I am self employed in the UK. My wife works for companies which give you a family health package while you work with them.
Now my wife changed jobs. Before she was with BUPA and now, via the company, with AXA. Now I need to go to the doctor (mole inspection), nothing expensive but AXA says this issue started before my wife had a contract with them and BUPA says she has cancelled her contract hence she cannot claim anything with them.
I am not sure how the rules are in the UK. I find it difficult to believe that you lose your coverage even though you have never had an insurance gap. Imagine hypothetically the doctor tells me that I have cancer.
What are the rules behind this very common situation. Has HR made a mistake and they actually should have gone with BUPA in our case?