Child critical illness claim

Aretnap

davidmcn said:

TELLIT01 said:

Gjw01 said:

We both have the same policy (decreasing life with critical care i think) under our individual names. 

I found the bottom line relevant from the policy booklet.

The potentially ambiguous part is "Only one claim per relevant child".  Does that mean the policy holder can only make one claim per relevant child or that only one claim in total, no matter how many people hold policies.

It's "only one claim per relevant child...under this policy". I would read that as prohibiting further claims (under that policy) if a child suffers more than one diagnosis which would trigger the payment, not that there can only be one claim for the child under every policy which might exist.

Indeed, it's standard for critical illness policies to pay out only once - if you have a heart attack and it pays out, you don't get a second payment if you have a stroke, or another heart attack, some time in the future. This clause merely applies the same rule to claims for a child - it has nothing to do with payouts under other policies.