[WillowTheWhisp]

If you leave a credit card debt when you die isn't your next of kin responsible for paying it?

Sickness insurance isn't my favourite thing. My late husband had a policy and was advised by the company itself to increase his cover as he was diabetic and liable to be off work with something associated with the diabetes. When he came to be off due to retinopathy he put in a claim and they refused to pay the increased benefit because he already had the ailment when he increased his premiums! Increased them on their advice because he had the ailment!