Geduld

Wat een opluchting: mijn verzekeraar moet na ruim 2 jaar over de brug komen! Met herstel van de polis en met geld. De buffer van mijn bedrijf en mijn voorraad engelengeduld zijn allang uitgeput, dus ik ben er blij mee.

24 april 2015
23 reacties

Een paar columns terug vertelde ik dat ik een ex-arbeidsongeschiktheidsverzekerde ben. Ik had als zzp’er inkomensverlies bij ziekte voor een klein deel geregeld met de verzekering. Maar toen ik het nodig had werd er niet uitgekeerd.

Met de vraag of ik bewust of onbewust al wist dat ik kanker had toen ik me inschreef, startte een 8 maanden durend onderzoek. Het knobbeltje in mijn borst ontdekte ik eind 2012 namelijk zelf. De specialist had me daarmee gefeliciteerd: “Anders was het misschien over 7 jaar pas in de borstenbus ontdekt.” De verzekeraar keek er anders tegenaan. Uiteindelijk werd ik geroyeerd. Niet vanwege de kanker, maar vanwege vage dingen waarin zowel ik als mijn huisarts mij niet herkende.

Ik vertelde in die eerdere column ook dat ik onlangs een gespecialiseerde advocaat had ingehuurd. Zonder haar had ik het niet gekund. Want de verzekeraar negeerde mijn bezwaren en hun brieven stonden bomvol jargon. In schril contrast met de heldere communicatie die er was toen ik nog een potentiële klant was. De boel zat inmiddels potdicht…
Zonder deskundige hulp had ik nooit geweten dat mijn trage verzekeraar ook juridisch gezien te vergelijken is met een slak. Want hoe heb ik nou gewonnen? ‘De opzegging door de verzekeraar zal een toetsing aan artikel 7:929 niet doorstaan.’ Oftewel: Ik had binnen een bepaalde tijd bericht moeten krijgen, en dat gebeurde 2 dagen te laat. De slakkengang van mijn verzekeraar betekent nu hun verlies.

Al na 7 weken belde mijn juridische straatvechter me met het goede nieuws. Mijn man en ik trokken gelijk een fles wijn open om het te vieren. Maar hebben we al vakantieplannen of is de rekening van het advocatenkantoor betaald? Nog niet.
Mijn jurist kreeg 3 weken geleden weliswaar bericht van mijn verzekeraar. Ik heb nog niets gehoord…

23 reacties

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    Vroeger ben ik nog eens gebeld door een veeekrzraar (heel lang geleden) over een nota. Of de nota voor de opname van mijn zoon (na de bevalling) niet thuis hoorde bij mijn veeekrzraar, want meestal moest de moeder om medische redenen blijven en bleef het kind dan op soaciale gronden opgenomen. Toen ik hen uitlegde dat het andersom was: mijn zoon was om medische redenen opgenomen (een beetje slechte start). Hadden ze de nota van de ambulance niet gezien en de nota van het Sophia Kinderziekenhuis (SKZ)? Dat ik nog wat langer bleef in het Dijkzigt ziekenhuis was omdat mijn zoon daar ook lag op de babykamer (nadat hij weer terug was gekomen vanuit het SKZ omdat het gelukkig beter met hem ging). Maar als ze heel principieel waren, wilde ik mijn verzekeringsmaatschappij wel inlichten over het feit dat zij graag de mijn nota van de opname betaalden, omdat mijn zoon de reden was dat ik wat langer bleef. Dat vonden ze niet zo’n goed idee en ze hebben verder zonder morren de nota betaald. Het was ook wel een beetje sneu voor hen. Mijn zoon is begin december geboren. Hij genereerde gelijk veel kosten, want werd bij 7 weken ook nog geopereerd aan een liesbreuk. En 2 maanden na zijn geboorte gingen we over naar een andere zorgveeekrzraar omdat mijn man van werkgever veranderde. Nauwelijks premie betaald voor mijn zoon en vele duizenden guldens aan kosten.

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