It’s not about a declined claim. It’s not about a last-minute emergency. And it’s not about a dramatic rescue abroad. It’s about… silence. Polite, gentle, well-mannered silence. The kind that, at first glance, even feels convenient.
So, I have this one client (well, in truth, there are quite a few like her.). Very respectful, very considerate. The type of person who starts every message with “sorry to trouble you”, even if she’s just checking when is her renewal date. We arranged a brilliant policy for her a few years ago. Solid cover. Good limits. Everything you’d want. Then it came time to talk about renewal. I called, we had a lovely chat – and when I asked about any claims that she have made in the last 12 months, she quietly said:
“Kirill, yes, I have been to the doctor… but I honestly didn’t submit anything to the insurer.”
So I asked:
— How many times did that happen during the year?
She said:
— Oh, around five visits. Plus some blood tests and a couple of women’s health things…
— And why didn’t you submit the claims?
— Well… I wasn’t 100% sure how to do it. And I thought if I submitted something, it might make my insurance go up next year. And honestly… I follow you on all social media and I can see that you are very active and busy person, so I didn’t want to bother you over something small
Can see that you’re very busy persons t, I didn’t want to bother you over something small
Do you know what this “something small” added up to?
Just under £5k. Five. Thousand. Pounds!!!! Paid out of her own pocket despite having a fully active policy!!!!
All because she didn’t want to be a burden. Because she wasn’t entirely sure of the process.
Because she thought submitting a claim might backfire.
Luckily, this story has a happy ending.
She’d been seeing a good private GP. The one I’ve known for years. So I gave him a quick call. No forms. No waiting. No “please use our online portal to book an appointment”.
In under 2 hours we pulled up all of her invoices, confirmed treatment codes, sorted the paperwork, and sent the entire pack off to the insurer. Two weeks later — full reimbursement. Every penny. No drama. No “war and peace” letters and minimal involvement of the client in the process.
Now, many of those invoices were over 6 months old. And that’s not ideal, because in most policies, you’ve got 6 months to submit a claim. After that, the insurer has every right to decline. I’m not a magician, however every so often I canpersuade, I can ask and I can nudge. And most insurers know by now that if I’m calling on behalf of a client, it’s because it’s legit and I genuinely need a commercial favour.
Time matters! And the longer you wait, the harder it gets.
So if any of this feels even remotely familiar — please:
Don’t be afraid to ask questions!
Don’t leave it for “later”!
Don’t decide on behalf of the insurer that it’s “too small to bother”!
And please, don’t assume I’m too busy to help!!!!
Because this is exactly what I’m here for. Not just to “find you a policy”, but to actually step in when it matters. And if you’re someone who’s polite, considerate, and constantly worried about being a nuisance — here is my official permission to:
Message me any time.
Ask an question, even if it might sound silly.
Submit claim, even if you’re unsure.
Because one day — it might be too late. But for now — we’ve got it covered.