Critical illness question

Kev2009_2

Hi, Hoping somebody can give me some advice here, i took out critical illness insurance in October 2007, i have recently been diagnosed with cancer and i will be putting a claim in for this to the insurance company. I was reviewing my critical illness policy and noticed it said 'Within the last 5 years have you suffered from or recieved treatment for any of the following', one of them said "Have you recieved treatment or advice for any of the following 'Anxiety, depression or any other mental illness', i orgininally in Oct 2007 said no to this.
I did recieve some beta blockers from the doctor in 2002 for anxiety but was ok by early 2003, my question is do you think they will try to get out of paying because of this?, if my maths are correct then the time from say January 2003 when i recieved my last lot of beta blockers to October 2007 is 4 years 10 months, 2 months off the 5 years they asked for, i honestly thought it had been more than 5 years when i was answering the questions on the phone, everything else is spot on, i only noticed this when trawling through my insurance before making a claim. What should i expect?, i have a feeling they will decline it because of this 'non-disclosure'
Any advice is appreciated

Many Thanks

Kev

dunstonh

do you think they will try to get out of paying because of this?,

The FOS has a process for dealing with complaints about non-disclosure and this is how you expect an insurance company to act (as that is how the FOS would expect it in the event of a complaint)

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/27/27-ins-nondisclosure.htm

pedro123456

Kev bet your bottom dollar they will try to get out of paying, thats why they are making milloins every year.

As soon as your claim hits their office floor they will do in their power legal or not to avoid paying you.

Pete

dunstonh

Kev bet your bottom dollar they will try to get out of paying, thats why they are making milloins every year.

Yet current stats show that most pay out in over 90% of claims made.

When you look at the what the OP is claiming for its almost certain that he doesnt have a case from the way he has worded it. The policy he is trying to claim under doesnt cover him for the condition he has. If you have a car accident then you dont claim off your household policy to get your car fixed.

Kev2009_2

dunstonh wrote: »

Yet current stats show that most pay out in over 90% of claims made.

When you look at the what the OP is claiming for

Is the OP me?, if so my critical illness policy states i am covered for the type of cancer i have got, i just wondered whether they would use the fact i claimed i had not suffered anxiety in the last 5 years (when it was in fact 4 years 10 months) as a means not to pay out, from what i can tell it may go down as inadvertant non disclosure, i guess i'll find out soon enough, fingers crossed
Cheers for the info dunstonh

pedro123456

Dunstonh.......sorry mate but I cant agree with you.

They pay out 90% and STILL make millions a year........now either the product they are selling is over priced and or 90% is a tad over the top.

My point is this......Kev has been diagnised as having cancer, the insurance company are now lineing up for non disclosure by asking about Anxiety / Depression.....

What's Anxiety / Depression got to do with the price of fish?

Depression isn't linked to his diagnosis..........Insurance comps are just a set of bandits.......they are un answerable to anyone........including the toothless Ombudsman.

pedro123456

I may be wrong but it is my thought that joint agreements with the BMA and ABI regarding past medical history should be 'only relevant' disclosure provided by the GP, Doc etc,

But the Insurance companies still write and ask for the FULL MEDICAL history from the GP and he just sends it.

So if im correct .they shouldn,t ask for full medical records, the GP shouldn't supply full medical records (only relevent), but the do ask and he does just send them.

How many DR's know there is a joint agreement with their governing medical body and the ABI (insurance body).......not many i suspect.

Pete...........good luck Kev

dunstonh

They pay out 90% and STILL make millions a year

So what if they make millions a year. They also make losses in a number of areas and some years the figures vary. Businesses are there to make a profit. They are not charities.

My point is this......Kev has been diagnised as having cancer, the insurance company are now lineing up for non disclosure by asking about Anxiety / Depression.....

Kev has not said anything about the insurance company lining up for non-disclosure. He is concerned as he is aware he didnt disclose something that he should have and is wondering what they will do.

What's Anxiety / Depression got to do with the price of fish?

Depression isn't linked to his diagnosis

It may not have a direct link but it can impact if the insurance company would not have accepted cover in the first place or the premiums would have been higher in the first place.

Insurance comps are just a set of bandits

Some people think that. They tend to think differently when they get paid out and it saves them financially.

they are un answerable to anyoneincluding the toothless Ombudsman.

The FOS tend to be slightly consumer biased if anything although generally fair. They do not exist to side with the consumer everytime regardless. Given that 8 out 10 consumers would quite happily defraud an insurance company and even this week we have seen insurance fraud has risen again, I think its daft to accuse the insurance companies of being bandits. No-one or no business is perfect and some may try it on more than others but there is litlte point making silly comments about insurance companies when there is no reason to. (and as any IFA or broker will tell you, insurance companies can be a right pain at times but thats more often down to individual servicing and mistakes rather than outright fraud as you claim).

pedro123456

One last thing Kev on your claim form it will ask if you want to see what the doctor has put.

It may well be worth having a chat with your GP before hand.

pedro123456

Fraud never clained that my friend.........bandits may sound a little to you..but I used the most appropriate desciption for me............

As for charities....no they are not....I'll agree with that.
Neither was !!!!!! Turpin.

And yes you are correct again "Kev has not said anything about the insurance company lining up for non-disclosure."............that was me..........and they will as sure as eggs are eggs.

Pete

Kev2009_2

pedro123456 wrote: »

Pete...........good luck Kev

Thanks mate, its just annoying i missed it before otherwise i would have phoned up and sorted it, will see what they say when i send in the paperwork , you never know!

Cheers