Disability Insurance and Your Rights

Questioner

Hello, As a self-employed entrepreneur, I applied for disability insurance (AOV) with Avero Achmea. After submitting my application, I had a telephone consultation where I immediately explained that I had been diagnosed with whiplash in 2007 following a traffic accident in 1995. Based on this diagnosis, they requested an examination by an independent physician, which I fully cooperated with. Finally, Avero requested additional information from my general practitioner. This letter stated that my situation is currently stable and that there is no reason to assume it will worsen in the future. From 2001 to 2010, I worked for an employer where I can demonstrate that I never missed a single day of work due to whiplash symptoms. Ultimately, Avero indicated they would not provide insurance due to the potential future risks. I believe Avero cannot simply refuse me insurance for this reason. I have since requested the complete file from Avero, which I hope to receive soon. I contacted the insurance company today because I read that I am entitled to a second opinion from an independent physician. To ensure proper procedure, I wanted to discuss this with them. To my surprise, Avero Achmea replied: "We don't do that." As I read online, as a consumer, I am entitled to a second opinion before they can completely deny me insurance. Furthermore, the costs of this second opinion are covered by the insurance company, although a small fee may be charged. I would like to hear from you about my rights and options.

Questioner

I think you're mistaken about the second opinion. The insurer isn't obligated to grant a second opinion when taking out insurance. They do this if you have disability insurance and they don't pay out or pay less than you think they should. In that case, you can use a second opinion. Furthermore, some insurers advertise that they offer a second opinion when taking out disability insurance. But that's actually a marketing ploy. They don't provide a second opinion, but you can have another company's quote assessed, and the insurer will then see if they can make you a better offer. Avero is also not obligated to insure you if they believe the risk is too great. My advice would be to apply for disability insurance with another insurer, as they might be willing to insure you.