TT
Tanya T

1 reviews | Active since Oct 2023

15 Jan 2025, 09:50

Hollard Insurance

Early September 2024 my better half was diagnosed with liver failure. Since then he has deteriated and each day he does wake up is a miricle. I have had a life policy on him since early 2022. It includes terminal illness. The private dr that diagnosed him and did the tests completed everything that was required completed documents and scans were emailed. The other private dr that only drains ascitis for comfort has sent a letter. He isnt able to report about diagnosis as he only assists with comfort at this point. Private drs as the treatment at provinsial hospital wasnt treatment at all. No tests were done. Lucky enough to have gotten a letter saying that he cannot work anymore. Have a letter saying he is terminal from a private dr with scan proof. Every day claims is insisting on a report from the said state hospital which in actual fact did nothing and waisted 6 days of admission which in turn made is use our own funds to see private gp's for help. I was told that Hollard is the better insurance and that there wont be issues. All documents that are required was emailed. I have begged, pleaded, emailed daily atleast a few times. Explained everything and yet Hollard is still insisting on the impossible report from a hospital that did nothing but release him from employment permanantly. Was lucky enought to get that in writing. Told us he wont survive a year. With state hospitals every shift there is a new dr. The 2 letters we do have is on his file also and they used the private drs scans and tests as they did nothing. So please tell me why do people take out insurance and when claims are submitted only reasons of why it cannot be finalised is given? did i pay the premium just because? I even asked if a partial payment can be made just to assist us until the claim is finalised. Was also refused. In total we have 10 diffrent medical letters. i have photos of a man that was 120kg and looks like a skeleton now. Only the broker and hollard lady have been trying to get the claims department to finalise and have been really nice and fast with responses. I know if they could have finalised the claim themselfes they would have already.

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Replies (22)
TT
Tanya T's update15 Jan 2025, 09:54
Reviewer Update
Is the terminal claim only going to be paid out when he dies?

He is slowly deteriating and can pass away any day.
Hollard Life
Hollard Life's reply15 Jan 2025, 12:33
Official
Hello Tanya
We are sorry that you had a poor experience with Hollard, which led to you reaching out to Hellopeter with a complaint.
Our claims team is busy looking into your complaint and will be providing you with feedback within five working days.

Kind Regards,
Social Resolutions Team
TT
Tanya T's update15 Jan 2025, 14:38
Reviewer Update
Thanks for the response. I understand procedures. But the more i keep responding on the emails is there was only the private Dr that already 100% confirmed it is terminal and no treatment on 1st document he completed, second PMA was done by him within a couple of days. The state hospital used copies of the tests the private dr did as they didn't do any test. They did no treatment those 6 days also therefore it may also be a reason why no response is received from them as all the documents in the file there are the one from the private Dr that did the tests. The second private Dr is only draining the ascites as he swells up like a balloon from the water retention and water medication doesn't work at all anymore due to the liver and kidney failure. There is no actual treatment. His life cannot be saved. All we can do is make the time he has left comftarble and due to the state hospital that didnt provide it in the first place we have to use private drs. We are living on my income alone now. I have even emailed photos of how he looked and that he is a skeleton now. Every day he wakes up is a miricle. Hes major organs like heart, liver etc can fail at any time This is what i dont understand, all the proof was sent. The diagnosing dr did his part, i emailed what i did recieve from the state hospital also confirming the diagnosis. Its almost a month now since the claim was first submitted. I even asked if a partial can be done for now to lesten our burden. This has been a nightmare and every day it worsens. He needs to go to the dr for ascitis drainage, medicines to help relief some of his symptoms weekly. This is a urgent claim. Did i make a mistake for taking out the Hollard policy?
Hollard Life
Hollard Life's reply15 Jan 2025, 17:10
Official
Hello Tanya

We are sorry for the delay in resolving your matter and assure you that we are looking into your claim.

