Anyone have any experience with an insurance company...WrLife?

[bkk6060]

8 minutes ago, jerrymahoney said:

It seems to me, based upon reading Facebook and Google reviews, that they do deny a fair number of claims. That's because they maybe attract persons who have no prior health insurance track record and those people in particular play fast & loose in disclosing any prior medical history.

 

Then they put in a claim in short order after beginning coverage.

 

 

I agree, and this happens with other companies.  So,  who is trying to pull a scam; The insurance company or the insured?  

[Celsius]

28 minutes ago, jerrymahoney said:

It seems to me, based upon reading Facebook and Google reviews, that they do deny a fair number of claims. That's because they maybe attract persons who have no prior health insurance track record and those people in particular play fast & loose in disclosing any prior medical history.

 

Then they put in a claim in short order after beginning coverage.

 

 

 

While it is fine to read the bad reviews online one should be aware that most people only do a review when they are unhappy. However, some of the replies by this insurance company sound very unprofessional....

"Hi Warren,
Sorry to hear that. But, are you an actual customer of our company? OR are you just venting against insurance companies?"

 

I mean, wtf is this?

[scubascuba3]

1 hour ago, jerrymahoney said:

It seems to me, based upon reading Facebook and Google reviews, that they do deny a fair number of claims. That's because they maybe attract persons who have no prior health insurance track record and those people in particular play fast & loose in disclosing any prior medical history.

 

Then they put in a claim in short order after beginning coverage.

 

 

One of the problems with falang based insurance, if you want to sue them where do you fly to?

 

At least with the very average thai health insurance you can sue them as my lawyer friend tells me

[Etaoin Shrdlu]

@scubascuba3Here's a link to what looks like WRLife's UK certificate of incorporation in the UK: https://s3.eu-west-2.amazonaws.com/document-api-images-live.ch.gov.uk/docs/k0WlFyhENknlQ5xfmD_o3_XPPCLNa5ntbUtBK4oS-ag/application-pdf?X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Credential=ASIAWRGBDBV3JAHCBV4C%2F20230930%2Feu-west-2%2Fs3%2Faws4_request&X-Amz-Date=20230930T011524Z&X-Amz-Expires=60&X-Amz-Security-Token=IQoJb3JpZ2luX2VjEMv%2F%2F%2F%2F%2F%2F%2F%2F%2F%2FwEaCWV1LXdlc3QtMiJIMEYCIQD67lKVsaun5XHFaVEEc0%2FoQv3o7xuOiHZb9O%2B8wInahgIhAIpFND3tgEc%2FODDHfolcCfsmAapcp4%2BTlxRpchl8sk%2B2KsQFCMT%2F%2F%2F%2F%2F%2F%2F%2F%2F%2FwEQBBoMNDQ5MjI5MDMyODIyIgxwMgKVBcbWf4%2BQdyAqmAVJC54HvzZ3A41SMcsmGmL8HhhokPlfYQ3OsRJNV8YLCp%2FMzs%2FFNDiBTgkWlVKrgTG5kUia3TL0EkQSbc0sXq4JLgT74ota5dzwVRusGJlC6QpzGh5be5kCIFRnjQBwL%2BU9do%2FfGz6ecKeh65a99mogkL21R7%2FetwX0Lgbd9k0bchsiOJddqRAais5sULfleYjvMuPc3u0z44hh1Qw5BX0mLnNLr8ooQHXC%2BeGn3MWANFw3tuuH9oqnRa8ZtxZ4DaH1boF%2BFMafqy%2FdMLMcCyUvowI5VlmpYaobA2RK91aoZ6qwrNuov8FipirFy1IsLIYHFaT3gPNFThhV9tXXy%2BY4MUuKRTRJItA%2FlcVEi%2Foel6Y5g5o1nYK%2BpTBEuveWX3gtQMahkS16mQu50CRas2VeBqthzeXSUAGgXpyqYY6iDzXS%2FT8I5jmJv%2BXwgk3zs%2BoyfuB76KyM4A32EACy%2F437B%2BuYaahLV0n5kuguv%2FXarJOpaGqQkMMZ9uJ62pXAfPcoRrIlihD18mFzHUmyLc7MPkO3sOg0v6Pw1U84NpR2TEcvzOSWRz5XExs19QkXjfFFToecJF37IZjrIAFKXgJysRCTJpI1vGFr%2BcoR0mbIijAs3mxC3Q%2FSx%2B3sTARV4%2FdJXBi6LZzQshn5RNFGtbQ%2BjmPuYilCI%2BbaF2Wi66gQ5Pj5BPqY2xNHSqs6SfZbHc6CcXTfXgxwrvhC%2Bod3HMUVtigz3W20J5IhaKcnbPHLWaopeGvqoL6JLNYJSgrc8pVg%2FzN2XvOyoImkCOQl1afrD0Iu0%2F6iVWBAIXJuFZ9%2FV7vSx1INmHpJzA%2FpvvqN6RSLCR6FH5EGWpYWCA3V%2FhrCzPaOYKyPzFYOgZh3KxADOlSgac%2FA%2F3X8MO%2FB3KgGOrAB%2FQ4TYo90%2B7RvvSiMUI4Bg0RaZ68CygcIc%2BwcGJQ7y2XHT1dFuxU0KmnTRfPbwoaZZxxenl%2FfRpqnkLtKqjEAL2NETbFI1HQyvkuWjSTJXwUY2nrSgeHHecZB85z3aQgPC3L7RxnLsbmelcyGFpvwKlHGJZX1tJvhTlfEG7D7ilrSFAAB2uaqyq9qVy%2FsKzlK4OGGUGZ8qauCYote8zCfDE1hU6mFWd8hnfFnz8aEVWg%3D&X-Amz-SignedHeaders=host&response-content-disposition=inline%3Bfilename%3D"14167438_newinc_2022-06-13.pdf"&X-Amz-Signature=e0f74b47466af657fa852cae8be42f2dd12764326fada19aa664127642908af9

