Chief Points About Critical Illness Cover
The chief financial regulator expressed its concern a few years ago that thousands of policyholders did not know what their policies covered nor how they. Those fears still remain true.
The Financial Services Authority said that research showed that providers, including financial advisers, supermarkets, insurers and banks often made no effort to find out if the cover was appropriate and little explanation was given to customers of how policies work. While most firms were working to adhere to higher standards, others carried on offering a poor service.
In the event that heart disease, cancer or other specified life-threatening illnesses strike critical illness cover pays out a lump sum. Often, it is people who are concerned about paying off loans or mortgages if they should be unable to continue working, who buy these policies.
There are two kinds: those with a guaranteed fixed premium each month and those where the monthly payments increase over time. Figures from the Association of British Insurers (ABI) suggest that, in total, there are in excess of 5m policies covering 12m people. An average policy will pay out £67,000.
These “protection” policies have proved controversial. While they might be beneficial, these “protection” policies have proved controversial and critics allege that not many people make claims. There is no data available on the number of claims made vis-à-vis the total premiums paid. The FSA review did reveal, however, that on average, 25 per cent of the claims made are refused.
In one case recently, a policyholder was diagnosed with cancer but medical teams could not specify which one. The claimant was informed it was unlikely doctors would know for certain until he was dead.
Until a diagnosis was available, his Critical Illness Insurance company would not pay out. The claimant’s family appealed realising that should he die, the company would pay out a life insurance policy worth 15,000 pounds rather than the critical illness policy which was worth more than 80,000 pounds. Only one policy can pay out. The argument with the provider caused added stress to the claimant. After a public fight, the insurer gave in and paid out on the policy for critical illness.
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