Permanent Health Insurance
What is income protection insurance ?
Also known as permanent health insurance (PHI). It replaces part of your income if you are unable to work for a long time because...
What if the definition of “total disability” wasn’t explained when I took out the policy?
If a consumer complains that the way the insurance cover worked wasn’t adequately explained to them when they applied for the policy, we will...
Are insurance companies allowed to review a claim they’re already paying – and stop benefits?
Insurance companies have the right to review claims from time to time, to make sure that consumers claiming benefits continue to meet the terms...
What if I’m unhappy with my insurance company’s decision to reject or stop my claim?
You should first raise your complaint directly with the insurance company – and give them the opportunity to review your case. By law it...
Income protection insurance or borrowing ?
Insurance can cover your outgoings if you are unable to work for any reason. Here we explain what the types are and what you...
