Abbey Life Healthmaster
Abbey Life Healthmaster
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User Reviews
After Paying Into This Policy For Nearly 20 Years,
After paying into this policy for nearly 20 years, I injured my back and had to sell my business. Abbey Life first tried to get out of paying up, by saying that I was now unemployed, and therefore not covered, even though I was only unemployed because of my back injury!
I took a summons out against them in the Small Claims Court (so as not to run up a large legal fee), but their Solicitors, dragged me into the Fast Track Court, and said that they would rely on the "If he or she is prevented from carrying out any part of the duties pertaining to his or her normal gainful occupation" clause. Faced with huge Legal Costs if I lost, I had no choice other than to drop the case.
In other words this Healthmaster policy is not worth the paper it is written on, as if I could have been wheel-chaired into work and could have done "any part of the duties pertaining to my normal gainful occupation" (such as answer the phone,) they claim that they would not be liable to pay out.
I wonder how many other people have been "ripped off" like this?
I put a claim in in 2014. I had owned a business but became ill to the point I had to sell it. They originally bounced my claim but I went to the ombudsman. I have a chronic illness which prevents me doing the role of MD, I cannot function at high level, almost to any level,. The ombudsman ruled in my favour, gave them an instant penalty which they had to pay to me, and they had to uphold the income protection which I am still receiving.
The clause you quoted above can be taken two ways, the ombudsman took it that if you are prevented from doing any duties pertinent to your profession, there is a valid claim.
After reading this I will steer well away from Abbey Life Healthmaster. You pay in good faith and when it comes to claiming they wriggle out of it any way they can - makes you the victim twice over !! No wonder their industry has such a bad reputation.
I will steer well away from Abbey Life Healthmaster after reading this review - its behaviour like this that brings the industry into disrepute.
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