Is Non-Disclosure A Policy Killer?

Lessons from M.D.L. v. Liberty Group Limited

In March 2021, an Eastern Cape woman experienced a life-changing trauma when she was injured during an attempted hijacking at her home. The incident left her unable to work, and she turned to her salary protection insurance policy with Liberty Group Limited to help her through the financial difficulties that followed. What began as a bid for support quickly escalated into a protracted legal battle when the insurer rejected her claim, citing non-disclosure of certain medical conditions. The dispute ultimately reached the High Court, raising significant questions about the obligations of insurers and policyholders, and the boundaries of fairness in such cases.