Critical Illness Insurance The Non-Disclosure Problem

If you're in the unfortunate position of having to make a claim on your critical illness insurance policy, the last thing you want is insensitive hassle or apparent non co-operation from your insurer. But according to numerous newspaper articles, that's precisely what's happening. The core problem is that before they'll pay out, the insurer will always want to make exhaustive enquiries about your past health record. Whilst you'll have provided them with lots of similar information when you initially applied for the cover, the insurers will now insist that all the information is rechecked. And if at the time you said you weren't a smoker, they'll now want this verified by your doctor.

The reasons are obvious. They're faced with a big claim, typically way over