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ScotProv pays out after probe on critical cover claim

Scottish Provident has made a U-turn on a critical-illness policy after it originally refused to pay out following an admin blunder.

Rodney Neil Financial Services partner Rodney Neil says ScotProv refused to pay out when a client was diagnosed with multiple sclerosis, claiming there had been non-disclosure of a pre-existing condition.

Now the insurer has admitted that it failed to take into account the information disclosed by the client&#39s GP and a separate medical examination that it had requested itself.

Scot Prov has now agreed to pay the £26,000 claim. Neil is still awaiting confirmation that he will still get the commission owed to him after being subject to clawback.

Neil says: “As it was Scottish Provident who asked for the private medical to be carried out, how can it possibly be that my client withheld information from them when it was supplied with all of the medical history from Scottish Provident&#39s own examiners?” Scottish Provident media relations executive Helen Tochel says: “The vast majority of critical-illness claims are accepted without question and we are sorry that the client&#39s claim was not handled to the standards she has the right to expect from us.

“We are very glad to have been given the opportunity to re-examine all the relevant facts in this case to allow us to reach the right decision.”

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