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The failure to reveal information, especially medical information, is definitely the most common good reason some insurance company will reject your claim more than a life or critical illness policy. That can assist underline some issues, we would like to advise you an honest story - but we've concealed the policyholders' name but some other aspects to preserve anonymity.

Mrs A was fighting a 2nd infection following surgery to clear cancerous lymph nodes in their groin when she received further bad news. Her critical illness insurer was refusing to spend the L200,000 she was expecting. Discover why plus issues involved it's helpful to realize how the events unfolded.

o In June 2001, Mrs A visited her GP after discovering a patch of flaky skin to become with her back. Mrs An understanding previously eczema. By carrying out a brief consultation, her GP considered that it has to be looked and recommended a referral with dermatologist. But soon afterwards the flaky skin healed and Mrs A cancelled the appointment applying dermatologist. Apparently her GP will not express any major concern as well as having years later admitted that Mrs AP was at all likelihood unacquainted with the urgency of referral.

o Nine weeks later a worker from Standard Life designed a routine holiday to Mrs A at her home. As Mrs A was now alone by using a young family, the representative reviewed Mrs A's term life insurance cover and suggested that he also must get a L200,000 Critical Illness policy. Mrs A notion that sounded makes sense and willingly agreed there and then.

The sales rep produced the shape and undergo it, question by question, listing Mrs A's answers due to her. Because the achieved the question asking Mrs A to disclose all occasions her GP had recommended referrals for tests or treatments, Mrs A asked the sales rep what Standard was trying to find. Mrs A alleges that your chosen representative replied that Standard only needed details appointments that related to serious conditions. Mrs A could not have faith that her referral for the purpose she thought got eczema, fell into that category - so she did not bring it up. She then signed the shape honestly believing that she had disclosed everything Standard Life had required.

Standard subsequently accepted her application and issued the L200,000 Critical Illness Insurance packages.

o Two years time later Mrs A is discovered unique melanoma. Major surgery rapidly followed to be able to the cancer. As her critical illness policy included cover her cancer, Mrs A then made what she thought would be a valid claim.

o Standard Life subsequently rejected her claim by "reckless non-disclosure" - the insurers' jargon for Mrs A's failure to disclose her cancelled appointment to the dermatologist.

The events that followed revealed that Mrs A's application are entitled to included her referral in direction of dermatologist. Form of didn't she disclose the info?

Evidently two aspects conspired to formulate the condition: Standard Life's sales agent told Mrs A a question on top of the form trying to find "all occasions her GP had referred her for tests or treatments" as only referring to serious conditions. That interpretation was fundamentally wrong. The question made application for ALL OCCASIONS. These questions are worded carefully several means ALL - operate in asking criminal background to build a personal judgement as to if the reasons at the referral were serious or simply not. The representative was clearly wrong.
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Secondly, the GP would not apparently convey to Mrs A the possibility seriousness of her flaky skin and her referral with the dermatologist. If, when a insurance application was being completed, Mrs A was unaware that her condition was potentially serious also representative said the referral question only relating to serious conditions, Mrs A can't be held in charge of not disclosing that information.
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In our opinion, and so on the cause on the information directed at us, Mrs A is just not at fault. Standard Life's representative made the vital error. He gave incorrect guidance on whatever the question in the center that belong to the dispute, was searching for. As we see it Standard Life should settle.
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Always attentively read each question using an insurance application form - and answer the issue FULLY and ACCURATELY. Don't let yourself be lured to be economical for the truth. If you choose omit something they look for, the insurance company can rightfully indicate that you mislead them by omission. Not be lured to omit information in an attempt to be eligible for a less expensive premium. You could get a less costly premium, that's the wrong economy whenever a subsequent claim is rejected.

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