Bright Grey has bemoaned the ambiguity in the critical illness (CI) claims process after revealing a sixth of claims were declined due to the definition not being met last year.
The protection specialist says entirely illegitimate claims can still count among firms' statistics depending on their process. It paid 83% of CI claims between 1 April 2008 and 31 March 2009, but only 1.8% of the declined cases came about as a result of non-disclosure, leaving 15.2% turned down due to the definition not being met. "It's difficult," Bright Grey proposition director Roger Edwards says. "When does a claim become a claim? "We'll have people claiming for Total and Permanent Disability (TPD) on a broken ankle. That counts as a claim. There will always be some [illnesses] t...
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