MS
Mx S
1 reviews | Active since Mar 2018
04 Feb 2020, 04:59
************** against people with Bipolar
So if have been diagnosed bipolar they just wont give you life cover at all. I would thought tney might exxlude some things which I can understand but they just refuse. Ia that not discrimanating???
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Replies (3)0
Replies (3)
Momentum (SA)'s replyOfficial
04 Feb 2020, 08:39Thank you for taking the time to inform us of your concerns.
Regrettably you did not provide us with enough information in order to investigate the matter. I will send you an e-mail and will appreciate it if you could respond to my e-mail and provide the required information and background to the complaint.
Kind regards
CK
Regrettably you did not provide us with enough information in order to investigate the matter. I will send you an e-mail and will appreciate it if you could respond to my e-mail and provide the required information and background to the complaint.
Kind regards
CK
Momentum (SA)'s reply04 Feb 2020, 08:39
Official
Thank you for taking the time to inform us of your concerns.
Regrettably you did not provide us with enough information in order to investigate the matter. I will send you an e-mail and will appreciate it if you could respond to my e-mail and provide the required information and background to the complaint.
Kind regards
CK
Regrettably you did not provide us with enough information in order to investigate the matter. I will send you an e-mail and will appreciate it if you could respond to my e-mail and provide the required information and background to the complaint.
Kind regards
CK
Momentum (SA)'s replyOfficial
11 Feb 2020, 14:39On receipt of your personal details I was able to investigate the specific application for risk cover and your concerns.
Momentum utilised the information pertaining to your medical condition during our comprehensive underwriting process. Regrettably we were unable to accept your application for risk cover at the time.
Taking a decision to not accept an application for risk cover is a legitimate exercise of Momentum’s commercial discretion. The contract of insurance is, like any contract, based on consensus. If the parties cannot agree there can be no contract and Momentum cannot be forced to provide risk cover if it is not prepared to do so, or on terms which it is not prepared to offer, after having assessed the risk.
I am truly sorry that you feel as if Momentum discriminated against your medical condition and wish to assure you that a comprehensive underwriting process is followed with each individual application. To the contrary, we requested that you reapply after a 12 month postponement period, after which we would reassess your application.
Kind regards
CK
Momentum utilised the information pertaining to your medical condition during our comprehensive underwriting process. Regrettably we were unable to accept your application for risk cover at the time.
Taking a decision to not accept an application for risk cover is a legitimate exercise of Momentum’s commercial discretion. The contract of insurance is, like any contract, based on consensus. If the parties cannot agree there can be no contract and Momentum cannot be forced to provide risk cover if it is not prepared to do so, or on terms which it is not prepared to offer, after having assessed the risk.
I am truly sorry that you feel as if Momentum discriminated against your medical condition and wish to assure you that a comprehensive underwriting process is followed with each individual application. To the contrary, we requested that you reapply after a 12 month postponement period, after which we would reassess your application.
Kind regards
CK
Momentum (SA)'s reply11 Feb 2020, 14:39
Official
On receipt of your personal details I was able to investigate the specific application for risk cover and your concerns.
Momentum utilised the information pertaining to your medical condition during our comprehensive underwriting process. Regrettably we were unable to accept your application for risk cover at the time.
Taking a decision to not accept an application for risk cover is a legitimate exercise of Momentum’s commercial discretion. The contract of insurance is, like any contract, based on consensus. If the parties cannot agree there can be no contract and Momentum cannot be forced to provide risk cover if it is not prepared to do so, or on terms which it is not prepared to offer, after having assessed the risk.
I am truly sorry that you feel as if Momentum discriminated against your medical condition and wish to assure you that a comprehensive underwriting process is followed with each individual application. To the contrary, we requested that you reapply after a 12 month postponement period, after which we would reassess your application.
Kind regards
CK
Momentum utilised the information pertaining to your medical condition during our comprehensive underwriting process. Regrettably we were unable to accept your application for risk cover at the time.
Taking a decision to not accept an application for risk cover is a legitimate exercise of Momentum’s commercial discretion. The contract of insurance is, like any contract, based on consensus. If the parties cannot agree there can be no contract and Momentum cannot be forced to provide risk cover if it is not prepared to do so, or on terms which it is not prepared to offer, after having assessed the risk.
I am truly sorry that you feel as if Momentum discriminated against your medical condition and wish to assure you that a comprehensive underwriting process is followed with each individual application. To the contrary, we requested that you reapply after a 12 month postponement period, after which we would reassess your application.
Kind regards
CK
MS
Mx S's updateReviewer Update
12 Feb 2020, 13:08So after our telephone conversation the bottom line is I'm BIPOLAR even though I was diagnosed 10 years ago. Now you say I can apply again in 12 months. WHAT WILL BE DIFFERENT IN A FEW MONTHS?
MS
Mx S's update12 Feb 2020, 13:08
Reviewer Update
So after our telephone conversation the bottom line is I'm BIPOLAR even though I was diagnosed 10 years ago. Now you say I can apply again in 12 months. WHAT WILL BE DIFFERENT IN A FEW MONTHS?