A cancer victim has won her fight for a critical illness insurance payout from the insurance giant Legal and General. The firm had originally refused to pay out on her claim, and stated that she had failed to disclose some medical conditions when she took out the cover, and that this rendered her cover null and void. The customer ended up having to go to the Financial Ombudsman Service in order to get justice and get the money that she was entitled to.
After being diagnosed with breast cancer in 2006 the policyholder, Jacqueline Bradburne, tried to make a claim, as her condition was covered in the policy. However, she was then told by Legal and General that she had failed to disclose an eye condition and a bout of depression that she had suffered from some years earlier, both conditions that were in no way related to cancer.
The insurance firm has been accused of providing the customer with a policy without carrying out proper checks on her medical past. She claims that the insurance company simply asked her to send in doctors notes to prove the condition that she was claiming for, but then told her that she could not claim because of the past unrelated conditions.
One official from Legal and General stated: ‘It is not disputed that the cause of the claim was not related to the non-disclosure, but an insurance contract cannot be completed if it is based on false or misleading information.’
However, the firm has now been ordered to pay her claim as well as interest of 8%, which means that they will be paying out close to £100,000 to the customer.
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