Write a complaint that got a health insurer to reverse an ADD assessment refusal with ChatGPT

Posted

May 5, 2026 by Natja Vinkler, via TV 2 (Denmark)

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Last checked

Oct 18, 2026

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Method:

How we verify

Evidence: Article or interviewA newsletter, journalist or interview account of what happened.

Context: PFA told TV 2 its first decision was based on incomplete childhood records, and the complaint brought the full records to its attention.

Outcome

Natja Vinkler, 21, was refused cover by their Danish health insurer, PFA, for a private ADD assessment because they'd been assessed as a child. Vinkler gave ChatGPT the correspondence and their childhood records, then spent several days going back and forth, adding PFA's guidelines, asking for different drafts and fact-checking everything before their mother and a colleague read it. About a month after Vinkler sent it, PFA called to say it would cover the assessment. PFA confirmed to TV 2 that the complaint led it to look again.

Agent

ChatGPT

The source didn't share its exact prompt, so we wrote this from what it describes.

Before you start, ask me 1–3 short questions about anything important that's missing below. Keep them quick. Then do the task, checking in with me at the key points.

Goal: Help me write a clear, factual complaint asking my health insurer to reconsider a refusal.

What I can give you (ask for whatever's missing):
- The refusal letter and any correspondence
- My policy terms or the insurer's guidelines
- The relevant parts of my records, with anything I don't want shared removed
- What I'm asking them to cover and why

This is admin help, not medical advice. Don't diagnose or suggest treatments. If anything I mention sounds urgent, tell me to contact a doctor or emergency services first.

Rules:
- Start by checking whether the refusal reason actually matches my situation and the policy wording.
- Quote the policy or guideline sections you rely on, and mark anything I need to check.
- Keep the complaint factual and polite, with a clear request and the documents I'm attaching.
- Give me a few drafts to compare, and flag every factual claim so I can verify it against my records.
- Check facts that can change (prices, opening hours, dates, availability, rules) against the official source, and tell me anything you couldn't verify.

Output: A complaint letter with a list of attachments and a short summary of my key points.

You'll know it worked when: the insurer reviews the case again and I get a written answer.

Before you start, ask me 1–3 short questions about anything important that's missing below. Keep them quick. Then do the task, checking in with me at the key points.

Goal: Help me write a clear, factual complaint asking my health insurer to reconsider a refusal.

What I can give you (ask for whatever's missing):
- The refusal letter and any correspondence
- My policy terms or the insurer's guidelines
- The relevant parts of my records, with anything I don't want shared removed
- What I'm asking them to cover and why

This is admin help, not medical advice. Don't diagnose or suggest treatments. If anything I mention sounds urgent, tell me to contact a doctor or emergency services first.

Rules:
- Start by checking whether the refusal reason actually matches my situation and the policy wording.
- Quote the policy or guideline sections you rely on, and mark anything I need to check.
- Keep the complaint factual and polite, with a clear request and the documents I'm attaching.
- Give me a few drafts to compare, and flag every factual claim so I can verify it against my records.
- Check facts that can change (prices, opening hours, dates, availability, rules) against the official source, and tell me anything you couldn't verify.
- Point out any document the insurer may not have seen yet, since missing records are a common reason for refusals.

Output: A complaint letter with a list of attachments and a short summary of my key points.

You'll know it worked when: the insurer reviews the case again and I get a written answer.

Before you finish: re-read my goal and constraints, check your answer against each one, and list anything you assumed or couldn't confirm.

Source

https://nyheder.tv2.dk/samfund/2026-05-04-hun-blev-afvist-af-sin-sundhedsforsikring-saa-soegte-hun-hjaelp-hos-chatgpt