Kind Regards,
Social Resolutions Team
TT
Tanya T's update16 Jan 2025, 08:45
Reviewer Update
Good Morning. Questions and the same requests again on email even after i explained.

He was admitted into a state hospital for 6 days in September 2024 where nothing was done basicly. He was discharged with a letter saying he cannot work anymore. Only by the 14th of October he was officialy off work. The proof that he is sick from a liver sonar and blood tests the state hospital worked was done by the private dr. There was nothing done at the state hospital. Thats why he never went back for check ups because of the poor service. We found another private dr that was willing to drain his ascitis weekly, which also didnt do any tests and cant give a report of his diagnosis. He only helps with the water drainage and scripts for medication. paying everything ourselfs because theres no other way. What i am saying is that the 1 private Dr that completed both the Hollard forms, emailed through the tests he had done is the only person that can and has given proof of the organ liver failure etc. He was also the dr that said it is terminal. There is no treatment. about 10 medical documents and test results have been sent in. The state hospital only helped with saying he can no longer work anymore. I was there a week ago trying to get them to complete a report and i was told they cannot as they didnt do the tests in September and that the dr that did do the tests is the only one that can. Which is the private dr and he sent all his findings in. The reason we are frustrated is that the money from the policy will be used for private health care. We have run out of funds and resources because i am the only one earning a salary now. Everyday when he does wake up it is a miricle. To try and relief his pain and make whatever time he does have left comftarble is the most important thing now. Thats why i even asked for a partail payment untill claim is finalised will help with the drs and medications etc. If he had passed away a funeral benifit would pay out straight away why cant a partial payment be done so long if the claim is going to take long?
Hollard Life
Hollard Life's reply16 Jan 2025, 11:06
Official
Hello Tanya

We are investigating your claim, and we really regret any inconvenience the delay in processing it has caused you.
Kind Regards,
Social Resolutions Team
TT
Tanya T's update16 Jan 2025, 11:07
Reviewer Update
Good Morning

Thank you for your response. Now all we will wait for is a miricle in the nightmare we are living.


Hollard Life
Hollard Life's reply16 Jan 2025, 11:17
Official
Hello Tanya T

We are looking into your claim, and we sincerely apologize for any trouble the processing delay may have given you.

Kind Regards,
Social Resolutions Team
TT
Tanya T's update17 Jan 2025, 15:44
Reviewer Update
Good day

I am updating this time. Went to the state hospital again so this is now twice and its a struggle. Will try again on Monday then it will be my 3rd attempt. Every day there is another Dr and admin staff.


Hollard Life
Hollard Life's reply17 Jan 2025, 16:01
Official
Hello Tanya T

We are investigating your claim and really regret any inconvenience the processing delay may have caused you.

Kind Regards,
Social Resolutions Team
TT
Tanya T's update20 Jan 2025, 11:05
Reviewer Update
Morning
I sat at Bongani from 6 this morning. Dr signed the PMA Hollard requires and no tests were done by them,

this was the last part needed. Hope our claim can be finales' and paid so that we can just breath and get him to live longer.
Hollard Life
Hollard Life's reply20 Jan 2025, 12:12
Official
Hello Tanya T

Please note that our claims team is busy looking into your claim.

Kind Regards,
Social Resolutions Team
TT
Tanya T's update20 Jan 2025, 14:34
Reviewer Update
Quick one. The claim process started early December already. Now that the claims department have everything they requested give or take how long will it take for the claim to be settled and finalized? Given its already over a month now.
Hollard Life
Hollard Life's reply21 Jan 2025, 10:45
Official
Hello Tanya T

We deeply regret that it has taken so long to respond to your question. We value your patience and recognize the importance of your issues.
We would like to inform you that our claim team is currently investigating your claim.

