eczema groin

Home > Eczema and Dry Skin > Eczema Groin

November 4th, 2011 admin

eczema groin

Neosporin Eczema Essentials Daily Body Wash- travel size

$2.99

Psoriasis/Eczema Shampoo – No More Itchy Scalp – 300ml

$18.96

Tell The Truth With Life And Critical Illness Insurance by

Insurers treat the non-disclosure of information on an application form very seriously indeed, and it is the most common cause for the rejection of a life or critical illness insurance claim. This true story explains that the situation isn’t always black and white, and demonstrates the severity of the penalty. We have changed some details to protect the anonymity of the policyholder.

Ms W had to have an operation to eradicate cancerous lymph nodes from her groin, and immediately fell ill after surgery with an infection she picked up in hospital. Critically ill, she had already made a claim on her critical illness insurance, however she received some unexpected bad news. Her claim was rejected and she was not going to receive the 200,000 she was insured for. How did this happen? Read on so we can explain.

June 2001 Ms W went to see her doctor about an area of flaky skin on her back, she assumed it was something like eczema. Her GP wanted a specialist to have a look, and made a referral to a dermatologist. Before the appointment arrived, the patch of flaky skin cleared up, so Ms W cancelled the appointment, thinking no more about it. She did not imagine that it was anything serious, and the GP had not given her the impression that there was anything to worry about.

August 2001 a sales representative from Ms W’s life insurer, Standard Life, called for a routine sales visit. Ms W’s circumstances had changed and she now had a young family depending on her. The sales rep suggested taking out a critical illness insurance policy, and she readily agreed. Ms W took out 200,000 worth of critical illness insurance.

The sales representative talked Ms W through the application form, filling in the answers on her behalf. When they came to the section about any incidences of referral from a GP, Ms W was unsure what the question meant, and asked the sales representative for clarification. According to Ms W, the sales rep told her that she only needed to mention a referral if it related to a serious matter. Ms W didn’t think it was worth mentioning the GP referral for the flaky skin, since she thought it was probably just eczema. She didn’t mention it so it didn’t go on the form. Ms W signed the form after completion and she applied for the Standard Life policy believing that she had provided all the required information.

Ms W soon received notification that she was insured for 200,000 in case she developed a critical illness.

Two years later Ms W learnt that she had skin cancer, and major surgery quickly followed to try and remove the cancer. Ms W naturally made a claim on her critical illness policy, for which she fully expected to receive a 200,000 payout.

Soon after, Ms W received the rejection letter from Standard Life the claim was rejected on the grounds of reckless non-disclosure”. As far as the insurer was concerned, Ms W had withheld information on the application form, and this had invalidated her claim.

As you no doubt have realised, Ms W should have mentioned the GP referral to a dermatologist and her failure to mention it resulted in a severe penalty. How could she have made such a mistake?

Two major errors were made:

1. When Ms W was asked to give details of any referrals she asked the sales rep what kind of referrals they meant. She was advised that she only needed to mention referrals relating to serious conditions. This advice was incorrect. The question asked for details of all occasions her GP had referred her for tests or treatments”. ALL OCCASIONS means ALL whether they were thought to be serious or not. The insurance company needs to know absolutely everything they ask for on the application form, and Ms W unfortunately did not provide that, thanks to the sales rep’s advice.

2. The GP did not give Ms W any indication that the flaky skin could be something serious, a fact that the GP stood by later. Ms W did not realise that the skin condition could be anything other than eczema, and so when told that she only needed to give details of referrals relating to serious conditions, she truly believed that her dermatologist referral was not worth putting on the form. She made this decision based on advice given by the sales rep, and it was a genuine mistake on her part.

Taking the above story into account, we think that Standard Life should realise that Ms W made an honest mistake, and did not deliberately withhold any information. The sales rep did not give the right advice, and Ms W followed that bad advice in good faith. It wasn’t her fault, and Standard Life should relax the penalty in this particular case.

Make sure it doesn’t happen to you

Filling out a life or critical illness insurance application form has to be taken very seriously indeed. You must read every single question and answer each one providing all the necessary information and detail. Withholding information is not an option, don’t be tempted by the thought of cheaper premiums because on making a claim, you will be found out and the claim will be invalid. Don’t take that risk!

Hopefully, Standard Life will see that Ms W did not deliberately mislead them, and they will give her the payout she deserves.

People that do deliberately mislead the insurers do deserve what they will eventually get nothing.

NB: Standard Life rejects 5%, Friends Provident rejects 15% and Legal & General rejects 16% of all critical illness claims because of policyholders withholding information (whether deliberately or not). The insurance industry realise that they need to do something to address the situation, and are currently developing new ways to get information from applicants, and to publicise the severe penalties for not providing full and accurate information.

Michael writes financial articles for Life Insurance Quotes Online who offer life insurance and Mortgages

Article Source: http://www.earticlesonline.com/Article/Tell-The-Truth-With-Life-And-Critical-Illness-Insurance/20792

Sarna Sensitive Lotion, 7.5-Ounce (222 mL) Bottle

$6.99

Pramoxine hydrochloride (1%). Dermatologist recommended. Steroid-free and fragrance-free. Relieves itching associated with: dry, sensitive skin; eczema. Moisturizing. Made in USA….

Aveeno Eczema Therapy Moisturizing Cream

…

Myda-B eliminates fungi reduce inflammation relieve itching 12x15g

$86.49

Treatment of skin diseases caused by fungi that have been used to treat inflammation, itching associated with eczema, ringworm disease, foot (ft Hong Kong) at the base of the nail in the groin, armpits, groin, and the crook of the disease Candiasis Monillia vaginitis.

Help

Some areas of infection and inflammation 2-3 times a day….

Eczema

$58.94

Eczema is a disease in a form of dermatitis, or inflammation of the epidermis. The term eczema is broadly applied to a range of persistent skin conditions. These include dryness and recurring skin rashes that are characterized by one or more of these symptoms: redness, skin edema (swelling), itching and dryness, crusting, flaking, blistering, cracking, oozing, or bleeding. Areas of temporary skin discoloration may appear and are sometimes due to healed lesions, although scarring up is rare. In contrast to psoriasis, eczema is often likely to be found on the flexor aspect of joints. Author: Miller, Frederic P./ Vandome, Agnes F./ McBrewster, John Binding Type: Paperback Number of Pages: 68 Publication Date: 2010/07/27 Language: English Dimensions: 5.98 x 9.01 x 0.16 inches