I have had a very bad experience with Sanitas who are refusing to cover my illness. I would advise anyone thinking of joining Sanitas or their sister company BUPA, to check up on a few facts prior to joining one of their health plans. If you are already a member of one of the health plans, it could well be worthwhile checking up on a few facts. The details of my experience with Sanitas can be viewed on www.costadelsolcommunity.com Here the facts are recorded and are overviewed by my solicitor who would not let me state anything untrue. I would also like to hear from anyone else who has suffered similar treatment from either SANITAS OR BUPA.
My name is Domininc Scott (UK) and I am employed within Sanitas to manage X-pats and their policies.
I try as best as I can to meet the expectations of Xpats with regards to the level of service you receive. I would be happy to hear from those with any concerns, issues or require information regarding a policy and the levels of cover you are entitled to.
My name is Susan Warner and I have been an Agent for Sanitas for over 3 years. In all of that time only one of my 800+ clients has had a claim turned down, one day into having the cover.
I am very sorry to here of your problems at such a stressful time of your life.
It maybe that you were not explained the cover you were buying properly, although the terms and conditions are quite clear.
Although there is no waiting period on the policy any claims are looked at very closely in the first year of Insurance. Any illness that could be proved to have been pre-existing would be excluded. Unfortunately to find a problem such as yours one month into the policy, would of course raise concern.
Most Health Insurance policies have a waiting period of at least 3 months before you can use them, so you would have found yourself in this situation with whichever company you had chosen.
I hope you recover soon.
I realise your loyalty to the company that employs you and would say that if you have only had 1 client in 800 turned down then you are extremely lucky. I understood the terms and conditions of the policy and it is Sanitas who has violated these - not me! The reasons given for refusing treatment are fully explained on www.costadelsolcommunity.com and when these are read anyone can see that the reason for refusing to cover costs is absolutely unbelievable. As also previously stated all original paperwork is freely available for those who want to view it. My opinion of Sanitas is rock bottom and I plead with anyone thinking of taking out a Health Plan with either Bupa or Sanitas, to reconsider unless of course they like to gamble with their lives!
