Critical Illness Cover

ER1607

I would be very grateful if someone could point me to information regarding critical illness cover. It has been included on our endownment policy against my partner's details however I can't remember requesting any additional cover regarding his condition.
Thank-you

[Deleted User]

ER1607 wrote: »

I would be very grateful if someone could point me to information regarding critical illness cover.

If you require information regarding what your individual policy covers then you should refer to your policy documents. If you want to know if it was somehow mis-sold then you need to have a far more robust complaint reason than simply not remembering requesting additional cover. Certainly Critical Illness will not usually cover an existing condition...

dunstonh

I would be very grateful if someone could point me to information regarding critical illness cover.

There is no information. It is not a product of concern.

It has been included on our endownment policy against my partner's details however I can't remember requesting any additional cover regarding his condition.

Your memory is not grounds for complaint. Endowment policies were issued with a point of sale illustration confirming the benefits applied for. This was followed up by another one being posted to you with the cancellation rights and finally, once in force, confirmed on the policy document.

An excellent audit trail of documentation confirming what was applied for and what you have. Depending on when it was bought they could also be a suitability report or reasons why letter which details the inclusion.

ER1607

To clarify, I know we didn't request critical illness cover. We declared my partner's condition on the application form and an additional cost was added to our monthly premium. His condition pre-dated the endowment application therefore can I assume based on your previous reply that any possible claim would be refused because "Critical Illness will not usually cover an existing condition" Does this indicate that we have been paying this additional charge for no reason at all?
Thank-you

[Deleted User]

ER1607 wrote: »

Does this indicate that we have been paying this additional charge for no reason at all?

Not at all.

As I said earlier, if you require information regarding what your individual policy covers then you should refer to your policy documents.

You only have a case for mis-selling if your partner is still not covered despite you divulging the condition at the outset and paying an additional premium accordingly.

Critical Illness insurance is not PPI, it's not widely mis-sold and you'll need a robust (and verifiable) complaint if you are hoping for a refund

dunstonh

We declared my partner's condition on the application form and an additional cost was added to our monthly premium. His condition pre-dated the endowment application therefore can I assume based on your previous reply that any possible claim would be refused because "Critical Illness will not usually cover an existing condition"

CIC is medically underwritten at point of sale. You disclosed the medical conditions and they accepted cover knowing these and increased the premium to compensate.

Does this indicate that we have been paying this additional charge for no reason at all?

No. It means they were happy to offer cover albeit at an increased cost for the increased risk.

Nearlyold

You'd think folks with a pre existing condition would be pleased the insurer was prepared to offer cover (albeit at a higher premium) rather than scratching around to try and find reasons why it must have been miss-sold to them.

ER1607

Thank-you Nearlyold

It is my understanding that "folks with a pre existing condition" or otherwise are entitled to ask a question on this forum. I can't see where your reply adds any value to the responses already received.

dunstonh

It is my understanding that "folks with a pre existing condition" or otherwise are entitled to ask a question on this forum.

You can ask whatever you like on this forum. However, pre-existing conditions are not an issue with CIC policies. They are underwritten at point of sale. You are mixing it up with insurance policies that are underwritten at point of claim (Such as travel insurance or PPI)