insurer seeks court order for victim's medical records

taiping insurance (singapore) applied to the high court on monday for access to the late mr pitchai rajendran's medical records as it seeks to investigate the victim's death from an industrial accident.

this is after taiping insurance (singapore) has been ordered to pay more than $110,000 in compensation to the victim's family.

mr rajendran, a ship maintenance worker was in a gondola that fell to the ground while washing a ship with a high-pressure water jet and suffered fractured ribs, liver lacerations and an open wound on his thigh.

prior to mr ragendran's discharge from the nuh after treatment, he developed complications and died.

my comments:

taiping insurance's probe into mr rajendran's death is not something that's unusual and forms part and parcel of any insurer's due dilligence procedures before settling payouts.

and with reference to this, an insurance contract is perhaps unique based on the principles of insurabilty and uberrima fides (utmost good faith).

and without prejudice, insurers have every right not to admit and pay any claim if there is evidence of a breach of these principles.

and that's why i will always insist on the prospect/referral/client sitting with me to lay all their cards on the table (meaning, full disclosure) when completing the paperwork for any insurance application.

and full disclosure is fully non-negotiable even if it means (it has happended many times already) i have to walk away from the table and lose the business.