I received a letter from your firm still saying you need me to refund the money and I am repeating telling that if I have given the chance for your staff/your agent to ask the doctor to decide approving the case or not and I have been told the case is approved after investigation. If you tell me I am not covered before admission to hospital, I will choose not to do the surgery or go to public room/ public hospital or choose my work insurance to claim.
2) Your successful claim or not against any insurer is not a point of our consideration in demanding the refund, and we are not liable to any issues arising between yourself and any third parties.
Our position has been very clearly stated in our various letters to you. I have also listened to your calls in and before last week, but unfortunately, based on the information on hand we have decided our position would not change.