Indeed @kmakm. The other conversation that no-one there wants to have concerns my income insurance. They have continued to deduct premiums even though I made no contributions for over 18 months. That's against their own policy which states the deductions stop after there has been no contribution to the fund for 6 months. No one can explain how that was allowed to happen. Current activity at the financial services royal commission might shed some light on that. Pure bloody greed and the belief that there will be no penalty for noncompliance.
Now they are offering to cancel the current policy. Why would they want to do that, I wonder? I've said no. Since I haven't been able to make a claim and the policy was taken out before my diagnosis, I want to know if I am still able to make a claim if I'm employed when the cancer returns or I suffer one of the multiple treatment related catastrophes that we know are lurking in the background. Like heart disease brought on by chemotherapy for example. I had no pre-existing condition when I took out the policy as I had no evidence of disease and hadn't had any cancer treatment for nearly 5 years. So, I should be still covered if I need to make a claim and I am employed at the time, yes? The product disclosure statement doesn't cover that situation--thus their desire to get rid of that policy. Oh, the wriggling and thrashing that is going on. It's costing me $30 a month out of my fund, but there is no way I'm going to roll over on this one. No doubt I'll get screwed over in the end, but I am not going to make it easy for them.
