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Summary The requirement for clarity and honesty when writing critical illness insurance policies. This article explains. Very little is more harrowing in life than to be diagnosed with a chronic or critical condition. Concerns are made much worse when your insurance company notify you that they won’t pay up on your critical illness insurance or private health insurance for the HIV or cancer you are afflicited with. You are told to study sub-clause five of paragraph 326 of the small print, which states that you have been diagnosed with the  wrong sort of cancer. Only tumours below the knee are covered and only the first five days of your treatment will be paid for, then it’s down to you to find the finance. This state of affairs may sound ridiculous, but even though insurers and brokers are regulated, this type of procedure continues to carry on. It has been a slow process to clean up the industry and to make sure that consumers get a proper deal. Just recently... http://merlinlifeinsurancecover.org.uk...