THE OMBUDSMAN FOR LONG-TERM INSURANCETHE OMBUDSMAN FOR LONG-TERM INSURANCE

COMMON PROBLEMS


COMMON PROBLEMS
We commonly receive complaints relating to:
  • Conclusion of contracts of insurance;
  • Interpretation of proposal forms and policy provisions;
  • Lump sum and income disability benefits;
  • Annuities;
  • Funeral policies;
  • Rejection of claims by insurers because of:
    • non-compliance with policy provisions;
    • breach of warranties;
    • pre-existing conditions;
    • non-disclosure;
    • fraudulent claims;
  • Cancellation of policies by policyholders because of:
    • mis-selling and misrepresentations;
  • Lapsing and re-instatement of policies;
  • Communication, administration and other errors by insurers;
  • Compensation for poor service.
  • Policy values