Critical Illness Insurance exists to support individuals, and families of individuals, who have a serious illness. These ailments usually carry a significant financial burden that can stem from the cost of medical treatment, inability to work, and other losses in income. Critical illness insurance policies provide financial relief that can lessen the impact of healthcare, treatment, and recovery costs.
While illnesses and conditions covered vary from policy to policy, common ones include:
- Heart attack
- Cancer
- Stroke
- Coma
- Paralysis
- Alzheimer’s
- And more
Unfortunately, insurance policies often contain restrictions, exclusions, and other procedures that complicate the critical illness insurance claims process and make it difficult to receive critical illness benefits you may be entitled to through your policy. In some cases, insurance companies deny the critical illness claim and refuse to pay the benefits. It is not uncommon for insurance companies to deny payment of these claims based on an alleged misrepresentation in the Application for Insurance or they rely on the narrow language used in the various exclusions and restrictions in the policy wording to deny payment. Many people purchase these policies through independent insurance agents/brokers, who assist with the application process and are supposed to review the coverage provided by the policy and the restrictions and exclusions to coverage. It is vital that any denial of a Critical Illness insurance claim is reviewed by an experienced insurance lawyer, who will carefully review the facts surrounding the application process, the exclusions and restrictions in the policy and the potential claim against the insurance agent/broker for negligence.
At Horowitz Injury Law we can help. We will handle the claims process and legal complexities so that you can focus on the recovery of yourself or your loved one. Our expert insurance litigation and personal injury team will assist you with the critical illness insurance claims process, including denied or delayed benefits, in order to ensure that you receive the compensation that you deserve.
If you or a loved one has been denied critical illness insurance benefits, or you require assistance with the critical illness insurance claims process, contact Horowitz Injury Law today.
