Financial Ombudsman Service
11 publications cited on 63 pages across The Health Guide.
Annual complaints data and insight 2024/25
2 July 2025 · primary source
- Can you get critical illness cover without life insurance? — Guide
- Diabetes and insurance cover: type 1, type 2 and underwriting — Guide
- Do critical illness policies pay out? — Guide
- Do income protection policies pay out? — Guide
- Do life insurance policies actually pay out? — Guide
- Does income protection cover redundancy? — Guide
- Endometriosis, fibroids, PCOS and insurance cover — Guide
- Epilepsy and insurance cover — Guide
- Health insurance costs where you live: how location shapes price — Guide
- Heart conditions and insurance: cover, underwriting and claims — Guide
- High blood pressure and insurance: how underwriters treat it — Guide
- How the NHS and private healthcare fit together — Guide
- Insurance after a heart attack: what you can still get — Guide
- Is critical illness cover worth it? — Guide
- Is income protection worth it? — Guide
- Menopause and insurance cover — Guide
- Neurological conditions and insurance cover — Guide
- Private health insurance in Birmingham and the Midlands — Guide
- Private health insurance in London: hospitals, costs and choices — Guide
- Private health insurance in Manchester and the North West — Guide
- Private health insurance in Northern Ireland — Guide
- Private health insurance in rural areas of the UK — Guide
- Private health insurance in Scotland: NHS context and cover — Guide
- Private health insurance in Wales: NHS context and cover — Guide
- Self-pay healthcare costs explained: paying for treatment directly — Guide
- Stroke, TIA and insurance cover — Guide
- Weight, cholesterol and insurance underwriting — Guide
- What is business protection, and which businesses need it? — Guide
- What is critical illness cover, and how does it work in the UK? — Guide
- What is income protection insurance, and how does it work in the UK? — Guide
- What is life insurance, and how does it work in the UK? — Guide
Complaints about medical insurance
Accessed 14 September 2026 · primary source
- Can you get health insurance after cancer? — Guide
- Can you get private health insurance for a child only? — Guide
- Does private health insurance cover cancer surgery? — Guide
- Does private health insurance cover cancer treatment? — Guide
- Does private health insurance cover chemotherapy? — Guide
- Does private health insurance cover dental treatment? — Guide
- Does private health insurance cover radiotherapy? — Guide
- How do health insurance renewals work, and why do premiums rise? — Guide
- How do you make a cancer claim on health insurance? — Guide
- How does health insurance treat pre-existing cancer? — Guide
- How does medical underwriting work? — Guide
- How does private health insurance work in the UK? — Guide
- How much does private cancer treatment cost in the UK? — Guide
- NHS and private cancer care: access and payment — Guide
- What does private health insurance cover? — Guide
- What is an excess on health insurance? — Guide
- What is the NHS 18-week waiting time standard? — Guide
- What limits apply to private cancer cover? — Guide
- Who regulates health insurance in the UK? — Guide
Final decision DRN-4775950 (income protection claim declined — policy exclusion and deferred period)
Accessed 15 September 2026 · primary source
- Do income protection policies pay out? — Guide
- Does income protection cover redundancy? — Guide
- Group income protection explained — Guide
- Income protection and pre-existing conditions — Guide
- Is income protection worth it? — Guide
- What is business protection, and which businesses need it? — Guide
- What is income protection insurance, and how does it work in the UK? — Guide
Financial Ombudsman Service
Continuously updated; checked 15 September 2026 · primary source
- How to check any insurer, adviser or hospital yourself — Who does what
- What a health cash plan provider does — Who does what
- What a health insurer does — Who does what
- What a private consultant does — Who does what
- What a private hospital group does — Who does what
- What an employer scheme or medical trust does — Who does what
- What an insurance broker or adviser does — Who does what
Critical illness cover — guidance for businesses
Accessed 15 September 2026 · primary source
- Can you get critical illness cover without life insurance? — Guide
- Critical illness cover and cancer: how claims work — Guide
- Critical illness cover: what is it and why might you need it? — Guide
- Is critical illness cover worth it? — Guide
- What does critical illness cover pay out for? — Guide
- What is critical illness cover, and how does it work in the UK? — Guide
Final decision DRN-5719011 (income protection claim declined — own occupation definition)
Accessed 15 September 2026 · primary source
- Do income protection policies pay out? — Guide
- Does income protection cover redundancy? — Guide
- Group income protection explained — Guide
- Is income protection worth it? — Guide
- What is business protection, and which businesses need it? — Guide
- What is income protection insurance, and how does it work in the UK? — Guide
Final decision DRN-5955235 (income protection claim declined — medical evidence of incapacity)
Accessed 15 September 2026 · primary source
Final decision DRN-6204112 (critical illness claim declined — CIDRA qualifying misrepresentation)
Accessed 15 September 2026 · primary source
Final decision DRN-6459846 (joint life and critical illness claim declined — application accuracy)
Accessed 15 September 2026 · primary source
Final decision DRN-4675459 (life insurance claim declined — application answers)
Accessed 15 September 2026 · primary source
Final decision DRN-4934564 (terminal illness benefit — CIDRA qualifying misrepresentation)
Accessed 15 September 2026 · primary source