Critical Illness Claim Refused

Hi Kindness, welcome to the Forum, I have to say I haven't experienced the problem or had a Critical Illness policy but I was for may years a Lead Money Advisor with Citizens Advice, my question at this stage would be is the Financial Advisor which he should be Independent as he has obviously by your explanation advised incorrectly any and all medical conditions must be declared fully with Insurers including GP visits unfortunately I would be saying Aviva will have food grounds but also you should be submitting a complaint to the Adviser and then after the results of the complaint then seek support for the next levels

I hope this helps a little, Tony

Thanks Tony

Yes the financial advisor is independant and is part of a body called the Openworks Partnership -  "one of the largest and longest-established financial advice networks in the UK with 5,000 advisers across over 800 member firms". I have contacted the advisor and the Openworks Partnership. I know they have professional indemnity insurance and they may be liable for his poor advice.   The thing that annoys me is that the cardiac investigations ended up being nothing in the end, the cancer diagnosis is significant and the thing my wife is making the claim for and the non disclosure was not intentional, was innocent and in my view not material to the sickness that should trigger them paying out on the policy. I plan to wait to see how Aviva respond, then go to the FOS and in parallel raise a complaint with Openworks Partnership. Was just wondering if this is the right approach or if anyone had any other suggestions. You are very kind to have replied so quickly :-)

Thanks Dylan - should I copy this into the Ask an Expert forum? I have contacted the Macmillan support line but they couldnt help me unfortunately. Thanks :-)

Hi, Obviously I can't give advise on here, but in my opinion I would go all the way as I think the Advisor is the real one at fault unfortunately they come and go I find, the FO is a long winded affair but you must get a final letter from both parties that the claim has come to a stop then the FO will step in, if you do go to the FO I would start preparing as much info now sounds as if your on the ball anyway

Wish you luck, I suspect the CA may not help in this case but still refer to as many information sites if you want me to search for Charity support such as CA let me know their website is very informative so start with them for Insurance claim problems

All the best, Tony

Hi Kindness 

That's no problem at all.

Yeah, you can post your message in the Ask an expert forum, however, it will be answered by someone in the Support line so you might get the same form of response there than you did on the call.

I really hope you can get some helpful advice soon and get paid out from the insurance.

Thanks Dylan

Many thanks Tony