Financial Ombudsman Service
12 publications cited on 122 pages across The Health Guide.
Annual complaints data and insight 2024/25
2 July 2025 · primary source
Read the original publication
- Business loan protection: covering company borrowing — Guide
- Can you get health insurance with a pre-existing condition? — Guide
- Critical illness cover and cancer: how claims work — Guide
- Critical illness cover and pre-existing conditions — Guide
- Critical illness cover for children: how it works — Guide
- Critical illness cover for the self-employed — Guide
- Critical illness cover vs income protection: what’s the difference? — 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
- Endometriosis, fibroids, PCOS and insurance cover — Guide
- Epilepsy and insurance cover — Guide
- Executive income protection for company directors — Guide
- Group critical illness cover explained — Guide
- Group income protection explained — Guide
- Group life insurance and death in service explained — Guide
- Health insurance costs where you live: how location shapes price — Guide
- Health insurance for company directors: personally or through the company? — Guide
- Health insurance for couples: joint or separate policies? — Guide
- Health insurance for families with children — Guide
- Health insurance for over-50s: what changes and what to check — Guide
- Health insurance for over-60s and retirees — Guide
- Health insurance for single-parent families — Guide
- Health insurance for the self-employed — Guide
- Health insurance for young adults: cheap years, real choices — Guide
- Heart conditions and insurance: cover, underwriting and claims — Guide
- High blood pressure and insurance: how underwriters treat it — Guide
- How do health insurance renewals work, and why do premiums rise? — Guide
- How do no-claims discounts work on health insurance? — Guide
- How does private health insurance work in the UK? — Guide
- How much critical illness cover do I need? — Guide
- How much does critical illness cover cost in the UK? — Guide
- How much does income protection cost in the UK? — Guide
- How much does life insurance cost in the UK? — Guide
- How much does private health insurance cost in the UK? — Guide
- How much income protection do I need? — Guide
- How much life insurance do I need? — Guide
- How the NHS and private healthcare fit together — Guide
- Income protection and pre-existing conditions — Guide
- Income protection deferred periods explained: how long before it pays — Guide
- Income protection for the self-employed: how it works — Guide
- Income protection, statutory sick pay and benefits: how they fit together — Guide
- Individual, family and business health insurance: what’s the difference? — Guide
- Insurance after a heart attack: what you can still get — Guide
- Is private health insurance worth it? An honest framework — Guide
- Key person insurance: how it works and how much cover to buy — Guide
- Leaving a job? What happens to your health insurance — Guide
- Level vs decreasing term life insurance: what’s the difference? — Guide
- Life insurance vs critical illness cover: what’s the difference? — Guide
- Life insurance vs mortgage protection insurance: what’s the difference? — Guide
- Menopause and insurance cover — Guide
- Moratorium vs full medical underwriting: what’s the difference? — Guide
- Neurological conditions and insurance cover — Guide
- Over-50s life insurance explained: guaranteed acceptance plans — Guide
- Own occupation, suited occupation and any occupation definitions — 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
- Relevant life plans explained — Guide
- Self-pay healthcare costs explained: paying for treatment directly — Guide
- Shareholder and partnership protection, and cross-option agreements — Guide
- Short-term vs long-term income protection: what’s the difference? — Guide
- Stroke, TIA and insurance cover — Guide
- Tax treatment of business and group protection premiums and pay-outs — Guide
- Term vs whole-of-life insurance: what’s the difference? — Guide
- Weight, cholesterol and insurance underwriting — Guide
- What affects the price of health insurance? — Guide
- What are outpatient limits and hospital lists? — Guide
- What does critical illness cover pay out for? — Guide
- What does private health insurance not cover? — Guide
- What does putting life insurance in trust mean? — 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
Final decision DRN-4775950 (income protection claim declined — policy exclusion and deferred period)
Accessed 15 September 2026 · primary source
Read the original publication
Final decision DRN-5719011 (income protection claim declined — own occupation definition)
Accessed 15 September 2026 · primary source
Read the original publication
Final decision DRN-5955235 (income protection claim declined — medical evidence of incapacity)
Accessed 15 September 2026 · primary source
Read the original publication
Final decision DRN-4675459 (life insurance claim declined — application answers)
Accessed 15 September 2026 · primary source
Read the original publication
Final decision DRN-4934564 (terminal illness benefit — CIDRA qualifying misrepresentation)
Accessed 15 September 2026 · primary source
Read the original publication
Final decision DRN-6204112 (critical illness claim declined — CIDRA qualifying misrepresentation)
Accessed 15 September 2026 · primary source
Read the original publication
Final decision DRN-6459846 (joint life and critical illness claim declined — application accuracy)
Accessed 15 September 2026 · primary source
Read the original publication