YOU HAVE YOUR SAY

EVERY week, Money Mail receives hundreds of your letters and emails about our stories. Here’s what you had to say regarding our story about Grenville Stanbury, whose insurer rejected his £40,000 critical illness claim after he suffered a cardiac arrest by relying on the small print of his policy. He later received a payout after Money Mail intervened.

Shame on HSBC. It has only paid out now in the glare of publicity after Money Mail shamed it. I wonder how many others have fallen foul of HSBC’s small print?

S. B., Maldon. SURELY your heart stopping is always ‘ critical’? HSBC should be ashamed — it’s clear that, having twice rejected the claim, it has only been forced to pay out by the intervention of this paper.

U. T., Manchester.

SHOULD it really require the intervention of a newspaper for the company to pay out in full? Or did it know it was in the wrong? In which case, shame on you, HSBC.

C. R., Cardiff.

Are these companies run by human beings or androids? I would love to know about the man who signed off the refusal to pay out. These faceless men and women hide behind the interpretation of words rather than morality.

A. B., Manchester.

WE PAY into these policies thinking we have every circumstance covered. But for the insurance companies, it’s just more revenue until something happens.

They always seem to find a way to wriggle out of paying, so are their policies really worth it?

B. W., West Midlands.

IF HSBC thinks its policy clauses are fair then it should not back down — whoever complains. So, obviously it doesn’t think its clauses are fair, because it has paid out.

A. H., North Devon.

SORRY, BUT YOUR HEART STOPPING FOR 20 MINUTES DOES NOT COUNT AS A CRITICAL ILLNESS Money Mail, July 1