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

6What Vicky says

For Vicky, watching her husband go through a cardiac arrest was obviously traumatic. She told the media that she thought they would have no difficulty in paying off their medical bills, as the medical policy would act as a backup. But almost three months after they filed the claim, the couple was told that Steven’s attack does not meet the medical criteria of the insurance policy.

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7What the policy says

The company’s insurance terms state that a heart attack is the death of a portion of the heart muscle which happens because of insufficient blood circulation, and is categorized by severe chest pain. The insurance company’s reports state that Steven suffered an arrest due to a disturbance which caused it to stop beating at all for a few minutes. Thus, this was not a heart attack. The company had also updated their policy in 2013 to include cardiac arrest, but the Huddlestone’s made their policy before that.

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8What is a cardiac arrest?

A cardiac arrest is someone’s heart suddenly stops pumping blood and as a result the person can’t breathe. Now, it is important to understand that many cardiac arrests happen because of a heart attack, but not all. It mainly happens when a person develops a risky heart rhythm which is not sound and thus it causes a disruption.

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9You should know

Do you know a heart attack and a cardiac arrest are both categorized as a medical emergency, and most medical pamphlets and instructional brochures instruct people to call emergency services in case they experience discomfort which can be defined as a cardiac arrest.

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10What the company said

The insurance company said that it could not pay Steven’s insurance money in full as Steven’s doctors had confirmed that he would eventually make a full recovery. Steven has been referred to another doctor and the company has said that they want to review the case again.

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