The policy holder was on board a flight to the US when he was taken seriously ill. On landing he was transferred to hospital where he was treated for a pulmonary embolism. A claim in excess of £70,000 was later submitted to the insurer for medical and repatriation expenses.
Our investigations revealed that the policy was purchased whilst the policy holder was still on board the flight and after he had first shown signs of illness. We were instructed to advise on the merits of the claim and to clarify whether the policy holder was entitled to claim the benefit. We concluded the insurers should not pay and subsequently persuaded the policy holder to drop his claim.