Life Insurance - Question wording

tasticz

So, my mother was referred to a consultant back in May 2018. She has been to see the specialist 4 times so far.

Last clinic appointment was on October 2019 and the letter says "I have given a follow up appointment and will be discharging if symptoms improve." She has not received any letter since.

Anyways, the life insurance question as follows:

Are you waiting to see a specialist, or to have any tests or investigations by your GP or a hospital doctor, or to get the results of any tests or investigations? 

• Waiting to see a specialist
• Waiting for tests or investigations
• Waiting for results
• No

Which answer is correct?

[Deleted User]

 Did she have a follow up? Or still waiting? 

tasticz

_shel said:

 Did she have a follow up? Or still waiting? 

She had:

Appt1 : May 2018
Appt2: Oct 2018
Appt3: Dec 2018
Appt4: Oct 2019... letter following clinic appointment says further follow up appointment given but will discharge if symptoms improving... we have not recieved or heard anything... possibly due to covid 19?

What do you think

davidmcn

Has whatever she was consulting them for otherwise been disclosed? Sounds to me like she's still waiting to see a specialist for (maybe) the final appointment.

tasticz

davidmcn said:

Has whatever she was consulting them for otherwise been disclosed? Sounds to me like she's still waiting to see a specialist for (maybe) the final appointment.

She has been visiting the gastroenterology department. Her diagnosis has been confirmed as Dyspepsia from first visit

davidmcn

tasticz said:

davidmcn said:

Has whatever she was consulting them for otherwise been disclosed? Sounds to me like she's still waiting to see a specialist for (maybe) the final appointment.

She has been visiting the gastroenterology department. Her diagnosis has been confirmed as Dyspepsia from first visit

Safer just to disclose it.

Weighty1

If she does disclose it there's a good chance that any application will postpone.  It's one of the nuances of online application systems, in that you can't always disclose what you want. 
Personally, if your mum was a client of mine I'd tell her to call the hospital and ask if an appointment is still due.  I'd expect they'd fairly quickly be able to ascertain if one is or isn't.  If one is your mum is likely going to need to wait until she's been seen, UNLESS, is it just a standard review (but it doesn't sound like it is)

EDIT: I meant to add, if you wanted to disclose it but avoid cover automatically being postponed then you could add the extra information to the application summary that is normally posted out.  Provided a confirmed diagnosis of acid reflux is recorded and the follow up is purely to check that your mums symptoms have resolved then an underwriter manually looking at it may just allow it to go through unaffected.

tasticz

Weighty1 said:

If she does disclose it there's a good chance that any application will postpone.  It's one of the nuances of online application systems, in that you can't always disclose what you want. 
Personally, if your mum was a client of mine I'd tell her to call the hospital and ask if an appointment is still due.  I'd expect they'd fairly quickly be able to ascertain if one is or isn't.  If one is your mum is likely going to need to wait until she's been seen, UNLESS, is it just a standard review (but it doesn't sound like it is)

EDIT: I meant to add, if you wanted to disclose it but avoid cover automatically being postponed then you could add the extra information to the application summary that is normally posted out.  Provided a confirmed diagnosis of acid reflux is recorded and the follow up is purely to check that your mums symptoms have resolved then an underwriter manually looking at it may just allow it to go through unaffected.

You're correct. Ran through the application with slightly different name and DOB. L&G won't provide cover until discharged. They won't even refer to their underwriter. Just computer says 'no.' Guess need to wait until then

coachman12

MUST disclose ( adding all the relevant details and history and condition on separate attachment) and see if they go ahead after consulting your Mum's GP or consultant or ask her to wait till final result of the whole consultation procedure. tasticz,you may be surprised----different companies do different things but ALL of them want the FULL story and to look into themselves with your Mum's doctors as they see  fit. Hope Mum gets the all-clear, stays well and that all works out on the insurance front. Cheers.

Weighty1

coachman12 said:

MUST disclose ( adding all the relevant details and history and condition on separate attachment) and see if they go ahead after consulting your Mum's GP or consultant or ask her to wait till final result of the whole consultation procedure. tasticz,you may be surprised----different companies do different things but ALL of them want the FULL story and to look into themselves with your Mum's doctors as they see  fit. Hope Mum gets the all-clear, stays well and that all works out on the insurance front. Cheers.

This is totally NOT true.  You are obliged to only answer the questions as they are presented.  If a company doesn't ask about something then you don't need to disclose it.  The days of "uberrima fides" governing what does and does not need disclosing are long gone.  It is now the requirement of the insurance company to ask clear and non-ambiguous questions.  A lay person applying to an insurance company is not expected to know what should or shouldn't be disclose.  They are only expected to answer the questions honestly as presented to them.

tasticz

Weighty1 said:

coachman12 said:

MUST disclose ( adding all the relevant details and history and condition on separate attachment) and see if they go ahead after consulting your Mum's GP or consultant or ask her to wait till final result of the whole consultation procedure. tasticz,you may be surprised----different companies do different things but ALL of them want the FULL story and to look into themselves with your Mum's doctors as they see  fit. Hope Mum gets the all-clear, stays well and that all works out on the insurance front. Cheers.

This is totally NOT true.  You are obliged to only answer the questions as they are presented.  If a company doesn't ask about something then you don't need to disclose it.  The day of "uberrima fides" governing what does and does not need disclosing at long gone.  It is now the requirement o the insurance company to ask clear and non-ambiguous questions.  A lay person applying to an insurance company is not expected to know what should or shouldn't be disclose.  They are only expected to answer the questions honestly as presented to them.

so whats the verdict in regards to above q