ACCIDENT, HEALTH & TRAVEL

Lee & Lyons has significant experience in the fields of life and accident and health classes. Expertise includes policy construction and interpretation, in addition to comprehensive claims advice. The latter can involve formulation of suitable defences, recommendations in relation to commercial settlement as well as managing the litigation process where necessary.

Lee & Lyons is also able to provide advice on discrimination disputes that arise during the underwriting process.

Lee & Lyons provides advice to travel insurers, primarily in terms of policy coverage. Lee & Lyons has developed an excellent network of cost containment providers which are particularly necessary in the course of claims for overseas travel and medical expenses incurred in the United States.

Examples of Lee & Lyons Accident Health & Travel experience include:

• Acting on behalf of an A&H insurer in litigation concerning coverage issues arising out of deliberate self harm consequent upon an overdose of over the counter pain killers.
• Advising the A&H insurer of a mining scheme on coverage issues concerning a claim for lump sum benefits in circumstances where there was a break in the chain of causation.
• Advising a Travel insurer in respect of the application of a prior known medical condition exclusion in a claim for extensive hospital treatment provided in the USA exceeding US$150,000.00.