| Be aware of your rights if you have been mis-sold an | | | | a policy then an insurance company will not pay you |
| insurance policy. If you have been made unemployed | | | | compensation for your medical expenses when you |
| by your employer for almost 14 days, then you can | | | | are sick or have met with an accident. This should be |
| make a claim. But if you were unemployed when you | | | | informed to you when you apply for a policy. Your |
| bought a policy then you can't make a claim if you | | | | agent has kept you in dark about this fact hence you |
| meet with an accident or are sick. This policy does not | | | | have been mis-sold a policy and you can claim your |
| cover unemployed or self employed people. If you | | | | rights. You were made to unnecessarily pay for a |
| have been sold a policy saying that it will protect you, | | | | policy that was not applicable for your condition. |
| then you have been mis-sold a policy. | | | | Self employed status: If you were a self employed |
| If you can prove this, then you can make a claim from | | | | person when you bought a policy and the same has |
| those who have mis-sold you the policy. They have to | | | | been mentioned in the policy papers and you were still |
| compensate the amount that you have spent paying | | | | sold a policy, then the agent has made you a victim. |
| up the premiums on your income protection. | | | | He has mis-sold a policy that is not relevant for your |
| Pre existing medical condition: No policy holder will be | | | | employment status. You have wasted huge amounts |
| covered if it is later found by the doctors that you | | | | on premiums which you have paid on these policies. |
| have had a medical condition even before applying for | | | | |