Callus Peel - insurance won't cover

[allyballybee]

Just wondered, those of you using Callus Peel, if you've had any problems getting insurance to do the treatment.

Getting new quotes for insurance and they said they wouldn't be able to cover it.

 

[tog]

I wonder if they really even know what's involved?

I do callus peel and it's never even occurred to me that it is anything other than part of a pedicure . . . what else could it be defined as under an insurance policy I wonder? It's not an invasive treatment like scalpelling the hard skin would be. I didn't even bother asking my insurance company when I started using callus peel in my pedicures as I assumed it was just another (very effective) product. Whatever next - if you decide to change the cream you use to massage the feet and legs with you then have to let your insurance company know, to see if it's on their approved list??

If insurance companies are going to start getting so picky over a treatment such as this I'm afraid it will start to discourage therapists from paying out for insurance altogether.

Sorry to rant, but really- how ridiculous.

I'll be interested to hear other opinions.

 

[allyballybee]

I wonder if they really even know what's involved?

I do callus peel and it's never even occurred to me that it is anything other than part of a pedicure . . . what else could it be defined as under an insurance policy I wonder? It's not an invasive treatment like scalpelling the hard skin would be. I didn't even bother asking my insurance company when I started using callus peel in my pedicures as I assumed it was just another (very effective) product. Whatever next - if you decide to change the cream you use to massage the feet and legs with you then have to let your insurance company know, to see if it's on their approved list??

If insurance companies are going to start getting so picky over a treatment such as this I'm afraid it will start to discourage therapists from paying out for insurance altogether.

Sorry to rant, but really- how ridiculous.

I'll be interested to hear other opinions.

This is exactly what I thought. I have been doing the treatment and never thought to inform insurance company. My insurance is up for renewal and I was shopping around for quotes. I decided to list everything I do to be sure I was getting quoted for everything. This is what they said

This is due to the fact that there is no information about the level of acid within the treatment on any of the product websites, I contacted beauty-select by telephone and they couldnt tell me the percentages either, also they are not keen to insure products imported from outside the EU and this product is from Korea.

Don't know whether to ditch the Callus Peel or try other insurers. I think the insurance companies need to make is a bit clearer on what treatment and products are and are not covered. What if I had a claim arised from doing this treatment and I thought it was fine?

 

[loubilicious]

Could u perhaps provide the insurers with a copy of your msds, I would have thought that the info they need will be on them?
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[allyballybee]

Could u perhaps provide the insurers with a copy of your msds, I would have thought that the info they need will be on them?
Posted via Mobile Device

Good thinking Lou! Never thought to ask them for a MSDS. I'll try that. xx

 

[jes]

Surely Callus Peel is just part of a pedicure? So if you're insured to do pedicures then you must be able to use any, necessary, products and chemicals that go with that treatment?

 

[Angelaznailz]

Are they confusing it with a 'skin peel' ?

 

[allyballybee]

The are talking about the levels of acid being unconfirmed. Just makes me wonder if I lists all the product I use in the salon, what would happen?

 

[tog]

The are talking about the levels of acid being unconfirmed. Just makes me wonder if I lists all the product I use in the salon, what would happen?

It seems really unreasonable for an insurance company to react like this, when you think what they will insure people for . . . teeth whitening when we are not even dentists, botox in some cases, glycolic acid facial peels and these are only SOME of the treatments I can think of.

Ally, I agree - to be totally covered by our insurers maybe they would like a list of all the products and all the ingredients in those products, etc etc . . . . common sense and a sense of proportion seems to be going out of the window here!

If we are going to eliminate ALL risks in our salons, however small - which seems to be what insurance companies are aiming at - then we will have no need to take out insurance because nothing would ever go wrong and there would never be any claims. That may sound crazy but I'm only taking it to it's logical conclusion. Then insurance companies will put themselves out of business if you think about it.

Besides, if there were numerous insurance claims from beauty salons, why are our insurance premiums on the whole fairly cheap?

 

[missfemale]

the acid ph isnt that high in it is it?

 

[Teebster]

Do they think it involves the use of a blade perhaps, as in your cutting away callus?

 

[kimi1101]

off on a tangent but AXA refused to cover me for spray tan as its carcenogenic. sent an msds etc etc and they still point blank refused. my insurance broker actually had it out with me on the phone cos he wanted to know why its recommended the client and therapist wear a mask whilst tanning (like you are gonna breathe in cancer?!)

 

[tog]

off on a tangent but AXA refused to cover me for spray tan as its carcenogenic. sent an msds etc etc and they still point blank refused. my insurance broker actually had it out with me on the phone cos he wanted to know why its recommended the client and therapist wear a mask whilst tanning (like you are gonna breathe in cancer?!)

Bloody hell, these insurance companies really want to cover their own a****s don't they? but they're more than happy to take our premiums year in year out. They are nothing more than bookmakers, basing their premiums on statistics and coming up with the odds which is what a bookie does at a racecourse.
If thousands of people were developing a spray-tan related cancer I could understand it. . . but what do they know? b****r all by the sounds of it!!
( sorry to rant but had a couple of glasses of wine )