insurers will suffer further bad press they can sorely afford. Another summons, filed recently in the High Court and again involving Scottish Provident, highlights the problem when an insurer considers that a claimant mislead them on his or her original application form. Our understanding is that if an applicant omits relevant information or provides misleading information on their application from, this amounts to obtaining insurance on false pretences. This summons has been issued on behalf of Thomas Welch from London who is suing Scottish Provident for ú206,800. The issue goes back to 2000 when, a few years after first starting his critical illness policy, Mr Welch received confirmation that he was suffering from testicular cancer. The insurer refused the claim because of ônon-disclosure alleging that Mr Welch had not been honest about his smoking habit. He does admit that he did smoke earlier in his life but is resolute in saying that he had long since given up when he applied for critical illness insurance. As such, Mr Welch believes that he did complete the application honestly. We assume that the case will centre upon whether Mr Welch accurately answered the smoking questions on his application. Most insurers define ôa smokerö as someone who has smoked, or has otherwise used, nicotine products within the previous 5 years. (Some insurance companies adopt a 1year cut off.) If Mr Welch had indeed smoked during the specified years, he would have been obliged to disclose such information on the application and the insurer would have priced his insurance accordingly. In this context, it is relevant to note that smokers are charged as much as 65% more for critical illness over than non-smokers. We anticipate that Mr Welch's lawyers will argue either that he did not smoke during the period in question or he omitted the smoking information by pure oversight and in any event, his past smoking is not irrelevant to his testicular cancer. Interesting issues and we'll let you know the outcome. Mr Hawkins case is fundamentally different. It illustrates the problems that can arise if policy documents imprecisely describe an illness or if the technical diagnosis of an illness provides the scope for medical professionals to disagree. Either way the issues are entirely outside the policyholders control at a distressing time for them and their families and we must appreciate their anguish. The long-term solution must lie in improving the medical definitions within the policy.
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Ricciana Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Ricciana Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Ricciana Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Ricciana Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Ricciana Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Ricciana Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Ricciana Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs.
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