A Humanitarian Gesture Needed - Please Read | ExpatWoman.com
 

A Humanitarian Gesture Needed - Please Read

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EW NEWBIE
Latest post on 15 May 2013 - 20:04

Without going into too much detail, I have recently had a very bad run of luck. I was diagnosed with a serious illness and soon after, was unfairly dismissed by my employer, which meant that I will lose my medical coverage as soon as my visa is cancelled.

Due to the nature of my illness, I am concerned about my lack of medical cover for the future - not for my current treatment as that will be covered - but in case I may need medical cover in the future.

A very kind Broker advised that my only solution would be to get myself onto a group BUPA medical scheme with pre-existing conditions disregarded. After 3 years coverage, I would transfer the scheme to my own name as a private individual which would mean that I would be covered in the future if I needed any further treatment. I have researched this and this is indeed the case.

My question is this - would anyone out there be willing, as a humanitarian gesture, to add me to their group BUPA medical coverage? I would cover all costs of premium etc and would be of no extra cost to the company. I would simply be another addition to the group scheme. I would not even make any claims during this period; the company could retain the card. Please note this would be of no extra cost to the company!

Should anyone have it in their heart to assist me with this, I would be extremely grateful.

Thanks so much for taking the time to read this.
edited by hopefuldxb3 on 15/05/2013

