Thanks for your suggestions and comments i fought with HCF provided all Dr’s records and finally we have a win they are now classing it “NOT pre existing” YAY!! so happy right now!!

I think i would be fighting this also as when you joined he only had ear ache( you wanted to get it checked further) and hadnt seen a consultant and you were told after you had the cover he needed them.
I could understand if on his doctors notes you were told before he needed them.
Please let us know how you get on.

I know right! Cover is just really mostly a nice cushy room. I had a similar rip off experience x

I hope the op goes well for your little man. Some great tips there from BronnyC

I agree with you on how frustrating it is. Private Health cover is great but, there are often hidden traps to look out for. Try getting ENT rooms to ring them and tell them that this is a new ear condition from previous problem and see if that makes any difference to it being covered. Speak to the Health Insurance Commision/Ombudsman and explain that you where told that you would be covered and then you had a phone call saying you wouldn\’t and can they tell you if by saying this the Private Health Insurance has to cover you because of their mistake. If all else fails speak to hospital, explain about the mix up & ask to speak to the Accounts Dept. They may let you pay it off with instalments. Most doctors etc are understanding about this as they know we all have VERY tight budgets. Good luck on Monday & try not to get too stressed.