DISCRETIONARY

★★☆☆☆
2.5
34.0% of users recommend this
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  • Value For Money

chessmachine's review of Benenden Healthcare Health Insurance

“DISCRETIONARY”

★☆☆☆☆

written by chessmachine on 21/03/2017

DISCRETIONARY is the key word. My family were let down by the NHS twice ; once when I was exposed to Whooping cough and they would not give me the vaccine and secondly with my wife whom has a brain tumour and the NHS are incompetent in commissioning an MRI scan to their own guidelines. Both times Benenden stated they could not help as they offered a DISCRETIONARY service and also they are ALLOWED up to 8 weeks to escalate an appeal.

To my mind I have been a fool paying three memberships for over 6 months I should have known better.

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Benendenuk's Response to chessmachine's Review

Written on: 22/03/2017

Whilst we are unable to discuss the particulars of a case in a public forum such as this, we are sorry this member is unhappy with Benenden being unable to support them on these occasions.

The Benenden Healthcare Society Limited is not a private medical insurer and the service offered to members is not an insured product. Our contribution rate is comparatively low in order to offer an affordable alternative to private medical insurance.

Our services are not guaranteed and we use our discretion to decide what services to offer our members. Being a member of the Society gives members eligibility to request our assistance, but does not guarantee that support will be authorised. Because our services are funded entirely by membership contributions so we must apply limits to the support we offer.

Benenden is regulated by the Financial Conduct Authority (FCA). The FCA sets out certain obligations on how complaints are handled, which includes a requirement for complainants to receive a final written response to their complaint within 8 weeks. The Society’s internal Complaints Procedure outlines that we aim to respond within 20 working days and in the majority of cases, we are able to do so.

Best wishes, the Benenden team.

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Howie13's Response to chessmachine's Review

Written on: 04/07/2017

I always thought you had to be immunised before exposure to diseases, not after exposure, except where you are given antibodies like with Rabies, but I don't think that's the case with Whooping Cough. I'm no expert though.

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