CommInsure have recently received significant press regarding their attitude to payment of claims http://www.smh.com.au/interactive/2016/comminsure-exposed/terminal-illness/ Insurance policies are legal contracts. The insured has the following obligations: disclose all relevant information as required and material pay the insurance premiums The insurance company will then offer insurance based on the information provided and continue to offer the policy subject to the premiums being paid. In the event of a claim the benefit will be paid in accordance with the conditions of the policy. The insurance company may seek information from treating doctors and seek specialist medical advice in order to clarify the insured’s condition. Undue delays are stressful and costly to the insured, especially when there has been a death in the family or poor health by the insured. It is therefore imperative to ensure the required information is provided to allow a decision to be made as soon as possible.