claim sent to underwriters why ?

Question

i have just had a stoke and now been told my claim is going to the underwriters why would this be? i have sent all proof of medical information and doctors notes what would be the problem now?

i applied under critical illness as i had a aneuryems in the brain that reptured and bleed and have been left with bad side effects

Answer 1

I agree with some of the answerers here; an underwriter will get involved only if the Company is questioning whether or not you should have been issued the policy, based on the representations you made on the application for coverage. The condition(s) not listed don't even have to be related to the condition(s) resulting in the claims. However, the unlisted condition(s) must represent a "material misrepresentation," which is legalese for saying the condition must be significant (such as obesity, hypertension, cancer, etc.) and cannot be minor (such as the flu, etc.).

There's nothing you can do right now but wait. If you don't hear from the Company within a month, give them a call. If they refuse to communicate with you, you can file a complaint with your state insurance commissioner's office.

I hope this helps.

Answer 2

Underwriters are actually the people behind the scenes to dictate on what and when claims are finalized. They make sure all claims follow their company guidelines. Sometimes under certain circumstamces, the Underwriter has the authority to override any company guideline

Answer 3

They're reviewing your original application and submitted medical records to make sure your claim is legitimate. Fraudulent claims are submitted all the time. Insurance companies have to review claims - particularly those submitted on policies that have recently been issued - to make sure they aren't being ripped off and to protect the honest policyowners relying on the company to be there for them when they need them.

If everything is on the up-and-up, your claim will be paid soon. These things take time.

Answer 4

Any claim on an insurance policy has to be agreed by the underwriter who took on the risk on behalf of the company. The time it takes to process depends on the size and circumstances of the claim.

I should imagine that yours woun't take too long to agree.

hope you feel better soon.

Answer 5

I DONT THINK THERE IS A PROBLEM MOST INSURANCE COMPANIES HAVE THEIR POLICIES UNDERWRITTEN THESE DAYS IT REMOVES THE RISK OF THEM PAYING OUT THE UNDERWRITER PAYS THE PREMIUM .
HOPE THIS HELPS SORRY TO HEAR OF YOUR ILLNESS GOODLUCK

Answer 6

The biggest problem would be if the medical information indicates you lied on your application.

Answer 7

were there any med cons that you did not disclose (no matter how minor) when you bought the policy.

they are basically scrutinizing your policy/file validity. strokes are usually down to blood pressure...do you have blood pressure/hypertension? and did you tell them that you did at the start?

Answer 8

Sorry to hear you health isn't good. There probably is no problem. Their job is to find a way not to pay. Sad state of affairs, but true.

Answer 9

It will just be a formality - each company as it's procedures. Everything will be ok.