Getting it right

Thankfully the majority of critical illness (CI) claims are paid in full, relieving the financial stress of the victim and allowing them to concentrate on recovering without financial hardship to themselves or their family. However, insurance claims - be it house contents, holiday or pet insurance - regularly get declined. While this is bad news for policyholders, nothing is quite as emotive as CI declinature. For any provider to have to turn down a claim at a time when the family and sufferer are extremely vulnerable is not easy. Moreover, CI claims often amount to far more than standard...