Viewpoint

Market viewsRoger Edwards, Bright GreyMy initial reaction to a question like this is always to think about what is right for the customer. At a high level, it seems logical to "upgrade" existing policies to include extra illnesses - especially if the new ones are rare conditions where the added risk cost is low. But this may set the wrong precedent if, at a later date, the provider adds in a new condition where the risk cost is very high - perhaps a newly identified and serious illness, like HIV was in the 1980s. Or if the provider wants to increase the level of critical illness (CI) cover....