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Critical illness non-disclosure

Millions of people are not getting the most out of their critical illness insurance as they are not disclosing key information, according to Legal & General.

The insurer claims that while application forms for cover provide "clear, unequivocal warnings" as to the disclosure of conditions, many people are still not making sure their insurance company knows all the relevant details and could be at risk of being turned down in the event of a claim.

Legal & General paid over £92 million in critical illness claims (83.3 per cent) in 2006. Of the declined claims, 12.2 per cent were for non-disclosure.

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Critical illness non-disclosure
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