[WillowTheWhisp]

I had a relative who had insurance which would pay him when off work or in hospital. The amount paid out was in ratio to the premiums paid in. He developed an illness which made it likely that he would need time off work for hospital treatment. On the advice of the insurance company he increased his premiums so that he would receive a larger payment from them if and when the need arose.

When he did come to spend time in hospital and tried to claim on the insurance he was told it was invalid because he already had the condition before he increased his premiums. Not only did they not pay him the increased amount. They didn't pay him anything!