CI policies pay a lump sum on diagnosis — but insurers often dispute claims on grounds of definition non-fulfilment, survival period, or pre-existing disease linkage.
Critical Illness insurance is designed to pay a lump sum when you are diagnosed with a listed condition. However, insurers frequently dispute CI claims arguing the diagnosis does not meet the policy's specific definition of severity, the survival period was not completed, or the condition is linked to a pre-existing disease. We review the medical documentation against the exact policy definition and prepare a strong response.
Every case is reviewed individually. We identify the specific reason for rejection and prepare the strongest possible response on your behalf.