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A reader says she has been paying ACE Insurance HK$540 a year for 15 years for accident coverage for her husband who is a professional golfer. She only recently found out the policy had 'professional restrictions' that would invalidate any claims.
'For some years we have had an accident policy with ACE Insurance,' she said.
'About a year ago, I requested a copy of the policy to refresh my memory only to find out that the policy is not valid due to professional restrictions - yet for approximately 15 years the company has accepted the premium.
'I have referred this issue back to ACE Insurance. Every communication takes months and is only followed up when prompted by myself. Around May, I was assured by one of the employees that all had been sorted and that the restriction was lifted and everything was okay.
'Twice bitten. I requested written confirmation, which was promptly furnished only to state that the insured is not covered due to professional reasons. All this time the premium has been deducted from the account. My final request for clarification has been met with silence, and the premium is still being deducted.'