Critical illness cover

Its worth inquiring with your insurance company. My next door neighbour deals with such policies amongst others. When I got my cancer he asked me whether I had critical illness. His company does pay out but I believe its down to staging and gleeson etc. You need to check the small print.

Eddie

Bri

Just to say I claimed on my policy as soon as I was diagnosed the wording on the policy stipulated that ,the claim was paid out in full and the policy finished,I suspect that's how it would be for any critical policy,I've never tried to get another it was  to cover the mortgage taken out back in the 80's.

I've filled in the paperwork & sent it off. It's only for the balance of my mortgage & the final payment is November so only a couple of thousand. Would be nice though & pay for the inevitable boiler replacement as the current one is as old as the house and almost 25.

Every morning, whilst putting the kettle on & letting the dog out, I check in the utility room, see the old boilers flame burning & give the old girl a kiss. I do the same to the boiler too!

Fingers crossed.

Thanks again guys

Edited by member 22 Jun 2014 at 18:55  | Reason: Not specified

I claimed against my CI policy, paid out in full within 8 weeks of being diagnosed, paid off a massive lump of the mortgage. No quibble, as soon as they got the medical forms back, they agreed the claim the same day. My policy was taken out in 2000 and a lot of the definitions have been tightened up since then as my exclusions made no mention of staging or Gleason scores....nice to have something go my way for a change.....

Kev

Too true!

Whilst sorting out and organising my 'important' paperwork, I discovered I had CI cover in an endowment that I had left running after paying off the mortgage a couple of years back. Previously I thought it only had death benefit.

I also discovered it had a '6 month after diagnosis' time limit on claims. Luckily I found this out at 5 1/2 months!...

It didn't mention Gleason or Staging, but one exclusion was cancer 'in-situ'...

Took them a couple of months, but they've just paid out in full :)

Moral of the story: If you think you might have cover, check it NOW, before it's too late!

Just a few thoughts to add to this:  I have CI cover arranged as an optional benefit through a scheme sponsored by my employer, administered by Scottish Widows. In the small print is the key sentence 'To make a claim you must call Scottish Widows for a claim form ... within 21 days of being diagnosed for the first time' (my italics / bold formatting).  That is awfully fast, although it does go on to say 'If you have not been able to notify us by then please still contact us as we may still be able to consider your claim.'

When I was diagnosed in the summer it all happened so fast, and it was just that I was sat at home feeling sorry for myself that I decided to look up to see what the claim process was.  Thankfully it was only about 18 days after diagnosis, but it was getting close to the wire!  Fortunately, the claim form was simple, and the copy of the letter from my consultant to my GP had all the info they needed, and they paid out.

As has been posted above, they will not pay out for prostate cancer if it is 'Histologically classified as having a Gleason score below 7 and TNM classification below T2bNOMO that are treated only by observation, surveillance and/or surgical biopsy' or 'Classified as TisNOMO or Prostatic intraepithelial neoplasia (PIN)'. 

When they rang me to say that they would pay on the claim they added that whilst I could continue the CI cover, they would not pay out for anything that might be considered related to the original condition.  In practice that makes it very unlikely that they would pay out if I was diagnosed with any other kind of cancer (they may take the view that one led to the other), and if I was to suffer a heart attack which might be linked to any medication I was taking as a result of my treatment for PC that too would probably be excluded.  as a result I may not be continuing with the cover.

The key thing for me is therefore always read the small print, and don't waste any time in making a claim.

Edited by member 02 Dec 2015 at 11:15  | Reason: Not specified