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Royal London make significant enhancements to Critical Illness cover
by Adam Higgs | Dec 4, 2023 | 0
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Hi Adam,
Having just looked into GIO for an Aviva IP client and I read their policy document as making their GIO of no benefit, as it has the same impact as taking out a new Aviva policy with full underwriting, as it excludes any pre-existing conditions suffered since the original policy started due to these two clauses, which defeats the object of having GIO, in my view.
• We won’t cover you for any incapacity which arises prior to
the start of the new policy or prior to the life change event
occurring.
• We won’t cover you if the condition was diagnosed or you
suffered symptoms (whether diagnosed or not) before the
start of the new policy or prior to the life change occurring.
I’d welcome your thoughts on the impact of these conditions on the benefit of their GIO
Warren Robins