I haven’t responded earlier because I’m in Australia and our health systems and insurance systems are very different in comparison to the U.K. and was hoping that someone with more relevant information may respond.
We do have something similar to PIP known as ‘3rd party insurance’ but it is solely for motor vehicle accidents. Also because we have universal healthcare in Australia such insurance would not be required for Chiari, it would all be covered by our Medicare system.
As for words of wisdom (if you can call it ‘wisdom’).
I have had the ‘joy’ of dealing with an insurance company and they can be nothing short of nasty. If they can get away without paying, they will. They may try to discredit you and your symptoms. They may try to question the cause, affect and impact. They may try to send you to their own doctors who are sympathetic to the insurer and willing to minimise any concerns. DON’T LET THEM The best way I found to prevent them playing their games is to get ahead of them. Compile your own medical file with all of your scans, all of your reports, everything. This can shorten their processes, which can take months if you leave it all to the insurer.
I say all of this because initially I left it in the insurers hands and they had me running from one dr to the next, obtaining repeat reports over and over and ov… In the end I decided to get the lawyers involved and my only wish was that I’d started the lawyer process sooner. They took care of it all. The insurer certainly didn’t like the lawyers involvement, in fact, they tried to convince me not to use a lawyer at all. But I was sick and tired of trying to deal with them all on my own.
Hope it helps
Merl from the Modsupport Team