 

This document states the company's capital as GBP1,000,000.

 

Here's a link to the Nevis financial regulator's website showing WRLife's registration as a foreign insurance company: https://www.nevisfsrc.com/regulated-entities/#general-insurance-companies

 

I can't find evidence that WRLife is registered with the PRA or FRA in the UK, so I don't think it is regulated as an insurer there. It would appear that if one wanted the assistance of a regulator, one would have to contact the Financial Services Regulatory Commission on Nevis.

[scubascuba3]

30 minutes ago, Etaoin Shrdlu said:

@scubascuba3Here's a link to what looks like WRLife's UK certificate of incorporation in the UK: https://s3.eu-west-2.amazonaws.com/document-api-images-live.ch.gov.uk/docs/k0WlFyhENknlQ5xfmD_o3_XPPCLNa5ntbUtBK4oS-ag/application-pdf?X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Credential=ASIAWRGBDBV3JAHCBV4C%2F20230930%2Feu-west-2%2Fs3%2Faws4_request&X-Amz-Date=20230930T011524Z&X-Amz-Expires=60&X-Amz-Security-Token=IQoJb3JpZ2luX2VjEMv%2F%2F%2F%2F%2F%2F%2F%2F%2F%2FwEaCWV1LXdlc3QtMiJIMEYCIQD67lKVsaun5XHFaVEEc0%2FoQv3o7xuOiHZb9O%2B8wInahgIhAIpFND3tgEc%2FODDHfolcCfsmAapcp4%2BTlxRpchl8sk%2B2KsQFCMT%2F%2F%2F%2F%2F%2F%2F%2F%2F%2FwEQBBoMNDQ5MjI5MDMyODIyIgxwMgKVBcbWf4%2BQdyAqmAVJC54HvzZ3A41SMcsmGmL8HhhokPlfYQ3OsRJNV8YLCp%2FMzs%2FFNDiBTgkWlVKrgTG5kUia3TL0EkQSbc0sXq4JLgT74ota5dzwVRusGJlC6QpzGh5be5kCIFRnjQBwL%2BU9do%2FfGz6ecKeh65a99mogkL21R7%2FetwX0Lgbd9k0bchsiOJddqRAais5sULfleYjvMuPc3u0z44hh1Qw5BX0mLnNLr8ooQHXC%2BeGn3MWANFw3tuuH9oqnRa8ZtxZ4DaH1boF%2BFMafqy%2FdMLMcCyUvowI5VlmpYaobA2RK91aoZ6qwrNuov8FipirFy1IsLIYHFaT3gPNFThhV9tXXy%2BY4MUuKRTRJItA%2FlcVEi%2Foel6Y5g5o1nYK%2BpTBEuveWX3gtQMahkS16mQu50CRas2VeBqthzeXSUAGgXpyqYY6iDzXS%2FT8I5jmJv%2BXwgk3zs%2BoyfuB76KyM4A32EACy%2F437B%2BuYaahLV0n5kuguv%2FXarJOpaGqQkMMZ9uJ62pXAfPcoRrIlihD18mFzHUmyLc7MPkO3sOg0v6Pw1U84NpR2TEcvzOSWRz5XExs19QkXjfFFToecJF37IZjrIAFKXgJysRCTJpI1vGFr%2BcoR0mbIijAs3mxC3Q%2FSx%2B3sTARV4%2FdJXBi6LZzQshn5RNFGtbQ%2BjmPuYilCI%2BbaF2Wi66gQ5Pj5BPqY2xNHSqs6SfZbHc6CcXTfXgxwrvhC%2Bod3HMUVtigz3W20J5IhaKcnbPHLWaopeGvqoL6JLNYJSgrc8pVg%2FzN2XvOyoImkCOQl1afrD0Iu0%2F6iVWBAIXJuFZ9%2FV7vSx1INmHpJzA%2FpvvqN6RSLCR6FH5EGWpYWCA3V%2FhrCzPaOYKyPzFYOgZh3KxADOlSgac%2FA%2F3X8MO%2FB3KgGOrAB%2FQ4TYo90%2B7RvvSiMUI4Bg0RaZ68CygcIc%2BwcGJQ7y2XHT1dFuxU0KmnTRfPbwoaZZxxenl%2FfRpqnkLtKqjEAL2NETbFI1HQyvkuWjSTJXwUY2nrSgeHHecZB85z3aQgPC3L7RxnLsbmelcyGFpvwKlHGJZX1tJvhTlfEG7D7ilrSFAAB2uaqyq9qVy%2FsKzlK4OGGUGZ8qauCYote8zCfDE1hU6mFWd8hnfFnz8aEVWg%3D&X-Amz-SignedHeaders=host&response-content-disposition=inline%3Bfilename%3D"14167438_newinc_2022-06-13.pdf"&X-Amz-Signature=e0f74b47466af657fa852cae8be42f2dd12764326fada19aa664127642908af9

