CB Health Insurance Pacific Blue Cross PBC's bad faith violation of BC Insurance Act, Part 2, Section 16.1

Pacific Blue Cross review: PBC's bad faith violation of BC Insurance Act, Part 2, Section 16.1

Ripped Off Retirees of US

Mar 14, 2025 1:07 am EDT

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The following Complaint is based solely upon documented facts, and apposite citations from the Insurance Act of British Columbia.

1. During June 2012, Pacific Blue Cross (hereafter PBC) offered health insurance coverage to, and was accepted by, a retired husband and wife couple, who immediately tendered the required premium. As reflected in the policy agreement, since PBC’s underwriters had found no exclusions to coverage, the insurance contract included the Enhanced Drug - Drug Card.

2. During February 2025, the Policyholders formally requested the issuance of the physical Enhanced Drug - Drug Card, but instead of such issuance, PBC advised the policyholders that the underwriting department had issued a new policy, effective 10 March 2025, with a newly added exclusion, and deletion of the Enhanced Drug - Drug Card contractual right. Not only had the policyholders never authorised any modification, amendment or replacement of the original Agreement of 2012, they had diametrically opposed such in all telephonic calls and correspondence.

3. An insurer is not permitted to rectify or change an insurance contract to the detriment of an insured. Bouvry Exports Calgary Ltd. v. ING Insurance Company of Canada, 2008 ABQB 61, Alberta Court of Queen’s Bench, M.E. Erb J., January 24, 2008.

Part 2 of the Insurance Act of BC

16 (1) Each term and condition of a contract must be set out in full in the policy or in writing securely attached to it when it is issued and, unless so set out, is not valid or admissible in evidence to the prejudice of the insured or a person to whom insurance money is payable under the contract.

Recommendation: Pacific Blue Cross is generally a responsible insurer, but the egregious exceptions taint an othersie favourable image

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