Key emphasis on non-disclosure

The effects of non-disclosure on critical illness applications were hammered home to delegates at the COVER Protection Forum in a seminar session hosted by Adam Proctor, claims manager at Scottish Equitable Protect. Proctor told delegates that non-disclosure does not just mean the policy will be invalid at the point of claim, but that it constitutes as fraud in the eyes of the law. Even if non-disclosure does not relate to the condition the policyholder is claiming on, Proctor said the claim would still be rejected as it is a breach of contract. With the cost of GP reports going up, P...