Rejected Health Care Claims by Axa Insurance
For years, I've had private health insurance through Axa Insurance, hoping that it would help my family's health problems. The company, however, only covers minor illnesses such as colds and dental cleanings. I recently discovered I have a nasal deviation, and after seeking medical advice due to breathing difficulties, the doctor diagnosed nasal concha fractures and nasal septum narrowing, indicating the need for surgery. Axa Insurance refused coverage, citing a pre-existing condition. They have no evidence of when the fracture occurred, so I must prove its existence, which I am unaware of. The nasal issues appear to be overlooked by the insurance provider. Axa's actions and decisions have made me doubt their credibility, and I have no choice but to avoid their services. I intend to switch my home and auto insurance policies from this company when their policies expire. Axa Insurance fails to meet its commitments.
The complaint reflected through your website by Mr. 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
The complaint directed to your site by Mr. E. has been evaluated. We would like to share that all pre-authorization requests are assessed within the framework of the general and special conditions of the health policy. Best regards, AXA SİGORTA A.Ş. Customer Complaint Management (*) Conditions not covered: Expenses related to the treatment of spinal deformities, surgical interventions for any structural deformities of the nasal septum and nose regardless of the reason for the surgery (septum deviation, SMR, septoplasty, all types of turbinate surgery, nasal valve operations), and all surgeries and interventions performed due to snoring.
Hello, You should itemize the issues you mentioned as out-of-scope activities in my Axa supplementary health insurance policy. In the policy we signed. I hereby declare that you are responsible for hindering my treatment process for a condition that poses an obstacle to my health and for any resulting reasons. Additionally, I will file a complaint with the SGK inspection agency to ensure that your arbitrary practice is properly reviewed, which will bring about justice as a result of your institution being inspected. Let alone the insurance period, I am a person who has been suffering from ENT issues throughout my life without any hospital records. I learned about this problem in my nose involuntarily because I was having obvious difficulty breathing. The swelling in the inner walls of my nose and, in addition, my medical justification signed by a doctor has been reported to you. I hereby declare once again that I will hold you responsible for all diseases that may affect me in the future or from this point on, and I request that the items you have stated as out-of-scope in the policy we signed be proven to me as soon as possible.
