13/09/2026
My Bad Experience with Hollard Insurance Company
By David Yung Seleti
A few months ago, I lost my father due to complications related to high blood pressure. He suffered seizures, which unfortunately led to a blood vessel rupturing.
Three months prior to my dad’s death, I insured him with Hollard Insurance Company. You know, as a man with employment, I believe it is part of our responsibility to put our parents and siblings on an insurance policy. It can either be life or funeral insurance because we never plan for adversities to happen, but unfortunately, they are inevitable.
So, I decided to insure my father because I loved their manifesto and the way their policy was presented.
Fast-forward to after his death, I went to their headquarters near Arcades Shopping Mall to report my bereavement and request the funeral benefit from the insurance policy.
The first time I went there, I was told that they needed to confirm whether my dad’s death was accidental or not. They insisted that I present the cause-of-death document from the hospital, legally signed by the doctor, to confirm the cause of his death.
I did exactly that and returned the following day.
As a man with a plan, I had high hopes that this money would be released and would help me cover some of the funeral expenses. But guess what? The money was not released.
I was told that, according to their Terms and Conditions, the policy does not cover anyone with certain chronic conditions, including high or low blood pressure, HIV, cancer, diabetes, sickle cell disease, just to mention a few.
I refer to these as “invisible Terms and Conditions” because, from my understanding and experience, these exclusions were not clearly communicated to me when I took out the policy.
Honestly, this really broke me down because I had nowhere else to get that amount of money from. I tried pleading with them and explaining my situation, but I felt like my concerns were simply brushed off.
On top of that, I have still not received a refund for the premiums that were deducted from me during the months I was paying for the policy.
I am sharing this experience because I hope it reaches the relevant people at Hollard and that they can look into my case.
More importantly, I hope someone can learn from my experience. Before taking out any insurance policy, make sure you fully understand what is covered, what is excluded, and all the Terms and Conditions—even the fine print.
This is my personal experience, and I hope it can help someone else avoid going through the same situation.
