The cutting edge

Although critical illness insurance (CI) is a simple product in theory, some highly complex issues are starting to emerge, particularly in the UK, stemming largely from the potential financial impact of medical advances. Such advances are largely beyond the control of the insurance industry, but they need to be kept abreast of and factored into any long-term pricing decisions.

The product is currently profitable in the UK, but there are concerns regarding the robustness of definitions against

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