Health, Medical or Life Insurance Litigation
Many uk travel insurance claim processes result in a claim being declined for alleged non-disclosure. Often of an unrelated medical symptom or condition. Sadly this old insurers tactic is generally used against widows and the bereaved families of the policyholder. The dispute typically arises at the worst possible time for these families, when their vulnerability is high.
Our members have found that very often the medical history on application forms for insurance cover are completed from the applicants memory. Once a travel insurance claim is actually made though, the insurer has a peculiar insistence on going through the clinical history word by word, letter by letter line by line. These “small print” denials are stock in trade for some Health Insurance companies. These Insurers will attempt to decline or reduce perfectly reasonable claims. What they claim is often allegations of non-disclosure or other breaches of policy conditions or exclusions. Often these technical arguments are either unfounded or misinterpreted deliberately by insurers.
If you have a critical illness claim or fatal accident claim regardless of whether this is a refusal on grounds of innocent, deliberate, or inadvertent non-disclosure, or other policy term contact our members for an assessment of your case. They will fully consider your individual case and advise you whether you have a potential claim. This often involves careful consideration of your Policy and medical history. Surprisingly one in five life and critical illness policies are rejected by Insurance Companies but less than 1 in 1000 are ever challenged. A large number of these rejections are unfair. It can be hard to take on an Insurance “Giant” by yourself, something that our panel members fully understand from first-hand experience.
- Free Chat with a Fully Qualified Panel Medical Solicitor
- Free Advice Session Regarding your Options
- Free Claims Viability Assessment
- No Win No Fee Claims
- Tel 01904-914-989
- Email Info@law-med.co.uk
The Great Medical Insurance Claim Payout!
Some time ago, one of our members was instructed by a young lady who had taken out life insurance on the part of her husband. About 8 years later he, tragically died after a fatal heart attack. The insurance company indicated that he had high blood pressure and periodontal disease and therefore (both were on the form and ticked no at the time of taking out the insurance) there could be no payment.
We looked carefully at this and neither condition was diagnosed at the time of taking out the policy. There was however, some overlap with the hypertension however, the evidence that this was causative of the condition that proved fatal was not conclusive, there was in fact a good degree of control exhibited and there was no indication that the two matters were in fact related. In fact the Insurers had reviewed the policy and inspected the notes several renewals had in fact taken place and we believed it was reasonable in the circumstances to demonstrate that efforts had been made to update the insurers.
- Financial Ombudsman Medical Insurance Pages
- Money Advice Service – Making an Insurance Claim
- BBC Insurance Blog Pages
The Law Med Medical Panel is an unincorporated association its members are clinical negligence accredited specialists.
Get In Touch
- Tel 01904-914-989
Blake House, York, YO1 8QG