- Online services
- Supporting you
- Supporting your client
- Knowledge Centre
- Document Library
Jane* applied for Personal Sick Policy with a 4 week deferred period. On her application she told us she had hearing difficulties in one ear and so we applied an exclusion to her cover relating to this.
We were contacted in April 2020 as she’d been unable to work since February due to an issue she was having with her knee.
After obtaining the medical records, the evidence found showed that the issue with her knee predated her policy and she'd been having treatment when she applied for the policy. This was classed as a case of misrepresentation and had we known of these issues this would have affected the terms of the policy.
*This is a real claim example from 2020. The name has been changed to protect the identity of our customers.