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The failure to reveal information, especially medical information, is common believe that an insurance provider will reject your claim on a life or critical illness policy. That may help underline some issues, we desire to understand an honest story - but we've concealed the policyholders' name while some other aspects to preserve anonymity.

Mrs A was fighting a second infection following surgery to take cancerous lymph nodes within her groin when she received further not so great. Her critical illness insurer was refusing to pay out the L200,000 she was expecting. Discover why too as the issues involved it's employed to discover how the events unfolded.

o In June 2001, Mrs A visited her GP after discovering an area of flaky skin on the back. Mrs An example it would be eczema. After a brief consultation, her GP considered that it should be looked and recommended a referral to this dermatologist. But soon afterwards the flaky skin healed and Mrs A cancelled the appointment because of the dermatologist. Apparently her GP failed to express any major concern and some years later admitted that Mrs AP was in all likelihood blind to the urgency that belong to the referral.

o Nine weeks later a sales team from Standard Life made routine day at Mrs A at her home. As Mrs A was now alone and a young family, the representative reviewed Mrs A's life insurance quotes cover and suggested they should have a nice L200,000 Critical Illness policy. Mrs An example that sounded is sensible and willingly agreed immediately.

The maid of honor produced a significant and went through the it, question by question, writing down Mrs A's answers for her. If it identified the issue asking Mrs A to disclose all occasions her GP had recommended referrals for tests or treatments, Mrs A asked the rep what Standard was prompting. Mrs A alleges the fact representative replied that Standard only needed data appointments that in relation to serious conditions. Mrs A in order to feel as if her referral for the purpose she thought were found to be eczema, fell into that category - so she wouldn't mention it. She then signed swimming pool is important honestly believing that they had disclosed everything Standard Life had required.

Standard subsequently accepted her application and issued the L200,000 Critical Illness Auto insurance policy.

o 2 years later Mrs A is discovered to purchase skin cancer. Major surgery rapidly followed to eradicate the cancer. As her critical illness policy included cover her cancer, Mrs A then made what she thought is a valid claim.

o Standard Life subsequently rejected her claim on such basis as "reckless non-disclosure" - the insurers' jargon for Mrs A's failure to reveal her cancelled appointment every one of the dermatologist.

The events to come revealed that Mrs A's application will probably have included her referral regarding the dermatologist. Why then didn't she disclose know-how?

It seems that two aspects conspired to create the scenario: Standard Life's sales team told Mrs A if the question from the application form asking for "all occasions her GP had referred her for tests or treatments" as only on the topic of serious conditions. That interpretation was fundamentally wrong. The issue applied for ALL OCCASIONS. These questions are worded carefully you simply provide means ALL - it's not really asking the applicant produce personal judgement whether or not the grounds for any of the referral were serious this is. The representative was clearly wrong.
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Secondly, the GP never did apparently convey to Mrs A the possibility seriousness of her flaky skin and her referral the dermatologist. If, if ever the insurance application was being completed, Mrs A was unaware that her condition was potentially serious but the representative said the referral question only with serious conditions, Mrs A can't be held a major contributor to not disclosing that information.
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As we see it, is without a doubt the cornerstone in the information accessible to us, Mrs A hasn't been responsible. Standard Life's representative made the vital error. He gave incorrect thoughts on the question the hub belonging to the dispute, was trying to find. In our view Standard Life should fork out.
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