that offered a form of extended warranty. All three businesses were operated by Bernard Freeman and Michael Sullivan. DSWC made a profit of around £10m in one year, with a customer base of up to 200,000 people. Satellite had a turnover of £2.1m this year. The FSA successfully argued that the warranties constituted insurance policies and that the firms had not been authorised by the FSA to operate insurance businesses. Sky has agreed to provide free support to all customers of the three businesses during the remaining contract periods.

Questions of Cash cannot give individual advice. But if you have a financial dilemma, we'll do our best to help. Please email us at: questionsofcash@ independent.co.uk.

Independent Partners; request a free guide on NISAs from Hargreaves Lansdown

Voices
On the last day of campaigning before the polling booths open, the SNP leader has written to voters in a final attempt to convince them to vote for independence
voicesIs a huge gamble on oil keeping the First Minister up at night?
Life and Style
techApple has just launched its latest mobile operating software – so what should you do first?
Arts and Entertainment
tv

Arts and Entertainment
Rosalind Buckland, the inspiration for Cider with Rosie died this week
booksBut what is it like to be the person who inspires a classic work of art?
PROMOTED VIDEO
Arts and Entertainment
The former Doctor Who actor is to play a vicar is search of a wife
film

Matt Smith is set to join cast of Jane Austen classic - with a twist

News
A male driver reverses his Vauxhall Astra from a tow truck
newsThe 'extremely dangerous' attempt to avoid being impounded has been heavily criticised
Arts and Entertainment
Lionel Messi in action for Barcelona
filmWhat makes the little man tick?
Arts and Entertainment
tvReview: An undercooked end (spoiler alert)
News
i100
Arts and Entertainment
Pharrell dismissed the controversy surrounding
musicThe singer said 'the last thing I want to do is degrade'
Sport
Cesc Fabregas celebrates his first Chelsea goal
footballChelsea vs Schalke match report
Arts and Entertainment
Toby Jones (left) and Mackenzie Crook in BBC4’s new comedy The Detectorists
tvMackenzie Crook's 'Detectorists' makes hobby look 'dysfunctional'
Life and Style
fashion

Olympic diver has made his modelling debut for Adidas

News
i100
Finacial products from our partners
Property search
Latest stories from i100
Have you tried new the Independent Digital Edition apps?
Independent Dating
and  

By clicking 'Search' you
are agreeing to our
Terms of Use.

ES Rentals

    iJobs Job Widget
    iJobs Money & Business

    Property Underwriter

    £70-90,000: Saxton Leigh: Our client a London Market Insurer are seeking a Pro...

    Operational Risk Manager - Asset Management

    £60,000 - £80,000: Saxton Leigh: Our client is an leading Asset Manager based...

    Trainee Recruitment Consultant Birmingham

    £18000 - £23000 per annum + Comission: SThree: The SThree group is a world lea...

    Trainee Recruitment Consultant - Birmingham - Real Staffing

    £18000 - £23000 per annum + Commission: SThree: Real Staffing are currently lo...

    Day In a Page

    Mystery of the Ground Zero wedding photo

    A shot in the dark

    Mystery of the wedding photo from Ground Zero
    His life, the universe and everything

    His life, the universe and everything

    New biography sheds light on comic genius of Douglas Adams
    Save us from small screen superheroes

    Save us from small screen superheroes

    Shows like Agents of S.H.I.E.L.D are little more than marketing tools
    Reach for the skies

    Reach for the skies

    From pools to football pitches, rooftop living is looking up
    These are the 12 best hotel spas in the UK

    12 best hotel spas in the UK

    Some hotels go all out on facilities; others stand out for the sheer quality of treatments
    These Iranian-controlled Shia militias used to specialise in killing American soldiers. Now they are fighting Isis, backed up by US airstrikes

    Widespread fear of Isis is producing strange bedfellows

    Iranian-controlled Shia militias that used to kill American soldiers are now fighting Isis, helped by US airstrikes
    Topshop goes part Athena poster, part last spring Prada

    Topshop goes part Athena poster, part last spring Prada

    Shoppers don't come to Topshop for the unique
    How to make a Lego masterpiece

    How to make a Lego masterpiece

    Toy breaks out of the nursery and heads for the gallery
    Meet the ‘Endies’ – city dwellers who are too poor to have fun

    Meet the ‘Endies’ – city dwellers who are too poor to have fun

    Urbanites are cursed with an acronym pointing to Employed but No Disposable Income or Savings
    Paisley’s decision to make peace with IRA enemies might remind the Arabs of Sadat

    Ian Paisley’s decision to make peace with his IRA enemies

    His Save Ulster from Sodomy campaign would surely have been supported by many a Sunni imam
    'She was a singer, a superstar, an addict, but to me, her mother, she is simply Amy'

    'She was a singer, a superstar, an addict, but to me, her mother, she is simply Amy'

    Exclusive extract from Janis Winehouse's poignant new memoir
    Is this the role to win Cumberbatch an Oscar?

    Is this the role to win Cumberbatch an Oscar?

    The Imitation Game, film review
    England and Roy Hodgson take a joint step towards redemption in Basel

    England and Hodgson take a joint step towards redemption

    Welbeck double puts England on the road to Euro 2016
    Relatives fight over Vivian Maier’s rare photos

    Relatives fight over Vivian Maier’s rare photos

    Pictures removed from public view as courts decide ownership
    ‘Fashion has to be fun. It’s a big business, not a cure for cancer’

    ‘Fashion has to be fun. It’s a big business, not a cure for cancer’

    Donatella Versace at New York Fashion Week