Hollards pre existing conditions ****

To Whom this may Concern

I am writing this email , for the 3rd time to get through to Hollard about a funeral policy, which I feel was declined unfairly, Firstly I am not happy about the service I received from Hollard from day 1, there was no communication received from Hollard from the time I submitted the claim until to date, It is a month and still nobody called to tell me that the policy had been declined, I had to find out from the Hollard branch in Eldorado park that the claim was declined apparently they received communication the Friday of the 29th June 2018, and Assumed I knew about the outcome which I did not till I went to their branch on Tuesday 3rd July 2018 to find out what’s happening with my claim, I called the call centre to find out what’s the outcome if the claim was really declined because I was so shocked to hear that it was declined that I had to confirm again with the agent Charity was her name who said they were still working on it and that it’s not declined, only to find that Hollard did not update the status of the claim so she couldn’t see the outcome, I then drove all the way to Hollard Oxford road to finally hear that the claim was declined , hurt and disappointed I was to hear that because I had to borrow money which I didn’t have to cover the burial thinking Hollard would pay me, and I would pay back the money I borrowed.

I submitted my claim for the policy number: ********** 2 on the 25th June 2018, My uncle Passed away on the 20th June2018 , cause of death was respiratory Failure, he was diagnosed with Lung cancer early February 2018, and at the time I had my policy with Hollard for 7-8 month already, Firstly Hollard Advertises that there policy is 6 months waiting period, 12 months for pre-existing conditions, which they don’t tell you that when a policy is less than 12 months they need Medical report for 2 years back from the benefit Start date , My benefit start date is July 2017,so 2 years back from that date is July 2015, According to the medical report in April 2015 he had a stroke and chest pain, this took place before the 2 years medical report Hollard looks back on, the doctor just happened to write all the information that was written in the file, the doctor who assisted him only knew my uncle for 1 day, so tell me was I suppose the tell the doctor the write out a medical report for only 2years back from June 2018 to June 2016? I took out the policy for him 2years after the stroke and chest pain, which he did not need treatment for, so it was a mild stroke and chest pain, in my family all uncles suffers from heart problems its runs the family , nevertheless ,I feel that none of the previous pre-existing medical reports such as the stroke and chest pain is linked to lung cancer. I just feel Hollard can’t all of a sudden look at medical condition that existed any time before the policy was taken out, if its 2 years then its 2years, anything before the 2 years shouldn’t even be considered , your agents has confirmed that they look as far back a 2 years from the benefit start date. Mduduzi- 09-07-2018 Call reference: ********** 536 and ********** 886 who also promised to send me all the calls I made for that week. Nowhere on the policy booklet does it state the type of pre-existing illnesses that Hollard covers and the pre-existing illnesses they don’t cover.

So now my question is if I took out the policy in July 2017 and started paying first Premium on 20 July 2017 , if you count July, Aug, Sep ,Oct ,Nov, Dec , Jan , Feb, Mar ,Apr ,May , Jun, so if you count those months, that means Hollard Received 12 Months Premiums from me, or does one pay the policy Month in advance? Because even so if its month in advance that means I already paid for the premium for July 2018 on 20th June 2018 , Hollard says the policy is 11months old, but they received 12 months premiums , how can you rob us like that? Yes the policy existed for 11months but you guys received 12months premiums, please don’t fool us as customers ,

Another thing that doesn’t make sense to me is the benefits that comes with this Policy which the Educator Benefit , Vehicle for 3 days , and 30 thousand cover plus your premiums back, if this claim is declined that means you forfeit all the benefits, but I received the 3 day vehicle benefit REF: ********** 7ZA1 ( Avis Reservation)CHECK OUT :29 JUNE 2018CHECK IN:02 JULY 2018, I had a flat tyre with the vehicle that weekend which apparently damaged the tyre according to Avis, how can one pay for those damages? When I still need to pay burial expenses , the funeral cover is like a package with benefits , you cannot receive one benefit and not the other come on man it defeats the purpose of the whole idea,

I really feel Hollard should review this Claim, it’s been a month and nobody called me nothing, I got into the touch with ombudsman, but they won’t assist if I haven’t laid a formal complaint with Hollard, which I have been trying ever since, I don’t even get an acknowledgment of receipt that they have received my email nothing, I’m so fed up its not even funny, but let me tell you what’s not going to be funny , is when this email goes out to the press, warning all the customers about how sly Hollard is, I’ll tell them to rather take out policies with the banks and leave these brokers for they are huge disappointment to the human culture really . my claim Amount is for 30 thousand Rand , when I’m done with Hollard, they will wish they had rather paid me that money out , because what they about loose is way more than just 30thousand rand, Reputational damage is what I’m going to cause for my 30 thousand rand. Daily sun citizen, speak out you name them and I will be there, I would want to see Hollard close their doors for my 30 thousand rand really, So now to avoid all this hassle please can we sort out this claim as quickly as possible , I have waited long enough.