Critical illness: Why upgrading now could save future heartache

Newspapers recently highlighted the case of Hein Pretorius who suffered severance of a leg due to a motorcycle accident and, despite having critical illness cover, was denied a payout by both Bright Grey and Legal & General. The policies were arranged some years back and used a historic claim definition that required loss of two limbs - only Forester and NFU Mutual persevere with this wording. The Financial Ombudsman Service (FOS) rejected his complaints because the insurers were correct in that his condition did not mirror the requirements within the policy wordings. Pretorius is ...