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Critical Illness Insurance – A lack of disclosure is equivalent to false representations in an application to re-issue an insurance policy

June 17, 2016

Hamideh v. Industrielle Alliance, assurances et services financiers inc., 2016 QCCS 631

When an insurance policy is up for re-issue, there is a positive obligation to disclose lumbar pain, a medical investigation in progress, and a request for worker’s compensation from the CSST to the insurer. In December 2008, the Plaintiff, Mr. Bilal Hamideh, took out a life insurance policy, and in March 2009, he added critical illness coverage. In August 2009, Mr. Hamideh had to leave his job as a lawyer at Concordia University due to back pain suffered as a result of a car accident.

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