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EW NEWBIE
Latest post on 05 June 2013 - 10:41
Just thought Id bump this for the OP in case anyone else may be able to assist :)
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EW GURU
Latest post on 29 May 2013 - 22:31
Haven't seen WW lately...
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EW NEWBIE
Latest post on 29 May 2013 - 14:01
Pikachu, I was about to do the same thing! :) Anything, anyone?
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EW GURU
Latest post on 28 May 2013 - 10:41
Bump - any news ?
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EW NEWBIE
Latest post on 22 May 2013 - 18:18
Hi WW - I would also like to thank you for your kindness in trying to help the OP. In such a situation, I know your help and empathy will mean the world to the OP. After reading some of the judgemental and extremely nasty comments on here which were completely uncalled for, I was really very upset for the OP. It must have hurt reading some of the comments. You have restored my faith in people, thank you WW. I genuinely don't think the people can plan for all eventualities in life. I've been talking to a lot of people about this post trying not only to help the OP but to raise awareness about such a situation and in all cases, everyone relied on their private medical cover through their company. Not one person I've spoken to knew if they could continue with their medical if their employment was suddenly terminated in the midst of a serious illness. It would be amazing if there was good news for the OP.
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EW GURU
Latest post on 22 May 2013 - 16:50
My point is you can't come here and not build in a safety net for yourself. We have several - for all contingencies - including reserve insurance in our home country. I'm always surprised by these "hard luck stories" that could easily have been avoided with a bit of common sense. Good for you Quinn. Im genuinely happy for you that you and your family are in such a blessed position to be able to do so. However, sadly, we're not all in such a fortunate position. Please give OP a break and try showing just a little compassion, or perhaps just opt out of this thread altogether now? There's no need for all the negative comments. OP's situation sounds stressful enough as it is. Do you not think that comments such as your own will be adding to this for her? Not fair. edited by LMAO-DXB on 19/05/2013 Some of us don't have the budget to plan for *all* contingencies or live in the largest villa in AR. We make do the best we can to protect and provide our families given our circumstances.
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EW NEWBIE
Latest post on 22 May 2013 - 16:38
WW, Thats amazing, thanks ever, ever so much for your kindness and all the efforts you are going making. I cannot express how grateful I am. hopeful
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EW NEWBIE
Latest post on 22 May 2013 - 04:36
Hopefuldxb3, Just wanted to let you know I hope to have an answer by the end of the work week. Stay hopeful - I am working hard to keep hope alive for you too! If not for the generosity of my former (and still very beloved) employers, I would not be here today to try and "pay it forward" - so I completely empathize with your situation. It takes a village!
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EW NEWBIE
Latest post on 21 May 2013 - 15:02
Bumping for OP in case it may help :)
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EW NEWBIE
Latest post on 20 May 2013 - 20:50
WW, Thank you from the bottom of my heart. You have no idea of how much of an impact this amazing gesture could have on my life. As Elmpark said, it is heartwarming to know that such lovely people are out there. Thank you again!
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EW EXPERT
Latest post on 20 May 2013 - 18:56
Williamsburg that is very good of you, nice to know there are people like you out there. I second that......a really nice thing to do.
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EW EXPLORER
Latest post on 20 May 2013 - 18:21
Williamsburg that is very good of you, nice to know there are people like you out there.
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EW NEWBIE
Latest post on 20 May 2013 - 12:54
Dear hopefuldxb3, I submitted a query along with the supporting information supplied by Cara and Hendy. If anyone else is covered under the BUPA scheme with Medical History Disregarded (MHD), it only takes a few minutes of your time to ask. This is a person's life and access to healthcare we are talking about here. There is no harm in asking and those few minutes out of your day could equal a lifetime for hopefuldxb3. I am hoping for the best as I wait to hear back! :)
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EW EXPERT
Latest post on 19 May 2013 - 19:42
Putting another positive slant on the thread.....hopefully this gives a heads up to everyone to check your medical cover, both in you home countries and should you find yourself unemployed in DXB. <em>edited by Nomad on 19/05/2013</em>
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EW EXPLORER
Latest post on 19 May 2013 - 19:21
Is it really possible to anticipate and plan for ALL contingencies? Hindsight is always 20/20. It is rwasonable to assume that if you have private insurance you will be covered when you need it, and if you change jobs, your insurance company may change but you'll still be covered. It has surprised me that not all companies here offer medical history disregarded group policies to all employees. If I found myself in the OPs unfortunate position, I would have been unprepared, and I consider myself fairly organised about such things as life/ critical illness cover, access to emergency funds in case of death etc. personally, I don't see what the problem is with what OP is asking. Group policies simply spread the risk for the insurance company, it doesn't matter who's in the group. As long as everyone pays in (and OP would pay her own premium), she is covered. If she doesnt claim, there is no additional cost to other members via higher premiums. If the insurance company allows this, where does the ethical problem come in?
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EW OLDHAND
Latest post on 19 May 2013 - 19:06
Quinn10 - just a word of caution re insurance in your home country. When my DH arrived out in Dubai we realised the insurance his company were providing him with was shocking. We still had insurance in the UK and I contacted them to enquire about continuing topay premiums so that in the event of any illness we could return to uk for treatment. I was told that by moving abroad and becoming non resident I was invalidating the insurance. Possibly just the company I was with but it might be worth checking. <em>edited by Feefmick on 19/05/2013</em>
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EW GURU
Latest post on 19 May 2013 - 19:05
My point is you can't come here and not build in a safety net for yourself. We have several - for all contingencies - including reserve insurance in our home country. I'm always surprised by these "hard luck stories" that could easily have been avoided with a bit of common sense. Good for you Quinn. Im genuinely happy for you that you and your family are in such a blessed position to be able to do so. However, sadly, we're not all in such a fortunate position. Please give OP a break and try showing just a little compassion, or perhaps just opt out of this thread altogether now? There's no need for all the negative comments. OP's situation sounds stressful enough as it is. Do you not think that comments such as your own will be adding to this for her? Not fair. <em>edited by LMAO-DXB on 19/05/2013</em>
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EW OLDHAND
Latest post on 19 May 2013 - 19:00
