Topic: Trauma Insurance

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?

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?

Lindsey’s bag was lost by an airline. The airline paid Lindsey $4,686.74 as compensation for losing his bag. However, Lindsey had calculated that the items of clothing in his bag were worth $7,201.69. Lindsey wanted his travel insurance company to accept his claim for $7,201.69 worth of lost clothing.

Cancer claim declined because the cancer did not meet the policy definition.

In 2015 Hans has a trauma claim paid after he suffered strokes. However, Hans considered he could have received further benefits under his policy if his adviser had provided him better advice. Was the advice process flawed, causing Hans a financial loss?

Following a mammogram, Diane’s doctors discover she has Ductal Carcinoma in Situ (DCIS) and she undergoes a left mastectomy. Diane claims under her cancer policy, but her claim is declined because her cancer is ‘non-invasive’.

Mia was an international student studying in New Zealand when she fell very ill and needed ongoing medical treatment. Mia submitted claims to her medical insurer but was not satisfied with the time it took to process her claims and with the insurer’s service in general. Mia asked FSCL to investigate her concerns.

An unfortunate situation of lapsed health policies and a subsequent cancer diagnosis. FSCL investigates whether there was evidence of reinstatement of the policies.