Critical Illness Policy Offers No Real Support Unless Condition Worsens

Review: I am extremely disappointed with Momentum’s handling of my Critical Illness Benefit claim. Despite having a serious medical condition supported by medical reports, Momentum declined my claim on the basis that my condition is “not severe enough.” This is despite the policy explicitly providing for severity levels and partial or early benefit payments intended to give members access to assistance before conditions deteriorate further. In practice, the policy has been app**** as an “all-or-nothing” arrangement. Unless a member is completely incapacitated or significantly worse off, no assistance is offered. This defeats the stated purpose of the policy and penalises members who are responsibly managing their health to prevent further complications. As a parent with dependants, I find it deeply concerning that proactive medical care is effectively ignored, and support is withheld until a person’s condition worsens. This has caused significant financial and emotional strain. I am currently escalating this matter to the Ombudsman, as I believe Momentum’s interpretation is unfair and inconsistent with the intention of the policy.