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CR272 Premiums – group scheme – complainant leaving employment – policy ceded to complainant – complainant not being aware that further premiums required to be paid – insurer never having informed complainant thereof – policy lapsing – insurer failing to apply relevant term of the policy. BACKGROUND Through her employer the complainant was insured for […]Read More
CR164 Premiums – Withholding premiums during dispute with insurer. Background The policyholder applied for life cover and risk benefits on his own and his spouse’s life. He also applied for an automatic annual increase of premiums and contributions. The insurer was not prepared to accept the risk at standard premium rates but was prepared to […]Read More
CR163 Premiums – insurer waived premiums for two years – non activation by the insurer of debit order thereafter – insurer purported to cancel the policy and refused reinstatement Background The complainant took out an insurance policy in 1999. In 2001 he was diagnosed with nephritis and lodged a disability claim against the policy. The […]Read More
C76 Premium waiver benefit admitted and later terminated on review – whether cessation of benefit justified. Background The complainant was a teacher who suffered from major depressive disorder. Because of his condition and his inability to continue working the Education Department granted approval for him to retire in March 1999. The complainant had a policy […]Read More