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-   -   Work accident insurance will not pay for back accident, but to previous back problem (https://www.englishforum.ch/insurance/198316-work-accident-insurance-will-not-pay-back-accident-but-previous-back-problem.html)

vada 16.01.2014 12:58

Work accident insurance will not pay for back accident, but to previous back problem
 
Hi guys,

Sorry to bother everyone, but my works accident insurance has decided they will not pay for a back injury (dr, MRI, chiro, physio, etc) in December.

They say this is due to a back surgery in the UK 17 years ago, when i had probelms that started over 20 years ago...........

I suspect I know the answer, but do I have any leg to stand on to argue?

Thanks, Vada

fatmanfilms 16.01.2014 13:00

Re: Work accident insurance will not pay for back accident, but to previous back prob
 
Quote:

Originally Posted by vada (Post 2064308)
Hi guys,

Sorry to bother everyone, but my works accident insurance has decided they will not pay for a back injury (dr, MRI, chiro, physio, etc) in December.

They say this is due to a back surgery in the UK 17 years ago, when i had probelms that started over 20 years ago...........

I suspect I know the answer, but do I have any leg to stand on to argue?

Thanks, Vada

It's going to be a health insurance matter, only difference is you have to pay the excess.

PaddyG 16.01.2014 13:01

Re: Work accident insurance will not pay for back accident, but to previous back prob
 
Quote:

Originally Posted by vada (Post 2064308)
Hi guys,

Sorry to bother everyone, but my works accident insurance has decided they will not pay for a back injury (dr, MRI, chiro, physio, etc) in December.

They say this is due to a back surgery in the UK 17 years ago, when i had probelms that started over 20 years ago...........

I suspect I know the answer, but do I have any leg to stand on to argue?

Thanks, Vada

Did you have a medical before you started? If so, was the previous operation listed as a pre-existing condition? If not, you might have an argument if you find a doctor to categorically state this accident was not related to your previous op.

vada 16.01.2014 13:01

Thanks, i have max excess, so sounds like I am jiggered

Quote:

Originally Posted by PaddyG (Post 2064315)
Did you have a medical before you started? If so, was the previous operation listed as a pre-existing condition? If not, you might have an argument if you find a doctor to categorically state this accident was not related to your previous op.

No - no medical before I started. The operation was in UK a long time ago, so unsure how to appraoch. Will ask insurance on this.

Sbrinz 16.01.2014 13:35

Re: Work accident insurance will not pay for back accident, but to previous back prob
 
If you are not successful, there is an Ombudsman for health insurance matters, https://secure.om-kv.ch/html/aufgabe.html

these insurance companies agree to work with him, https://secure.om-kv.ch/html/krankenversicherer.php


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