PIA
Éclarification
of your position with regard to a distinction between a straight endowment policy
and a policy that is essentially an endowment with an attached insurance
(critical illness) element.
Édisavow
or not responsibility for regulation of such a combination product?
Émay
have broad implications. If you do not regulate such a product then who does?
ABI
Éregard
to any responsibility you may have for the regulation of a critical illness
insurance attachment to an endowment policy under your Code of Practice.
Éessentially
worthless in that any part of the attached insurance is just about impossible
to effect a successful claim.
ÉLords
debated and concluded that a diagnosis MUST predate the definition of a
pre-existing condition.
Éan
unknown condition can be excluded from cover after it becomes known (Abbey
Life)Éthe possibility alone
of the existence at an earlier time of an unknown
and undiagnosed condition
is sufficient ground to refuse admission of a claimÉ
Éobservations
will remain non-attributable until after
a diagnosis. Indications are just that. An indication of something until a
diagnosis makes it possible to unequivocally assign an indication as a real
symptom to a recognised condition.
ÉÒassociated
symptomsÓ is sufficient description (Abbey Life) to fully
describe such indications to predate the condition to a suitable time.
Éno
diagnosis: no pre-existing condition can applyÉthe claim was refusedÉmedical
history gives access to all symptoms, allegedly
attributable or otherwiseÉan undiagnosed condition cannot have symptoms unless in
hindsight.
Éusing
the certainty of a future diagnosis of
an unknown condition to justify claim
rejectionÉethic is perverse and dangerous.
Érequest
your position on this situationÉimplications of this arrangement are far reaching
and need serious public discussion.
Abbey
Life
á
What are associated symptoms? Define them.
á
How was the pre-existing condition a
certainty by October 1995 (actual diagnosis November 1996)?
á
Who made the recommendation to reject my
claim and how is/was that person medically qualified to do so?
ÉLords concluded a diagnosis MUST predate the definition of a
pre-existing conditionÉ
Épossibility
alone of the existence at an earlier time of an
unknown and undiagnosed condition is sufficient ground to refuse admission of a
claim at a later time when that condition has
manifested and can be diagnosed.