Pre-existing medical conditions and cause of death
What happens when a doctor will not say how someone died to allow an insurer to process the claim?
Topic: Insurance
Getting to the root of the problem
You are a student in New Zealand and require expensive dental treatment – does you your student policy cover this expense?
Stories don’t align
A man leaves his laptop on a table on a busy street in Chiang Mai while he pops around the corner to relieve himself, only to find when he returns that his laptop has vanished into thin air.
Jumping to conclusions
Confusion following an insurance claims leads to a policy cancellation and delayed claim process
‘Have you heard the one about high value items?’
Thomas lost his hearing aids while holidaying in Hawaii. His claim for $9000 was accepted by his travel insurer, but a sub-limit for ‘electronic equipment’ meant he only received $2000 in settlement of his claim. The insurer said that if Thomas had wanted to insure his hearing aids for their full value, he should have specified them in the policy. Thomas said he didn’t know he had to specify hearing aids and he disputed that hearing aids were electronic equipment. Is the insurer right?
Krakow caper
Patrick fell for a credit card scam when enjoying a drink at a bar in Krakow. Should his travel insurer have to compensate him for his loss?
Stranded without a passport
Travel insurance policy limited to cover for lost travel documents, not the disruption to travel caused by the loss
Herbie’s astronomical gastric issues
After a declined pet insurance claim, FSCL investigates whether Herbie has the same clinical signs as he did when his owner first took out insurance.
Insurance lapses – who is responsible?
An insured is unaware his policy has lapsed because his insurance broker sent the renewal reminder to an incorrect email address leading to loss after the motorbikes are stolen.
Zero communication about zero-rated deferment periods.
Marian claims on her business interruption policy when a power outage affects her business. After her claim is declined, FSCL investigates whether Marian’s broker contributed to her loss.
