Library wiki

Policy-vs-guide trap

Marketing brochures, employer HR packs, and claim-form checklists are not the policy contract. When wording drifts, insurers may rely on the narrowest binding clause — especially on exclusions, waiting periods, and evidence duties.

Where it is defined

• Policy trap

  Marketing brochures, employer HR packs, and claim-form checklists are not the policy contract. When wording drifts, insurers may rely on the narrowest binding clause — especially on exclusions, waiting periods, and evidence duties.

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• Policy trap

  HR emails and claim guides may use broader language than binding policy wording.

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Referenced from

• Claim-process knowledge gap
• Language gap