Case Studies

The following case summaries highlight common issues and consumer tips. Cases can be filtered by subject below and names have been changed to protect confidentiality. Access to the full case study database is available for IFSO Scheme Participants in the Participant Area.

Showing all Non-disclosure case studies

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Cancer, non-disclosure

Your full medical history must be disclosed when you apply for insurance.

Jin had life and trauma insurance. After his stage 4 colon cancer diagnosis at age 31, he made a claim.
Life Insurance Non-disclosure

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Leaving out medical details is a problem

Tell your insurer your full medical history, even if you don’t think it's relevant.

Yasmin didn’t mention her two spinal injuries when she applied for insurance. Her claim for a spinal cyst was declined.
Health Insurance Non-disclosure

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Income protection reinstated

Tell your insurer, or adviser, about your full medical history and write it down.

Robert didn’t mention his chronic headaches on his insurance application, but he did tell the bank adviser.
Life Insurance Non-disclosure

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Full medical history needed

Tell your insurer your full medical history, even if it's old news.

When Rose arranged insurance, she didn’t mention her depression, skin, sinuses, spine, liver, cholesterol or ear issues.
Life Insurance Non-disclosure

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