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CR314 Pre- existing condition – Death Claim under credit life policy

Pre- existing condition CR314 Death Claim under credit life policy – policy containing a pre-existing condition exclusion clause– was there any need for the proposer to undergo medical examination notwithstanding the aforesaid exclusion clause? Background On 9 February 2007 the deceased took out a credit life policy covering his death, disability, retrenchment and dread disease. […]

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CR294 Pre-existing conditions Hypertension and cholesterolaemia as causes of heart failure –proof

CR294 Pre-existing conditions Hypertension and cholesterolaemia as causes of heart failure –proof Background The insured’s life policy provided that “No amount shall be payable in the event of your illness, bodily injury, physical defect, ill health, or any other condition which materially contributed to the death claim against the policy, existed (sic) prior to the […]

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CR158 Onus of proof – pre-existing condition

CR158 Onus of proof – pre-existing condition Facts The complainant was covered for permanent disability under a protection plan that was sold to him telephonically on 7 February 2005. The complainant was diagnosed with major depression on approximately 10 February 2005 and instituted a claim. The insurer repudiated it because according to medical evidence the […]

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