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"Too many exclusions would mean not allowing some well-respected experts to work on these important guidelines," Mr. Trewhitt said.
"The cover details were the same but the excess was higher at £500 and there were too many exclusions," he said.
But PPI is expensive, has low payouts and many exclusions, while income protection insurance is flexible and affordable, says Kevin Carr, a consultant with Protection Review.
They have been the subject of millions of mis-selling claims because they had so many exclusions that it was hard to claim, or were sold to those such as the self-employed who were unable to claim.
Seldom remarked is that there are so many exclusions and inclusions in both indexes that historic comparisons are meaningless.
Worse still, individuals who lack the negotiating leverage that organizations exercise on behalf of their members wind up paying the highest rates for coverage and then are left to hope they won't get trapped by one of their policy's many exclusions or loopholes.
Similar(49)
This would be expected as many exclusion criteria are more common among the oldest people.
Randomized trials, especially if associated with complex and strict protocols and many exclusion criteria, often give us the ability to know much but only about a world that does not exist.
30 Another possibility is that preventive drugs could have a less favourable balance between benefits and harms when used in general populations compared with in pharmacological trials, which often use many exclusion criteria.
5. To minimize the factors that could potentially bias the results of the study, many exclusion criteria were used, therefore the generalizabilty of the findings should be considered when interpreting the results of this study.
Our study has some limitations, including: a small sample size because of the study population coming from a single center; presence of potential confounding variables (mood disorders, BMI, medications, body image, socioeconomic/education status); and limited generalizability, given that patients were recruited from one clinic and that there were many exclusion criteria.
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