Father of 3 Children Refused £65,000 by Health Insurer Despite Paying £22 a Month For 16 Years

You must have insurance, which must act as a form of hope for you and your family. For in times of crisis, we turn to our insurance to help us out financially. So what happens when you find out that in spite of having suffered a medical emergency, you are not eligible for an insurance payout? Though you paid for it regularly. Read about this man's story which is heartbreaking.

Much like any other working class couples, Vicky and Steven Huddleston took out a medical insurance to serve them whenever they would have a medical emergency or need. The couple who have three children, Amelia, Jude, and Lena, all under the age of 18, did what any family does and sorted out their insurance policies. And yet they were betrayed at the time they needed it the most.

1What happened?

40-year-old Steven almost died earlier this year when his heart stopped for around 20 minutes. This was not a moment the family would forget in a while, and though he has recovered now. He would receive a shock when he would go to claim his insurance money only to be denied.

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2He had paid the insurance

Despite paying £22 a month for 16 whole years the insurance company refused to cover for Steven’s attack. Do you know that the insurance company is the biggest company in the UK? They said that because what Steven suffered was a cardiac arrest and not a heart attack, they would not cover his medical costs. This cost him a £66,500 payout.

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3As a result…

This decision to not cover Huddleston’s costs almost left the couple broke, and they had a difficult time with their finances. Considering they have three children, it’s a total possibility. The couple was obviously counting on the insurance money, as any middle class family depends on the insurance backup in case of a medical crisis.

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4What does Steven do?

Steven is self-employed. Though he is a floor lawyer but he has not been able to work at all since his attack. His wife Vicky is a midwife. But sadly she has been able to cut back on her shifts as she had to take care of Steve and their children. Which means that their total income took a huge hit. It is obvious that they can’t afford help and the insurance denial affected their lives in a big way.

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5When it happened…

Vicky who is in her early ‘40s woke up one night when she heard Steven struggling and panting. It was obvious that he was gasping for breath. He then collapsed on the floor. Luckily, Vicky is in the medical profession and was able to start CPR. Eventually the paramedics arrived and they took Steven to a hospital.

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