We look at Talia's complaint that her insurer won't cover her for preventative treatment.

What happened

Talia’s mum and sister had both been treated for breast cancer. Talia had some medical tests which identified she carried a gene which placed her at higher risk of getting breast cancer.

How we helped

We looked at the policy terms which said Talia wasn’t covered for preventative treatment. We also checked the medical evidence which confirmed Talia was currently in good health and had no sign of cancer.

Our decision 

We explained to Talia that we didn’t think it was unreasonable for the insurer to decline the claim as the treatment would be to prevent the cancer developing rather than cure it.