Having kept me on tenterhooks for over a month with more and more demands for information from my opticians -not my doctor- regarding a cataract operation which had already been approved by Aviva but postponed by the pandemic, my claim was declined on the excuse that because incipient cataracts ( which at the tine posed no loss to my vision ) were first noted before the start of my previous policy, my 2 yearly routine checkups with my optician amounted to "ongoing treatment" and would therefore not be covered by this insurer, despite the fact that when considering my options with various insurance firms, I specifically asked this question and received repeated assurances that my previously approved cataract operation would be honoured under the terms of my new contract with G&M. I find G&M's reasons for rejecting my claim spurious, since the only treatment for cataracts is the lens replacement which I need now but which, according to the specialist I consulted two years ago, I would not even require for the next 6 months. Cataracts do not require "ongoing treatment" and I never had any. I do not see how the kind of routine eye check up everybody who wears glasses has to have from time to time can be construed as such. I consider the rejection of my claim a callous excuse, based on a morally dubious loophole never mentioned before which gives General and medical the right to pocket large sums of money with no regard for their moral obligations and the welfare of their clients; a behaviour which entirely contradicts all their fanciful promises and deceitful boasts.
I would like to add that although I have had no word from the man who dealt with my claim, I have just received the same, stock reply to my Trustpilot review EVERYBODY gets, namely, it is for the complainant to contact them on a generic number and jump through whatever hurdles they then choose to put in his or her way.
