Loraine A

Rejected claim due to psychological exclusions

I have been paying gap cover premiums to Stratum Benefits for over a year, believing I was protecting myself and my family against hospital shortfalls. When my daughter was hospitalized and needed the cover, my claim was declined because the admission was related to a mood disorder. Apparently, emotional and psychological conditions are excluded. This was never clearly emphasized when I took out the policy. It feels like the provider decides which hospitalizations are “valid” enough to cover. Mental health hospitalizations are serious and real. To refuse payment during such a vulnerable time is extremely disappointing. I would strongly advise others to carefully check the exclusions before signing up.