 

This document states the company's capital as GBP1,000,000.

 

Here's a link to the Nevis financial regulator's website showing WRLife's registration as a foreign insurance company: https://www.nevisfsrc.com/regulated-entities/#general-insurance-companies

 

I can't find evidence that WRLife is registered with the PRA or FRA in the UK, so I don't think it is regulated as an insurer there. It would appear that if one wanted the assistance of a regulator, one would have to contact the Financial Services Regulatory Commission on Nevis.

If taking court action, where would that be? England?

[Etaoin Shrdlu]

16 minutes ago, scubascuba3 said:

If taking court action, where would that be? England?

My guess is that it would, since that's the place of incorporation and where the company's assets presumably are. 

 

 

[jerrymahoney]

The Association of British Insurers is the voice of the UK’s world-leading insurance and long-term savings industry.

 

Making a complaint
If you're unhappy about the way your claim has been handled or the way your insurer has treated you, you have the right to complain. 

 

If you are unhappy with your insurer's response to your formal complaint, or if they do not respond within eight weeks, you can take your complaint to the Financial Ombudsman Services (FOS). The FOS is an independent body which aims to settle complaints between consumers and businesses providing financial services.

 

The FOS can only award a maximum of £150,000 and 
will only represent individuals – it will not represent 
companies.

 

https://www.abi.org.uk/data-and-resources/tools-and-resources/making-a-complaint

[scubascuba3]

3 minutes ago, jerrymahoney said:

The Association of British Insurers is the voice of the UK’s world-leading insurance and long-term savings industry.

 

Making a complaint
If you're unhappy about the way your claim has been handled or the way your insurer has treated you, you have the right to complain. 

 

If you are unhappy with your insurer's response to your formal complaint, or if they do not respond within eight weeks, you can take your complaint to the Financial Ombudsman Services (FOS). The FOS is an independent body which aims to settle complaints between consumers and businesses providing financial services.

 

The FOS can only award a maximum of £150,000 and 
will only represent individuals – it will not represent 
companies.

 

https://www.abi.org.uk/data-and-resources/tools-and-resources/making-a-complaint

wrlife falls within that? and any court case?

[jerrymahoney]

3 minutes ago, scubascuba3 said:

wrlife falls within that? and any court case?

My DEC 2022 American Express billing was to WRLIFE LONDON GB

 

And if you have a claim in excess of 150,000 pounds, good luck to you.

[scubascuba3]

1 hour ago, jerrymahoney said:

My DEC 2022 American Express billing was to WRLIFE LONDON GB

 

And if you have a claim in excess of 150,000 pounds, good luck to you.

not sure that falls under uk regulator, something for you to find out as they insure you

[jerrymahoney]

 

53 minutes ago, scubascuba3 said:

not sure that falls under uk regulator, something for you to find out as they insure you

Something for me to find out if I ever need to file a complaint or sue them in Court.

[scubascuba3]

48 minutes ago, jerrymahoney said:

 

Something for me to find out if I ever need to file a complaint or sue them in Court.

what court?

[jerrymahoney]

15 minutes ago, scubascuba3 said:

what court?

I'll find out if needs be -- which, at least for now, I will say is highly unlikely.

[Patanawet]

On 9/29/2023 at 1:02 PM, brewsterbudgen said:

Yes, WRLife are good value!  They also 'guarantee' not to increase premiums with age.

Yes, but do they pay out with no quibbles?

 

 

 

 

 

[jerrymahoney]

 

On 11/9/2023 at 6:41 PM, Patanawet said:

Yes, but do they pay out with no quibbles?

Presuming the above was your question and just a formatting error, you might look at this recent post:

 

https://aseannow.com/topic/1268153-wrlife-medical-insurance-experiences/?do=findComment&comment=18485195

 

...  and not one comment from the Boo-Birds.

 

[paddypower]

On 5/31/2022 at 8:38 AM, JohnOFphon said:

Also know as SBC insurance here. 

WrLife is a UK company offering a Local and international plan.

From 20,000 USD and up.

No life insurance offered for my age. 

Rates seem reasonable. 1220 USD per year. Inpatient. 

I hate phone calls, so I will see what you people have to say,,,if anything,.. before investigating further.

Thanks.

careful, NOT connected to SCB.