I have a life/serious illness insurance policy that was set up several years ago.
I recieved an up to date statement of the benefits of the policy yesterday. One of the benefits on it is to be paid a fixed sum per day for each days stay in hospital (first 3 days excluded). I am wondering if I claim any of that benefit does this have potential to invalidate any further claims on this policy or similar policies? As far as I can see it doesn't as it states that the benefit is allowable for 365 days in total over the lifetime of the policy and there have been no other claims on it to date.
I am wary of claiming on it for a short stay in hospital I had recently for 6 days. I am not sure if this will in some way allow the insurer to invalidate the policy. I also wonder would this count as a claim on the policy and thus cause me some difficulty establishing a similar policy in the future?
Sorry if this is a bit vague, I don't have access to the policy documents at the moment, to go through the fine print on it. Would anyone who has claimed on such a policy before might know if there any pitfalls to doing so?
Thanks for any advice that may be offered regarding this.
I recieved an up to date statement of the benefits of the policy yesterday. One of the benefits on it is to be paid a fixed sum per day for each days stay in hospital (first 3 days excluded). I am wondering if I claim any of that benefit does this have potential to invalidate any further claims on this policy or similar policies? As far as I can see it doesn't as it states that the benefit is allowable for 365 days in total over the lifetime of the policy and there have been no other claims on it to date.
I am wary of claiming on it for a short stay in hospital I had recently for 6 days. I am not sure if this will in some way allow the insurer to invalidate the policy. I also wonder would this count as a claim on the policy and thus cause me some difficulty establishing a similar policy in the future?
Sorry if this is a bit vague, I don't have access to the policy documents at the moment, to go through the fine print on it. Would anyone who has claimed on such a policy before might know if there any pitfalls to doing so?
Thanks for any advice that may be offered regarding this.