Permanent Health Insurance: Contractual Clauses and Disputes
We are experienced in the drafting of permanent health insurance clauses on any review of a service agreement.
It is a key benefit which can be frequently undermined by the drafting of the contract, and we can advise on the risks arising and extent to which the effect of the benefit is undermined by the contract and suggest appropriate amendments.
When in receipt of such benefits, the underlying insurer will undertake regular reviews of the entitlements and on occasions may withdraw cover on the basis of a medical assessment; where there is a dispute about that medical assessment, that can be challenged; we have experience of challenging such assessments to secure reinstatement of the benefits. Similarly, employers may undertake a restructure or redundancy exercise and place those in receipt of benefits at risk or subject to fundamental changes which impact their receipt of benefits. Again, we have experience of representing the individual’s interests in such circumstances.
