Death Claim

<p>I app**** for a life cover for my Uncle who recently passed away on the 04/06/2016<br />(I opended the HIV Life cover for him) <br />I phoned All life on the 6th June for the required documents and the policy number was provided to all life, I received an email for the required documents to be submitted for the claim on the same day at 16:33, included on the required docs was the Copy of a Hospital File prior to the inception date (25/02/2015), and the PMA form to be completed by the doctor that certified the death</p> <p>I phoned All life on the 6th June for the required documents and the policy number was provided to all life, I received an email for the required documents to be submitted for the claim on the same day at 16:33, included on the required docs was the Copy of a Hospital File prior to the inception date (25/02/2015), and the PMA form to be completed by the doctor that certified the death</p> <p>I received a phone call from Alllife on the 28th June 2016 @ 10:38 advising that the Death claim has been declined, I asked the reasons for the decline, they have advised me that the policy was changed to Accidental cover, and also the blood results they received in May 2015 were unsatisfactory, I asked them who decided to open an accidental cover for my uncle? And why they only communicationg the blood results now, They told me that my Uncle opened the Accidental cover, (which is a ****) The only policy he knew about was the Life cover from Alllife that covers him since he was HIV and I opened that life cover for him, The policy was opened in Feb 2015, and I received the whole life cover documents for the hiv policy which was posted to my postal address that i gave to Alllife, I asked them why they only telling me now that the policy is Accidental policy but on the documents it states that its a Whole life cover for HIV not accidental, My uncle died of Natural Causes and now Alllife is changing the policy to accidental only when I submitted the claim, No communication was sent to me and they have told me that they sent a letter to my residential address which I never gave them as my postal address, I never used my residential address as postal because I was selling my house at that time and we moved out of that property in April 2015, they ‘ve confirmed that they sent the letter in May 2015 , I was not even staying on the property by that time and never gave them my residential address as postal address, that is why I gave them my work postal address and my email address for communication because I was selling the house in Jan/Feb 2015 and they could have used my cell number as well to communicate if there’s any changes on the policy, When I asked them why they never sent any communication to me about the policy if they are making changes, they couldn’t answer that question, I asked them why they only telling me now about the blood results that they were unhappy,? I asked them why they kept on deducting the premiums for the policy that I never opened , I couldidnt get the answers, The premiums that were going through on my account ever month was for the Whole life policy that I’ve opened with Alllife not the Accidental, I know nothing about the accidental policy and I was not informed about it even the blood results that were not satisfactory they only told me after two weeks the claim has been submitted to Alllife, If this is an accidental cover why will they ask for the Hospital file from 25/02/2015? Why they didn’t inform me when they made changes on the policy and yet they still deduct the same amount that I have agreed to pay monthly for the hiv policy that I’ve opened for my Uncle. They could answer the questions I asked them and all life told me that they have advised the deceased of the changes on the policy, The deceased was sick and he is not here to answer the questions that I have for Alllife and he was sick when I opened the policy for him, They told me that they will be sending a decline letter, since that day of the 28th I still haven’t received anything from Alllife including the decline letter they were sending on the 28th, They decided to keep quiet. , The hospital file that I submitted had all the information they needed for HIV patients, both hospital gave me the copy of the file and they knew that it was for the Insurance purpose, and the whole family knew the status of my Uncle as we gave him full support as the family including his children. </p> <p> </p>