“As in common with all health insurers, we consider several factors when calculating personal policy premiums including any previous claims, their age and the type of policy they choose.”
In the case of Mr and Mrs Marden, Washington reported they had asked for a quote for Bupa's most comprehensive policy, which "cannot be compared" to their entry level policy from 2007.
Washington additionally stated that, since then, medical inflation has increased "significantly" and that Insurance Premium Tax has also increased.
"We have supported Mrs Marden with high-cost treatment, which we are pleased to have been able to do," he added.
Wider concerns
Marden additionally shared his concerns about the wider implications of this and how other people may be affected in a similar way.
He stated that, throughout the ordeal, Bupa has continued to state to him and his employer that this represented standard industry practice.
“To me, this smacks of the early stages of a downward spiral into a horrendous US-style healthcare situation.”
Marden added: “How many other employees across the industry are sitting on a ticking time bomb, unaware of what may impact them one day?”
However, Washington stated: “The Financial Ombudsman Service has already reviewed Mr Marden’s complaints and found we treated him fairly when providing a quote and explaining how much the new personal policy would cost.
“We offer a range of cover options, policies and prices and we’re happy to discuss these with Mr Marden.
“We’re very sorry that Mrs Marden is still unwell and we’re continuing to provide her with the treatment, help and support she needs.”
tom.dunstan@ft.com
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