| Critical illness insurance is designed to
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| | is quite common. Most cases don't even
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| pay out a lump sum if you are unfortunate
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| | need treatment and clear up, never to
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| enough to be diagnosed with one of a list
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| | return. Years later you may decide to
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| of medical conditions specified in the
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| | take out some critical illness cover. Do
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| policy documents.
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| | you even remember the pregnancy problems,
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| There is a wide variation in the length
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| | let alone imagine they could make a
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| of the lists, some covering as few as
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| | difference to an unrelated illness? Yet
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| eight illnesses and one a staggering 140,
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| | this failure to disclose could be the
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| but this is a slightly different version,
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| | reason for an insurer refusing to pay out
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| which pays various sums, according to the
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| | on a later, unrelated, critical illness.
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| severity of the condition. Heart disease
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| | How many times do you come out of the
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| and cancer head the list on all the
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| | Doctor's surgery clutching some pills,
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| policies. Very few policies will cover
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| | unsure of the actual name the doctor gave
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| illness caused by stress or mental
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| | to the condition for which you're now
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| problems. Back problems are rarely
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| | being treated? It will be there, on your
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| covered either.
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| | records, but years later and with the
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| Whilst some people consider critical
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| | condition long cleared up, who can
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| illness cover essential and enjoy the
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| | honestly say that they remember, and
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| peace of mind being insured offers them,
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| | record, every minor illness.
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| it is interesting to note that a great
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| | In the event of a dispute regarding
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| many claims are turned down. It is
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| | non-disclosure, if the Financial
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| believed that this figure is 20%. The
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| | Ombudsman Service gets involved, they
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| most common reason for this being
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| | will try to establish whether the
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| non-disclosure of a previous illness.
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| | consumer told deliberate lies or whether
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| Insurance companies are quite entitled to
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| | they had omitted details because, for
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| do this and the first thing that will
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| | example, the questions on the proposal
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| happen, in the event of a claim, is that
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| | form were poorly worded.
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| the insurance company will ask for your
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| | One way in which the situation could be
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| full health records. They will go through
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| | improved would be by insurers carrying
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| these very thoroughly and if they find
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| | out more detailed investigations prior to
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| any proof of failure to tell them about a
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| | issuing cover or if they were to agree
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| previous illness or condition, whether or
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| | not to scour medical records if a claim
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| not you consider it to be relevant to the
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| | is made after an agreed and reasonable
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| current condition, they can legally
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| | period.
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| refuse to pay out on the claim. The law
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| | If you're considering taking out
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| states, quite clearly, that if a customer
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| | critical illness insurance, it is
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| has failed to disclose information sought
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| | obviously very important to read the
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| by the insurer, the provider is entitled
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| | policy very carefully and make sure you
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| to scrap the cover.
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| | tell the truth, the whole truth and
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| What this means, in effect, is that if
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| | nothing but the truth. Only make the
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| you fail to tell the insurers, at the
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| | final decision to go ahead when you're
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| time of making the application for
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| | sure you're totally confident regarding
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| critical illness cover, of even minor
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| | your choice of insurer.
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| ailments, then the whole policy will not
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| | An on-line broker will be able to offer
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| be worth the paper it's written on.
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| | you a choice of policies and lots of
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| This appears to be an impossible
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| | advice. There are some special internet
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| situation. Minor illnesses, long
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| | discounts, too.
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| forgotten, may come back to haunt you.
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| | Critical illness,critical illness
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| For the Mums' out there - can you
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| | insurance cover Critical illness
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| remember the "oddities" of your
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| | safeguard can protect your family. Visit
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| pregnancy? Your blood pressure may have
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| | this site for information on critical
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| been raised; you may have suffered the
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| | illness policies and life insurance
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| usual morning sickness, backache and what
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| | cover.
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| is known as "gestational diabetes". This
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| |
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