I have had “Bill Cover” insurance with Real Insurance for about 6 years.
In February 2020 I became unwell and was unable to work for a prolonged period, and in fact, I have been forced to retire with a chronic health condition.
After the appropriate waiting period, I lodged a claim with the company which was rejected by their assessor. The terms of the policy state that they will settle a claim if you are under 65 years old if you are working part time or full time, however, if you are over 65 years old, you must be unable to perform 2 of 5 activities of daily living stipulated by the company, these being - mobility, showering, toileting, feeding and dressing. The basis for the rejection was that despite a medical report, and the fact that I was unable to work, I was over 65 years old and could perform all of these activities, hence the assessor judged that I was ineligible for payment under the policy’s conditions.
Please be aware that it appears that once you are over 65 years old, this policy discriminates against you, and almost encourages you to be dishonest about your abilities.
The last comment on the rejection email stated that “if you have further questions or if we can be of assistance during this difficult time, please don’t hesitate to call us…” To be honest, I found this laughable as my need has been financial which is something that the company was not prepared to assist with, despite paying premiums for six years!