Sickness & Accident / Income Protection - What the insurance companies won't tell you!

There is a difference between Life Insurance companies and General Insurance companies with their sickness and accident policies. Many people look for cheaper alternatives when it comes to their Income Protection or Sickness & Accident policies and go ahead with a policy with a general insurer such as NRMA or GIO, etc.
These companies have good reputations and there is nothing bad about them, however, if you take up a sickness & accident policy and you have a claim in a few years, more often than not, they will NOT renew the policy at the next renewal date. This is something that the insurers won't tell you.
The other thing is that if you wan to claim, with general insurers, they require you to be unable to do any type of work whatsoever regarding your usual occupation. If you were to use a Life Insurance Company, they will guarantee to use your policy each year, regardless of whether you have a claim or not. They also only require you to be unable to work in '1 of your normal duties' to have a claim paid.
I believe that these are extremely important issues that insurance companies usually don't tell you as they really only want your premiums. So next time you are looking at getting an income protection policy, make sure you ask about these issues to save yourself a fortune!