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1Life review: Longtime insurance

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One Life Medical Insurance

To whom this may concern.

Thank you for affording me this opportunity to write to you.

Please allow me to recount the situation.

I, Danielle Waterston, saw a clinical psychologist, Dr. S.G. Van Rooy Booysen [protected]), for only three one hour sessions on the following dates:
- 18/10/2019
- 23/10/2019
- 30/10/2019

I saw Dr Booysen expressly and solely to talk about my anxiety of losing my father. This doctor knows my family history previously because my mother has also seen the same psychologist about her bipolar condition (which she had been diagnosed with this before seeing Dr Booysen for her personal counselling sessions) before I had any sessions with this doctor. After only three sessions of talking, Dr Booysen decided to diagnose me with a bipolar disorder and never tell me about this either verbally or in writing. Neither did she recommend for me to see a psychiatrist for treatment, tests or medication to further verify her diagnosis. She claimed from the medical aid for these three sessions and did not say to me that she will be treating me for bipolar to activate a PMB with the ICD Code F31.9 with the medical aid company, namely Discovery, who approved the code for my sessions. If I had been diagnosed with bipolar, as Dr Booysen claims, then why didn't she tell me or recommend a psychiatrist or that bipolar medication was needed.

I did not know I was diagnosed with bipolar as nothing to this effect was mentioned by Dr Booysen. Only when I went on my own decision and initiative (without the recommendation of any doctor) to see a psychiatrist, Dr Z.S. Bodasing [protected]), in April 2020 due to a failed suicide attempt. I was only then diagnosed with bipolar and only then was this brought to my attention that I had this disorder. My mother signed documents for my PMB and I was prescribed bipolar medication. Before this I was not aware nor had I been told by any health care professional that I had bipolar. Therefore, I was not treated for bipolar since October 2019 to April 2020, as Dr Booysen claims

I decided to take out a life insurance policy with One Life before I saw Dr Bodasing and before my suicide attempt. I wanted to be responsible and know my family would be taken care of if something happened as I could see by example of my dad. At the time I took out the policy I had no knowledge that I even had bipolar, as I was only diagnosed in April 2020 by Dr Bodasing (I have attached a copy of her report for your due consideration).

I cannot pay any personal bills and the bank is coming to repossess my car. I can't comprehend that Dr Booysen would even be able to diagnose me with bipolar in only 3 seasons of seeing me, keeping into account my family's intensive medical history and my past traumas nevertheless she didn't look me in the eye and tell me I have bipolar otherwise I would have sought further help as seen once I was properly diagnosed I followed all protocols and I'm very consistent on my meds and have even recently been admitted to the mental ward to better my health, I feel I wouldn't have gotten to the point of suicide if I was informed sooner. why would I even bother taking out life insurance or claiming for a pay out, knowing full well that having a pre-existing medical condition such as this would disqualify me from claiming under these circumstances?

I then claimed for disability from One Life, waiting a total of 8 months only to be notified that they are cancelling my life insurance policy effective end of this month (February 2020). There was very poor and atrocious communication or attempt thereof on the part of One Life to contact me to let me know of the progress of the claim. I had to continually phone to find out the status of my claim, no response emails, I call they say someone will call back, no one does. I just feel very used and mislead by this whole situation I'm still young and I just wanted to be responsible but all this is showing me is to not trust any insurance ever again I chose one life because I felt the reviews were the best that's why I have been so forbearing up until the last few weeks because I had trust in 1 life but they made me feel less like a human. This is not right or fair, as my policy was cancelled with a short email saying policy canceled stating no reason, at 4 in the morning. Not even a courtesy call or email I had to call to figure out why it was cancelled and then after that I had to call the investigator, just for him to tell me everything is denied. Why would One Life just cancel my policy if my premiums are paid up, What if I died tomorrow? Why lead me on for 8 months? Why would I go through all this effort of taking a policy and following up of my own accord if I knew that I had bipolar since October 2019? It was only 8 months later after I wrote a review on Hello Peter about One Life that I eventually got answers from them regarding the claim on my policy. I had to phone the investigator and only then receive the news that my claim was denied

I trust this letter finds you well and I would like to thank you for taking the time to attend to my grievance. I pray that you will find it in your heart to assist me in my current struggle as, at this stage, I have no one else.

With the greatest appreciation.

Miss Danielle Waterston
[protected]
[protected]@gmail.com
____________________

Phone: [protected] (Sonneke my mum)
Email: [protected]@live.co.za
58 Sandpiper Road
Yellowwood Park
Durban
4004

Desired outcome: payout

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