CR390 Pre-existing condition exclusion / causation Exclusion clause – whether claim directly or indirectly attributable to pre-existing condition – test for legal causation The exclusion
CR383 Disability claim – mineworker – hearing loss Group scheme claim lodged in 2017 – insured passed fitness examinations and worked on mine for ten
CR362 Waiting period / Disability / Equity Unusual 24 month waiting period for permanent disability; equity invoked Background 1. The life insured had an accidental
CR363 Disability claim Reasonableness of alternative occupation The applicable definition of “Occupationally Disabled” read thus: “The Life Covered is Occupationally Disabled if he or she
CR365 Pre-existing conditions Disability benefit claim; pre-existing conditions clause does not cover complainant’s condition Background: 1. The complainant had two policies, being a Personal Loan
CR368 Disability Introduction This case concerns the termination of the payment of a monthly disability income benefit which had been in payment for just over