Independent
Financial Advisors’ Association
…an
extract of the Lords' debate concerning pre-existing conditions to an illness regarding
insurance was published…that no such pre-existing condition can exist until
after a diagnosis of that condition.
…claim failed due to
"associated symptoms" which have never been declared…
…the alleged unqualified
symptoms predated 1.1.96 to place my claim outside
cover…was diagnosed almost one full year inside
the cover.
…claim process allowed
for scrutiny of my medical history to allow selection of appropriate symptoms
that might be connected to an undiagnosed…
… The Insurance
Ombudsman (IOB) agreed with my arguments - which predated the Lords' debate by
some 15 months.
…loophole in this type
of product is that the Personal Investment Authority
does not regulate the insurance part of the policy - only the investment part
itself…
…Association of
British Insurers seems powerless or just reluctant to make definitive
comment in an insurance matter.
…Office of Fair
Trading (OFT)…is considering [my report] content with regard to
critical illness insurance.
…General Medical
Council (GMC) stance is one of total disinterest.
…the Chief Medical
Officer (CMO) was not necessarily involved with the claim refusal…claims'
underwriters have some delegated authority to make medical decisions.
…illusion is that qualified
medical opinion is used…the CMO is in "possession" of information
does not mean that he was involved in the use of that information to make a
decision himself.
…compliance and
adherence to procedures is clearly brought into question about the competence
of whoever was allowed to make such a complex technical decision…
…failure to diagnose…as
early as October 95 (Managing Director of
Abbey Life) – ie before January 96 - clearly
challenges my own doctor's competence by possibly a medically unqualified
claims' underwriter.