How long can the insurer take?

Complaints handling timescales are set by the insurer's complaints procedure and by the rules that apply to insurers. Ask for a final response in writing so you know where you stand.

What if my appeal is refused?

Ask for a final response letter. Once you have it, you can normally refer the complaint to the Financial Ombudsman Service, which is free to use.

Send-a-Letter.co.uk

Challenge a declined health insurance claim

Has your claim been declined or only partly paid? This letter asks the insurer to reconsider, with your reasons set out.

Fill in and watch your letter appear.

Your details

Full name *Street and number *

PostcodeTown or city *

Who are you writing to?

Name of the company or organisation *Street and number *

Postcode *Town or city *

Country *

About your letter

Claim numberShown on the decision letter or in your online account.Date of treatmentAmount claimedWhy should this be covered? *For example: the treatment is covered by my policy, or it was pre-authorised, or I have a referral from my doctor.

Email address

We send your confirmation here.

Registered mail is not available to United Kingdom.

Please fill in the fields marked *.

What to look out for

Check your policy wording first, along with any excess and any limits or exclusions that apply.
Quote the exact wording of your policy that you say covers the treatment.
Attach or offer supporting evidence such as a referral letter, pre-authorisation or treatment plan.
Reply within any deadline stated on the decision letter.
If the insurer issues a final response and you are still unhappy, you can usually take the complaint to the Financial Ombudsman Service free of charge.

FAQ

How long can the insurer take?: Complaints handling timescales are set by the insurer's complaints procedure and by the rules that apply to insurers. Ask for a final response in writing so you know where you stand.
What if my appeal is refused?: Ask for a final response letter. Once you have it, you can normally refer the complaint to the Financial Ombudsman Service, which is free to use.

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