I am currently a serving soldier (awaiting my medical discharge date from Glasgow) and am seriously disabled as the result of an accident in 2008. Whilst in Headley Court, an independent financial adviser told me I had a valid and strong claim for PAX, something I hadn't even considered. To cut long story short, I submitted my claim with all the evidence needed. PAX is actually Chartis Insurance UK Ltd and they initially told me that because I was paralysed, I would have to wait about a year to make sure I didn't miraculously get better. My doctor told them that that was not going to happen and the claim process went through it's slow process. Chartis really procrastinated, saying that MOD wasn't sending any medical notes, etc. Eventually I had a letter saying that they weren't paying the claim as I didn't really have an accident. Stunned at first, I sent them evidence that other various bodies considered it an accident (AFCS results, doctors notes etc). They went quiet for about 2 months and then sent a final letter saying that it still wasn't an accident and they weren't going to pay a penny. I contacted the Insurance Ombudsman and asked what was the maximum amount they could enforce should they find in my favour. They told me that the most they could make Chartis pay is £100,000. I am on tier 15 in PAX and according to their payout sheet, I would be entitled to £225,000 (lowest) to £400,000 (highest), due to the nature of my injuries. By forcing me to go to the Ombudsman, they have practically guaranteed that they will save over £100,000 in compensation, and that's only IF they find in my favour. In short, because I don't have any missing limbs or significant deformity (spinal cord is messed up), they have managed to deny my claim knowing that they could save money even if I won through the only means of redress I have. Although I am stoned most of the time (lots of morphine to control my pain), even I can see how obvious this is and I am furious because I am impotent to do anything. Does anyone have any suggestions on what I can do? I wish there was some way I could advise those serving and spending £60 a month on PAX to save their money and find a more reputable insurance company because unless they lose limbs, I fear the same will happen to them. My wife is livid with rage and wants to contact the press, but I have told her I doubt they would be interested and as a soldier, I cannot talk to the press anyway. She just wants to lash out and I can't blame her. Obviously, my case is with the ombudsman now, but I am inquiring is there any other course of action I can take? Sorry if I have posted this in the wrong area.