Kind Regards,
Social Resolutions Team
TT
Tanya T's update23 Jan 2025, 15:01
Reviewer Update
Good day

The last PMA that was short i went and got myself at the state hospital. Paid R777 out of my own pocket. Its 4 days later and no update at all as to where the claim is standing at. Starting to look like my claim isnt urgent enough. he was diagnosed with liver cirrosis September 2024. Hes body is failing daily. When will that sink in? with the claim money i want to get a medical bed for him and make sure hes as comftarble as possible. Is there anywhere else i can lay a complaint?
Hollard Life
Hollard Life's reply24 Jan 2025, 09:16
Official
Hello Tanya

We are investigating your claim and really regret any inconvenience the processing delay may have caused you.

Kind Regards,
Social Resolutions Team
Hollard Life
Hollard Life's reply27 Jan 2025, 11:12
Official
Hello Tanya

We are sorry for the delay in responding to your matter and assure you that we are looking into your claim.

Kind Regards,
Social Resolutions Team
TT
Tanya T's update27 Jan 2025, 11:41
Reviewer Update
Good Morning

Claims department is looking for test results from the state hospital.

1. Private Dr did blood tests and requested that he go for a liver scan. At the private hospital its expensive.
2. We went straight to the state hospital to try and see if they can assist.
3. They were only able to do the test 2 months later as they are fully booked.
4. I borrowed money from my mother then the test was done at private hospital.
5. No liver scan was done at the state facility because of the reason they can only do it in over 2 months.
6. Basically what i have been saying since the start of the claim the only tests were done at the private hospital via private Dr.
7. I drove to the state facility, paid out of my own pocket for them to complete a PMA and it states there's no tests done there.

But still claims want reports that did not happen at the state facility which is now the reason why the claim has not been finalised and paid out. I explained it to my broker and they spoke to a manager at claims. I am still waiting for any news.

Every single document, test result PMA that was requested was emailed to claims. But yet they are not finalising the claim? This is a terminal claim. Liver failure. Isnt this suppose to be a priority? We are living a nightmare. no sleep, worries. Its hard enough that everyday he wakes up is a blessing and now we are suffering financialy because he is mediclay off work and my salary cannot afford the private dr as the state facilitys service is poor. We have to make use of a private dr. Please this really is a matter of urgency.
Hollard Life
Hollard Life's reply28 Jan 2025, 10:22
Official
Hello Tanya

We are investigating your claim and really regret any inconvenience the processing delay may have caused you.

Kind Regards,
Social Resolutions Team
TT
Tanya T's update04 Feb 2025, 15:55
Reviewer Update
Hi

Since the claim started its now almost 2 and half months ago. Hollard requested more documents which i emailed over the weekend. When they received my monthly payment i got a email SUPER FAST that it is short of R1.04. Yes a email to say i paid R1.04 too little. So i made a payment of R10.00 right away. So basically when it comes them wanting the monthly premiums everyone is on it, responses are super fast and as long as the premium is paid Hollard is happy. But when you have a complaint, claim or the person who is covered for terminal that is busy getting sicker and sicker it isnt a priority. I am sure everyone who earns commission or a salary did get paid at Hollard. But the insured persons dont get what they are supposed to. Why get life and terminal insurance anyways?????????
Hollard Life
Hollard Life's reply04 Feb 2025, 17:58
Official
Hello Tanya

We are sorry for the delay in responding to your matter and assure you that we are looking into your claim.

Kind Regards,
Social Resolutions Team
Hollard Life
Hollard Life's reply12 Mar 2025, 15:22
Official
Hello Tanya
We are sorry that you had a poor experience with Hollard, which led to you reaching out to Hellopeter with a complaint.

Our records indicate that you have logged a complaint with the Long-term ombudsman office regarding this matter with ref: (Ombudsman reference number).

The ombudsman complaint management process prohibits us from engaging directly with you without the involvement of the ombudsman's office (unless we are instructed otherwise by the regulator).

We can assure you that we are engaging with the ombudsman regarding this matter in our endeavours to resolve the matter.

Any communication between Hollard and you must be sent through the Ombudsman's office.

Kind Regards;
Social Resolutions Team