Medical insurance - Amend policy: add family member

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Based on resolver’s experience to date, adding a family member to your policy will allow them to benefit from the services provided by the insurance provider. Contact your insurer to give the details of the person to be insured – be aware that failure to disclose any material facts could render your insurance invalid in the event of a claim. Adding another person onto your policy may cause your premium to rise. Check the small print on your policy as some insurers allow you to make a change without incurring a fee. If you think the charges you face for amending your policy are unfairly high - or if you have had to make a change because of what you think is a mistake on the insurer’s part - you can complain to the company directly. Ask for an address for customer services, and write giving clear details of your case - such as what happened, when, and why you think you have been unfairly charged. You should ask for the administration fee to be waived as a goodwill gesture; many insurers will be willing to do this. If it is a new policy and you are going to be charged a fee for making the change it might be worth cancelling the policy and starting again (within the 14-day cooling-off period) but check your policy for any charges incurred. If you are not happy with the outcome then as a last resort you can contact the Ombudsman, which will act as a mediator in your case. resolver recommends that you submit your concern in writing and resolver can assist you in submitting, recording and reminding you when and who to escalate to.

Resolver can help you resolve this issue quickly, free of charge and without the hassle. We can also help you with the next step of writing your complaint. Click on the link below to create your email.
You should know
  • If you’re making a complaint about making an insurance claim rather than a mis-sold policy, check your documents to see who the “underwriter” is. You’ll need to make a complaint to that organisation.

If you cannot resolve your issue you cannot raise your case to the Ombudsman until 8 weeks after you have first raised your complaint with your provider, or you have received a ‘letter of deadlock’ from the company stating that they cannot resolve the issue as you have asked. Your complaint must also not be older than 9 months. For an accurate decision by the Ombudsman you should provide a detailed file of your communications and supporting documentation. In addition make sure you explain what you want as an outcome as this will help assess your case.

 

 

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