I may have misread but what I believe the OP is saying is that becos of her current illness she will find it very difficult to obtain medical insurance in the future. As she has lost her job the current insurance no longer exists. Getting insurance with a pre-existing condition with a new company is near impossible as an individual but one can get cover by joining a group BUPA scheme then after a set period of time( think the OP) said 3 years she can transfer it to an individual scheme. We had exactly same issue with my eldest DD - she was born with a congenital,kidneys problem...we had great BUPA cover which covered this but then the company changed from BUPA to another company and she was no longer covered. I have never been able to get her covered since...nothing we could have envisaged and I thought we had all bases covered. As I said earlier none of us know what is round the next corner and things can easily go badly wrong very quickly even with contingency plans in place. The OP is asking for nothing apart from to be added onto a current group plan. My understanding is that anyone can go on a group plan...it's just a means of grouping everyone together on same plan rather than individual plan. The more people in a group scheme, the cheaper it generally is for the employer.
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EW EXPERT
Latest post on 19 May 2013 - 18:56
Oh from that lofty perch on the soapbox........heaven forbid that some should find themselves in the same situation as OP. Well, actually, I have private health insurance in my home country - that we save for and maintain - as well as here so that we will never actually find ourselves in such a position. It's amazing all the things you can avoid if you plan ahead and don't spend all your money at Saffron! Ummmm sorry don't quite get the point but is the OP spending her money at Saffron ??! For all we know she has been saving like mad and has fallen on hard times........ edited by Nomad on 19/05/2013 Saffron was a reference to a different thread. My point is you can't come here and not build in a safety net for yourself. We have several - for all contingencies - including reserve insurance in our home country. I'm always surprised by these "hard luck stories" that could easily have been avoided with a bit of common sense. But that's just it what if life throws you a curve ball while you are 'building that safety net' as you put it..... Many people come to the ME with that though in mind and after spending 25+ years in the region in recent years that goal is getting more and more difficult to obtain.
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EW GURU
Latest post on 19 May 2013 - 18:50
Oh from that lofty perch on the soapbox........heaven forbid that some should find themselves in the same situation as OP. Well, actually, I have private health insurance in my home country - that we save for and maintain - as well as here so that we will never actually find ourselves in such a position. It's amazing all the things you can avoid if you plan ahead and don't spend all your money at Saffron! Ummmm sorry don't quite get the point but is the OP spending her money at Saffron ??! For all we know she has been saving like mad and has fallen on hard times........ edited by Nomad on 19/05/2013 Saffron was a reference to a different thread. My point is you can't come here and not build in a safety net for yourself. We have several - for all contingencies - including reserve insurance in our home country. I'm always surprised by these "hard luck stories" that could easily have been avoided with a bit of common sense.
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EW MASTER
Latest post on 19 May 2013 - 18:48
The OP did have insurance cover but lost her job at the same as she found out she was ill. A bit of a double whammy.... As my gran used to say, 'you never know what is round the next corner.' None of us do and majority of us could have the rug pulled out from under our feet at anytime. Unfortunately, I'm not in a position to help but hope someone can. No, she says... [b'>Due to the nature of my illness, I am concerned about my lack of medical cover for the future - not for my current treatment as that will be covered - but in case I may need medical cover in the future. [/b'>
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EW EXPERT
Latest post on 19 May 2013 - 18:46
Oh from that lofty perch on the soapbox........heaven forbid that some should find themselves in the same situation as OP. Well, actually, I have private health insurance in my home country - that we save for and maintain - as well as here so that we will never actually find ourselves in such a position. It's amazing all the things you can avoid if you plan ahead and don't spend all your money at Saffron! Ummmm sorry don't quite get the point but is the OP spending her money at Saffron ??! For all we know she has been saving like mad and has fallen on hard times........ <em>edited by Nomad on 19/05/2013</em>
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EW GURU
Latest post on 19 May 2013 - 18:45
Well there you are. I've deleted all my posts. I'll just take my common sense and go since that's clearly not what this thread is for.
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EW OLDHAND
Latest post on 19 May 2013 - 18:44
The OP did have insurance cover but lost her job at the same as she found out she was ill. A bit of a double whammy.... As my gran used to say, 'you never know what is round the next corner.' None of us do and majority of us could have the rug pulled out from under our feet at anytime. Unfortunately, I'm not in a position to help but hope someone can.
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EW GURU
Latest post on 19 May 2013 - 18:37
In life, there are people who are the voice of reason and there are those who have no common sense whatsoever as well. All of you are encouraging the OP but no one is leaping off their chair to volunteer their services either. The best option for the OP is to get a job like the rest of us or to go back to her country of origin. It doesn't appear that her illness precludes that. Unnecessary Quinn, just unnecessary. Some people are actually offering to try and help. If you dont feel that you are in a position to offer help or support for OP, ethically or otherwise please stop commenting as your comments are detracting from the purpose of the thread and are particularly unkind. I've seen enough negative comments on this thread now as Im sure many others have too.
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EW MASTER
Latest post on 19 May 2013 - 18:33
is the OP saying that she does not need coverage NOW but is trying to get onto a scheme so that she can have coverage for the future? We would all like that, I am sure....
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EW EXPERT
Latest post on 19 May 2013 - 18:31
Oh from that lofty perch on the soapbox........heaven forbid that some should find themselves in the same situation as OP.
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EW EXPERT
Latest post on 19 May 2013 - 18:12
In life there are those that do and those that sit on the sidelines and criticize........and I might add it is always the same posters who try to help and the same ones who have negative or unhelpful comments. I know I bang on about it but always consider before you pass a comment, how would you say it if the person was sitting in front of you? The faceless world of the Internet is responsible for much misery today, don't add to it. To those who are trying to help the OP ,well done,as has been pointed out what she is asking for is not illegal . Hope it can be sorted soon. Have deleted most of my post as I don't want to get this thread deleted.;);)
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EW NEWBIE
Latest post on 19 May 2013 - 16:12
Thank you so very much WW. You are very kind. It would be so amazing if you could help the OP. Thank you for trying and for understanding.
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EW NEWBIE
Latest post on 19 May 2013 - 16:07
I don't think it's the pre-existing condition that posters are objecting to but the idea of someone joining a company's insurance cover when they don't actually work for that company or have any connection to it... Personally, if it's legal and someone is willing to oblige I don't see what the problem is... And what do ya know? We agree on something! I'm up for that cup of joe anytime you can break free this week:) since I found out i'm not who you think I am I thought you'd change your mind !! lol Birthday party panics this week but next week name your weapon !! lol Sounds good - will give you a shout out next week then.
 
 

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