In June this yr I used to be travelling to Japan. On the way in which, I suffered a herniated disc and was hospitalised for 3 weeks. I contacted my journey insurer – Axa – which, reducing a really lengthy story quick, agreed to cowl therapy and repatriation. For some unclear cause, Axa was unable to organise fee of the hospital invoice previous to my discharge and requested me to cowl the invoice in full, considerably negating the purpose of journey insurance coverage within the course of.
After I defined that I didn’t have a number of 1000’s of kilos on me, I used to be pressurised to ask my uncle (presently resident in Japan) to pay the hospital as a substitute. I used to be assured he can be refunded in full, together with the related prices of sending the cash.
Regardless of this, I’m presently £600 out of pocket, resulting from variations in alternate charges from when the agency processed my declare and when the cash was despatched. Axa has now reneged on this, claiming that it’s a “consequential loss”. I’ve spent hours on the telephone attempting to get this cash. I now want I had simply allow them to discover a approach to pay the hospital direct. TM, by e-mail
Axa blamed the issue on the truth that you occurred to finish up in a hospital that had little expertise in coping with insurers. It has apologised for wrongly telling you that it could not pay this sum, and is sending you a cheque to cowl the lacking £600. It has added an additional £150 in compensation.
“We normally deal with the fee of medical payments for our clients however, on this event, the hospital insisted on quick fee and, by the point we reviewed the declare, the invoice had been paid,” it says.
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