Norwich Union
…have reviewed the
content.
…do not see any
reference to pre-existing conditions.
…possible that angina
may be corrected by angioplasty…also have a condition for coronary artery
bypass. This may be necessary later after angioplasty. If no claim had been
made on angioplasty, or even if it had, would the fact that this procedure had
been carried out be used to reject a claim for coronary artery bypass since a
cardiovascular condition is known. A pre-existing condition.
…Benign Brain
Tumour…such a condition is unknown, but becomes known after an MRI scan…and is
proof of its existence, is the claim valid although by the nature of a benign
tumour it may be considered mature and therefore argued it should have been
evident some years earlier? Some form of symptom could be used to demonstrate
the existence of an earlier unknown tumour. Consequently such a claim may fail.
…Loss of Limbs as a
specific Permanent and Total Disability…any occupation clause…dismemberment may
be as a result of an accident…rather than amputation due to circulation
problems. If both legs had been amputated, one above the knee joint, would a
claim fail because a desk job from a wheelchair is possible?
…Loss of Hearing…no
reference to hazardous pursuits, like boxing, but only dangerous activities
like aviation but not as a passenger in a registered airline. Could this
benefit be removed so a claim cannot be made against it in the event of partial
deafness, say, in one ear only, possibly as a consequence of such hazardous
pursuit? Maybe it might be assumed to occur through such activities. There may
be other reasons.
…the full definition of
each of the conditions covered are as they appear in the actual policy document
and that these definitions provide the detailed basis upon which claims will be
considered. This appears to explicitly state there will be no undisclosed extra
detailed conditions that must be fulfilled. When a claim is made do more
questions get asked that are not defined in the condition?