Unexpected tragedy
Should an exclusion clause for suicide allow an insurer to decline cover when a family member unexpectedly kills himself?
Topic: Insurance
The vein claim in vain
Pavati is pregnant and is told to have surgery on her varicose veins, while in India. Were the surgery and flight-change costs covered by an insurance policy?
“Why can’t I claim insurance when I can’t use my business?”
Sam’s business was severely affected by the Kaikoura earthquakes. Though his building was not materially damaged, a neighbouring building needed to be demolished before he could begin trading again. Was Sam able to use his business interruption insurance to cover his stop in trading in the intervening 8 months?
“Whose definition is definitive?”
Aja’s work travel was covered by her employer’s group insurance policy. Whilst overseas Aja needed monthly check-ups (and prescriptions) for ADHD and claimed the expenses under her insurance policy. The insurer declined the claim saying a number of exclusion clauses applied. Aja disputed the declinature.
“Can I claim for costs when I’m forced (by logistics) to continue my holiday?”
Mary was injured on a day excursion during her cruise. Because of the cruise’s itinerary Mary was unable to return home until five days after the injury occurred. Is Mary able to claim ‘cancellation costs’ from the time of the injury because she couldn’t enjoy the cruise as she had envisioned?
Diamonds are forever – until they’re lost
Leonie doesn’t wear her rings during flights because her fingers swell; she keeps them in a black pouch in her handbag instead. Should her travel insurer pay out when the rings go missing?
“Is man’s best friend part of the family?”
Darshan was holidaying overseas when was told that his dog was ill. In order to ensure his dog was okay, Darshan flew home and resumed his trip at a later date. Can Darshan claim insurance for this interruption?
Travel insurer ACCidentally makes a mistake in interpreting its policy
Kurt’s insurer declines his claim for lost income, because he made an ACC claim. Did the insurer interpret the policy exclusion correctly?
Flight delay upon flight delay
Lynley’s flights home to New Zealand are going to be delayed by more than 48 hours. Lynley takes daily medication, but only has enough tablets to cover her for 24 hours’ delay. Lynley books new flights to get her back to New Zealand within 24 hours. Does Lynley’s travel insurance policy provide cover for the costs of her new flights?
“I’ve gotta get out of this place, if it’s the last thing I ever do.”
Jack injures his knee in Cambodia and suffers complications after surgery. Does Jack’s travel insurer have to pay him $30,000 in damages?
