Tummy bug causes trip cancellation
What happens if your travelling companion becomes unwell overseas and you decide to return home without first checking with a doctor or your insurer?
Topic: Insurance
A shift in ACC cover causes a big loss
When Callum suffers a severe accident, he receives less from the ACC than he thought he would.
Call me maybe?
Caitlyn and her insurance adviser had arranged an insurance policy for Caitlyn, and all that was left to do was sign the contract. However, Caitlyn and the insurer never met to sign the contract, so when she had a heart attack a few months later, she did not have any cover. Should the adviser have done more to finalise the contract?
A strict definition of total permanent disablement
Bopha fell from a stationary ambulance and suffered an injury which left her unable to work as a paramedic. She had $100,000 cover for total, permanent disablement, but her insurer told her that her injury did not amount to total disablement, and that she was only entitled to $5,000. Could this be right?
An insurance policy switch
In January 2014 Elizabeth moves her life, trauma, and income protection policies to another insurer, on her adviser’s recommendation. The new insurer then cancels Elizabeth’s policies for non-disclosure.
Getting to the heart of the matter
An insurer agrees to cover medical and travel costs necessary to bring your travel companion home, but are you being unreasonable when you ask for compensation for the portion of the trip you missed out on?
African tour was not a go!
Hans planned a trip to Chad, Africa through a travel company. To apply for a visa, he required an invitation. When he sent his application to the Chad Embassy in Germany, his passports were lost, and he cancelled his travel. Was the insurance company correct to decline his claim for the cancelled trip?
Do you need receipts to claim for stolen clothing?
Piri had his luggage stolen during a trip to South Africa. Piri’s insurer declined his claim when he could not provide receipts for any of the stolen clothes. Was this fair?
Delay upon delay
A delayed flight meant the loss of one night’s accommodation, leading to an insurance claim and further delay when the insurer took over a month to decline a straightforward claim
I have insurance, don’t I?
Ataahua had been paying for medical insurance for a number of years, only to find out that her policy had been cancelled when she turned 64. Can Ataahua get the insurer to still provide her with medical cover?
