Think twice before taking a policy with Old Mutual

13 April 2018 This email below was sent to Old mutual on 14 March 2018 and to date there has been no feed back. Matter has been referred to ombudsman to proceed with necessary. • Renata Reddy ********** To:Customer Service Centre ‎Mar‎ ‎14 at ‎8‎:‎35‎ ‎PM 14 March 2018 To whom it may concern Please read my responses In order to assess the claim futher we require the following. Dr Chunilal has booked you off until 31.03.2018 and confirms that you will be fit to work in the open labour market by 01.04.2018. We are therefore continuing with payment of the income occupational disability benefit until 31.03.2018. Should this period be extended beyond 31.03.2018, we will require the following to be submitted for review: Dr Chunilal has booked the claimant off till 31 March 2018 and will review her on 03 April 2018. The medical certificate states that the claimant could be ready for work on 01 April 2018. There is nothing said about work in the open market. According to the claimants policy the terms and conditions for her disability income (Page 14 point 2a) states: “Occupationally disabled” means “totally or partly unable either to permanently or temporarily due to an illness or injury to perform main duties of her own occupation”. What are you referring to when you say “open market”. Would not the income protect be a “****” if you speak about the open market when the claimants policy document clearly states otherwise? The claimant has spent 5 days at a psychiatric hospital (medical certificate attached) where she consulted with a second Psychiatrist as Dr Chunilall does not consult at that hospital. She was diagnosed with Bi Polar and is now on chronic medication for that condition 1. An up to date report from Dr Chunilal detailing the following: - Current symptoms and treatment - Response to treatment thus far - Is individual responding favourably to current medication(s)? Is a change of medication warranted at this time? - Comment on response to psychotherapy - Ability to work - Further management plans This can be provided after the consult 2. To consider the claim under the Severe Illness Benefit - under the activities of daily living event, we will require the following: An up to date report from Dr Chunilal which confirms the following: - Confirmation of the current treatment, response to treatment and further management plans - Confirmation of whether maximal medical improvement has been achieved - Dr to complete the activities of daily living scale on the Severe Illness Benefit claim form and confirm the following: - Whether the claimants ability to perform the specific activities of daily living will improve with treatment - Provide medical substantiation for inability to perform any of the listed activities of daily living (ie why she will not be able to perform the ADLs with reference to her medical condition Old Mutual has been provided with more than sufficient evidence for this claim. The claimant has met the requirements that are stated in her policy document. No where in her policy document does it say that the Severe illness has to be permanent Infact your Greenlight document according to 8.1 of understanding severe illness clearly states that: “severe illness is a cover designed to make a clients recovery process easier without having to worry about the financial burden a severe illness or injury can bring. Recovering from a severe illness is expensive. The tax free lump sum payout can help pay for rehabilitation costs, settling debt and other lifestyle adjustments needed, to give them the best chance of recovery”. Why do you say all of the above if it is not true? The matter has been referred to the Ombudsman and I will send an update to them as I am aware that they have given you a period in which to reply Do the assessors have any human compassion. Here is a family who are going through hell and you cannot honour your side of the policy when she has paid her premiums faithfully. The general public needs to be made aware of this so people can stop taking policies that do not benefit them when they need it the most 3. Extensive disability In terms of this claim it can be re-looked at as the claimant has been diagnosed with Bi Polar put onto chronic meds which makes it a permanent disability I await your early reply Miss Shah (POA)

Why is it so easy for the debit order to go off but so hard for old Mutual to pay what is due to the client The client is severely ill and the reason for taking such policies is to cover in times of illness. So what is the hold up? Rather not sell polices that you do not intend to honour in terms of payments

Should the client be worrying about money at a time when she is ill after taking a policy with Old Mutual that should cover her in times of her illness

How convenient

Members of the public need to know what is happening so they do not take out and pay for polices that do not pay out when you need it the most

Application for severe illness was made in November 2017. Old Mutual rep**** asking for new set of application to be filled out by the Doctor. Why? when the initial application has been filled out by the Doctor. Clients have to bear the cost for this on their own. Should one concentrate on healing or paying bills. No where in her policy document does it say that the Severe illness has to be permanent Old Mutual then said that the condition has to be permanent, yet this is what your own manual says: Infact your Greenlight document according to 8.1 of understanding severe illness clearly states that: “severe illness is a cover designed to make a clients recovery process easier without having to worry about the financial burden a severe illness or injury can bring. Recovering from a severe illness is expensive. The tax free lump sum payout can help pay for rehabilitation costs, settling debt and other lifestyle adjustments needed, to give them the best chance of recovery”. So why as the client not been paid out as yet. What is the delay? Emails are never returned. Make a call to Old Mutual. Consultants have no idea what you are talking about. You wonder if you are talking to someone on another planet because there is only "1 Old Mutual" in the world