Articles & News About Health

Permanent Health Insurance. No Payout For Me Sufferer.

ME, also known as chronic fatigue syndrome, is a recognised illness. However, some of the big health insurers see it quite differently, as the case of Miss A demonstrates.

Miss A has been living with ME for eight years, an aggressive form which has kept her wracked with pain and completely unable to work and support herself. Living on benefits totalling ?180 a week, she depends on her boyfriend and family to look after her.

It could have been very different, because Miss A had permanent health insurance through her employer. The insurer is Swiss Life, and although they did pay out on her claim at first, they decided to stop paying out five years ago. On the terms of the insurance policy, she was receiving a regular income amounting to 75% of her salary ? then it stopped, and since then, she has received nothing. She estimates that she is already been denied access to ?40,000.

So what has Swiss Life got to say on the matter? It?s not so much what they said, but what they DID, that is the real eye opener. Showing a distinct lack of respect for the debilitating illness, they used covert video surveillance to track her movements and gather evidence to prove that she was not worthy to make the claim. They have used footage of Miss A leaving the house to attend a medical appointment, and then going to visit her Mum, to suggest that she would be perfectly capable of doing a day?s work. This is a view that medical experts have soundly rubbished, especially as ME can vary from day to day, leaving sufferers able to perform small tasks one day, and then consigned to bed the next.

Video evidence showing Miss A on her feet would not ever convince a doctor, who knows all too well what effect ME has on people?s lives, but Swiss Life has used the evidence as proof of her being ?active and mobile?. They also have other criticisms of Miss A which has enabled them to successfully deny her claim; for example, they say they have seen no long-term evidence of her inability to work. They also say that she resisted rehabilitative treatment back in 2002, when in actual fact Miss A was unable to complete the course because she suffered a relapse.

Even a Harley Street doctor and ME specialist has examined Miss A and can verify that she is suffering from ME and is deserving of her health insurance payments. To no avail with Swiss Life. The only way that Miss A can win her case is to take it to the Financial Ombudsman, and they have already said that any compensation will be limited to a maximum of ?100,000. Miss A is not willing to take the risk, and is distrustful of the Ombudsman. Who can blame her, when she has been treated so badly so far?

Resolution, the owners of Swiss Life, says that they wouldn?t stand in her way if she wanted to progress the case with the Ombudsman.

The problem that Miss A is having is being experienced by many people with what insurers deem to be ?designer diseases?. The insurers think that people are trying to take them for a ride. The reality is that people are suffering, and they are not receiving the payout they are due. Those looking to buy a health insurance policy should be absolutely sure that the company has a good attitude towards diseases like ME, so if the worst does happen, you will be covered. Try the Internet for the cheapest prices, and for an extensive range of tips and advice.

New and up to date articles from Insurance Island http://www.insurance-island.co.uk

Other Article Sites

findabook.com  moneycd.info  a-mortgage.info   about-lemon-laws.info  aboutstudentloans.info
all-about-publishing.info  auctions-articles.info  bestcollege-university.com  bestispconnection.com
biblefolder.com  blogger-website.com  books-used.info  brokers-guide.info  buywindows.info  cable-dsl.info
career-miner.com  carpel-tunnel.info  cashinaflash.info  cashloanreviews.info  casinobell.com  chat-house.info
clearmycredit.info  collegeloantips.info  crones.info  depression-articles.info   dirnic.net  dishguides.info
divers-below.com  expodog.info   financewizz.com  fire-insurance.info  getgood.info  handleit.net   it-idea.info
health-supplies.info  hosting-right.com  insidealert.com  insurance-facts.info  jobs-employment.info
justgood.info  lookgold.net   lowcost-travel.info  money-source.info  myhostzone.info  numisblog.com
peoplesearchfinder.info  pr-articles.info  realeas.com   refinancing-guides.info  spyware-remove.info
telelot.info  the-law.info   toppaid.info  travel-deals.info  travelcorrect.com  wedding-guide-site.com
your-blog.info  your-credit.info

The PIE Diet - Mental Health Food
"The PIE Diet - Mental Health Food" reveals an award-winning program for individual growth, which has previously been available only to the corporate world. It outlines necessary action-steps to make the "law of attraction" work for, and not against, individuals and corporations. Contained is a easy step-by-step process for conditioning the subconscious mind to both envision and enable control of who we are, what we do, and what we desire to achieve with our lives.

