1. Loss ratio of 900% - what does this mean exactly. I have received coverage within the limits of my insurance without excess and substantially paid anything in excess of the limits of my insurance myself (partially in line with extensive quarrels over the unscreened hospital claims that your team without question approved whilst I was within insurance limits I might add)
2. Instigating “potentially very significant medical conditions” as well as the medical terms describing my “condition” are both inaccurate and I would not know where this conclusion comes from apart from being purely hypothetical. I had an accident and broke my jaw – this lead to follow up checks which are the norm, none of which indicating any serious illnesses and cannot be included in any “further implications” as written.
3. Your statement of 25% premium and limits to the upgrade – can you clarify this. It is not written in a manner in which one would understand.
àI understand that we are asked to be paying a premium for existing package, then upgrade to a new package whilst anything related to #2 is not covered under the new but remains under the old package. This does not make sense.