Fortis Life Improves Cover Definitions for Burns Claims

Fortis Life have announced further improvements to their already market leading Critical Illness Cover.

Fortis Life's Critical Illness Coverage now has 10 conditions which improve upon the definitions laid down by the Association of British Insurers (ABI).

Among these latest improvements, all of which are designed to make claims possible in more cases than before, is an improvement to the definition for Third Degree Burns.

Like most Critical Illness policies, Fortis' definition for Third Degree Burns claims had previously been covered under 2 separate definitions, one relating to the face and the percentage of the surface area that would need to be affected as a minimum, and th other relating to the body and the minimum percentage of it's surface area affected. The new definition has simplified this into a single definition for improved clarity and ease of understanding, and makes claims possible if at least 20% of the surface area of the face or body is affected by Third Degree Burns.

We think this is a great move forward and helps to prevent policyholders from becoming confused by or misunderstanding the definitions of the cover under their policy, and potentially feeling short-changed by their insurer over non payment of claims in circumstances where they may have believed the cover in place to be different.

If you have Critical Illness Insurance, or have thought about taking some out, perhaps you'd like to consider the potential differences that this small but important point in the definitions could make in the event that you need to make a claim one day.

If you'd like to know more or just have a chat with an expert just give us a call on 0845 003 0065 or visit our Critical Illness Information page