Florida Health Insurance Highlights 2008 Presidential Health Care Plans
FloridaHealthInsuranceWeb.com, a health insurance consultant service, has published a non-partisan report of each of presidential candidates positions on healthcare. 'The upcoming elections will impact Florida's health care system' said consultant Morgan Moran in a phone interview, 'it's up to you as Florida residents to turn out January 29 and choose which candidate delivers the best insurance plan'.

A Diet Primer For Health Food And Vitamins
Quite often, we want to eat healthier but don?t know exactly how to start. Sometimes food you think might be good may in fact not be right for you, and vice-versa. This article looks at some simple diet changes you can start to make right away that will improve your overall health.

Diet for Disease Prevention and Senior Health Care
Maintaining a healthy diet throughout life can do more than just keep you slim and fit. Healthy eating is important to senior health care and can sometimes prevent diseases such as heart disease and cancer, as well as provide relief for diseases such as osteoporosis. Unfortunately, the importance of eating well is often pushed aside by our busy day to day lives. We continue to jeopardize our future health and get caught up in the cycle of fast food, large portions and sodium laden meals. A healthy diet doesnt have to be daunting on our schedules, or mean giving up all the food we love. A simple eating plan can actually make meals and snacks more efficient for both our time and our bodies.

Natural Health Care and Holistic Dog Health
Holistic dog health care has emerged as a natural way for pet owners to ensure that their dogs are healthy, living long, happy lives well into old age. Perhaps the most important aspect for a dog's health would be a unique blend of vitamins, minerals, and other nutrients to make sure the joints, organs, and digestive systems make work in harmony as well with the skin and coat being healthy. A diet of meat, vegetables, and whole grains without any processed foods or unnecessary fillers is usually recommended when following the holistic approach to dog care.

New Health Website Provides Health Tips About Alternative Natural Health Care
Summary: In answer to the need for helpful information on alternative natural health care a new site, http://www.youralternativehealthnetwork.org has been launched. The site provides quality information regarding alternative health issues and is the brainchild of Mike Hepburn.

Vitamin Diet Patch Now Available for Health Food Stores from NAZCO Wholesale Herbal Supplement Dropshipper
Health food supplement diet patches are a blend of herbal nutrients, offering safe and effective weight loss diet application like a nicotine diet patch. The supplements diet patch allows the herbal formula on the diet patch to enter directly into the bloodstream, suppressing appetite between meals while providing weight loss, diabetes and chronic fatigue relief support and increased energy level on the go.

Senior Health Care Insurance - Sourcing The Right Plan
As people reach their senior years the task of protecting assets and putting in place the appropriate legal, financial and health coverage can be quite confusing and somewhat daunting. As people reach their senior years the task of protecting assets and putting in place the appropriate legal, financial and health insurance coverage can be quite confusing and somewhat daunting. One of the most complicated matters that is required to be addressed is that of putting in place an appropriate senior health care insurance plan. As such it is vitally important to recognize that there are quite a number of options that should be considered when it comes to this specialized type of insurance. However, once the required information is obtained it make...

Hormel Health Labs Launches Health Food Website for Seniors
For the seven million elderly Americans receiving home-based medical care, staying healthy just became easier. Hormel Health Labs, one of the nation's leading providers of nutritional products geared towards seniors, has announced the launch of its new ecommerce website, www.homecarenutrition.com . The new site makes it easy for caregivers to order essential, healthy products to improve the lives of their loved ones.

Health Care - If You Love Health Care
All about Health Care: Intended For Individuals

Health & Dental Care Costs Rising At Epidemic Proportions – Here's How To Protect Yourself & Family
Health care costs are now approaching 15% of our national economy and the economic repercussions have been felt by most American families as employers are unwilling to absorb the bulk of the health care cost burden.In 2004, employer health insurance premiums increased by 11.

Health Insurance, Health Care Issues Now Top Rated Topics for Radio Listeners According to Arbitron
The Health Insurance Advocate Show, With Cary Hall, Achieves One Year Ratings Increase of 119 Percent in Western Missouri, Eastern Kansas Market and 576 Percent in Wichita, Kansas, Market By Delivering Clarity and Eliminating Confusion

Baby Health Care, Child Health Tips, Parenting Guide, Baby Strollers, Massage
Parenting Guide

World Health Care Congress Launches ReformPlans.com to Encourage and Focus Health Care Reform Discussion
The World Health Care Congress today announced the launch of ReformPlans.com (www.reformplans.com), an innovative and comprehensive web site that brings the real issues in health care reform to a broader audience.