AXA Denied Insurance Coverage for Physiotherapy

profile
Serkan
March 19, 2024 10:08 pm
50

I've been through 20 sessions of physiotherapy at Medistate Hospital in Kavacık. After completing all my sessions, the hospital called to inform me that my insurance wouldn't cover the physiotherapy costs and that I had to foot the entire bill. However, prior to starting the sessions, they assured me that my insurance had approved the physiotherapy expenses. Over the course of a week, I repeatedly contacted Axa Insurance, shuttling between the hospital and the insurer. They consistently confirmed approval for all 20 sessions, directing me back to the hospital. Today, after yet another call to Axa, I finally discovered the root of the problem. It turns out, I was supposed to have one examination allowance for physiotherapy, and since I had used mine at another hospital before the 20 sessions, they refused to cover the costs.

How was I supposed to know that I was entitled to only one examination for physiotherapy? Why wasn't I informed of this beforehand? Why approve initially and then retract coverage later?

Why was I strung along for a week without being explicitly told the reason for denial?

How do you equate the cost of 20 sessions with just one examination fee?

I still need 10 more sessions of physiotherapy. Because you didn't pay for the initial 20 sessions, I can't access the remaining 10, leaving my treatment incomplete. Who will compensate for the financial and emotional toll this has taken on me?

I've been severely wronged. I can't continue my treatment because of your mistake. I can't find anyone at your company to address my concerns properly. Your employees can't read the information in your system and provide accurate information to customers, leaving me in distress for a week, persistently blaming the hospital, and even me, and equating the cost of 20 physiotherapy sessions with one examination fee. I can't find a decent point of contact at your company. I've been working with your company for years. Until now, I've recommended it to everyone and been completely satisfied with your flawless system. However, this incident has made me completely disillusioned with your company, and I will never recommend it again. Shame on a company like yours. I request an urgent resolution to my problem, payment for my 20 sessions, approval for the remaining 10 sessions at the hospital, and proper communication with customers to prevent further grievances. Please be aware that I will file complaints with various authorities, and if the payment is not made promptly, I will escalate the matter further.

March 20, 2024 9:26 am (11 hours after complaint)

The complaint reflected through your site by Mr./Ms. E. has been taken into consideration by our Company. Further information regarding the matter will be provided. Best regards, AXA SİGORTA A.Ş. Customer Complaint Management

March 22, 2024 5:41 pm
profile-icon
To be able to comment, or .

Comments

Be the first to comment

Similar Complaints

1
Çağla is completely dissatisfied with the result

AXA Refused to Cover My Mothers Surgery Despite Valid Policy

profile
Çağla
August 05, 2025 1:28 am
24
1
Yunus is completely dissatisfied with the result

Allianz Denied Insurance Coverage

profile
Yunus
May 17, 2023 2:08 pm
40
Allianz Denied Insurance Coverage
Allianz Denied Insurance Coverage

AXA Refused to Cover My Surgery Despite My Supplementary Health Policy

profile
Murat
October 10, 2024 7:46 pm
23

Allianz Health Insurance Did Not Cover My Surgery

profile
Bayram
August 18, 2025 8:09 am
23
Report a Similar Issue