A case involving a cancer patient who has been refused a payout by his critical illness insurer has highlighted the importance of checking policies carefully.
Self-employed Danny Wild took out the policy in 2001 to protect against a loss of income through illness. Last year he was diagnosed with bladder cancer and later advised to have it removed -- an operation with an estimated six months recovery time.
Wild told the Star that he's been forced to pass on the operation as insurers Aviva will not pay out until the cancer develops into a more serious condition. He says he couldn't afford to take the time off work and has been left with no option but to let his health deteriorate.
Aviva says that its policy defines critical illness as only covering specific conditions, detailed in the terms and conditions. This excludes some forms of cancer where the expected recovery rate is higher, with Aviva saying that it couldn't cover these conditions without making premiums unaffordably high.
Wild has now begun a publicity campaign including social media pages aimed at highlighting the case and plans to take his protest directly to Aviva's head office with a megaphone.