Originally Posted by
wizard
I have been a Jims franchisee for over 11 years, and have paid income protection insurance for that period, through the Jims broker. I have recently had a preliminary claim for time off due to double knee replacement surgery rejected . I say preliminary as I wanted confirmation of what I excess etc. for planning purposes before I committed to the surgery. My bewilderment at the rejection, maybe naivety on my part was due to this being a pre existing condition so not covered. I have, as a result, asked for some specific cover confirmation on particular illnesses before I commit and continue the policy, which is renewed every 12 months. Getting them to commit is almost impossible, so betwixt and between as to what to do. Be interested in any comments.