Insurance providers constantly update their offerings and sometimes these upgrades are passed onto existing policyholders.

However, sometimes these upgrades are not passed onto existing policyholders, which means that clients may not have up-to-date offerings.

This can be detrimental where, eg an old trauma insurance policy pays a coronary benefit only if the insured has open heart surgery.

With the advancement of medical technology more of the same procedures are performed without open heart surgery which means the insured may not be able to claim a benefit they might otherwise be eligible for, if they have the latest insurance product available from their provider.