Critical illness policy - problems with claims

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21

Thanks for your replies. I keep looking at the letter sitting there on the side and it makes me so mad. I’ll try your suggestions thanks
Jacquie

22

adejude - i agree with your last comment. i was dx in march this year and i am still having problems with scottish provident. they have been asking my gp and consultant for all the info and wanted more info from me, i have sent them the additional info they wanted 4 weeks ago and am still waiting for a reply from them. those insurance companies should not be allowed to get away with treating us the way they do. i told their agent or rather answered all his question with 100% honesty and now they are adding to my stress of dealing with bc by being difficult.

  • they were quick enough to accept my policy payments!
23

I had a policy for Terminal Illness with Norwich Union. My onc confirmed that my brain mets were terminal, so I applied for a pay out and was surprised how easy they made it and how quickly they paid!
Love, Lynn

24

Good to know that your policy paid out, Lynn, and without a fuss too.

I had dx this Feb of DCIS (high grade) with possible microinvasion. Had mastectomy and diep reconstruction in March and someone mentioned that my critical illness policy might pay out.

However, Norwich Union told me that any diagnosis which involves DCIS (no matter what the grade or the treatment) is exempt and that I didn’t qualify.

Has anyone else had this experience - and is it worth pursuing this in the hope that they will pay out?

Lizzie

25

My policy specifically excludes “in situ” and pre-cancers ,check the wording of your policy carefully.But if its the same as mine I can’t see them paying out.
Sorry,
Dot
xx

26

I have had my critical illness paid out from Scottish Provident.Howevr, it was only after lots of to-ing and fro-ing between them and my wonderful GP who fully supported my claim as I’ve nevr been sick.(even through 4 pregnancies).My claim was sent to assessors in London before it was finally sorted.(interest added for the delay)
Tricia

27

Thanks for that Dot.

Tricia - can I ask what your diagnosis was?

Lizzie x

28

I have posted a thread regarding the insurance ombudsmen, hope it helps!

Jules

29

Check the small print, my insurance company only paid out 25% of what I was owed as I hadn’t kept them infomed of changes in my mortgage rate, even though they are in the same office as the mortgage lender! Any excuse not to pay out seems to be rule of thumb with these low-lives. Having caculated the premiums I paid them over the years, I’ve basically only received these back, and they’ve had the privilege of receiving my money every month to go off and invest for their benefit…

Has anyone tried taking out a new critical illness policy post closing a bad, difficult one? Are the worth the paper they are written on, or are any worth recommendation? I’d be interested to know.

Lou

30

I had a critical illness policy with HSBC life which paid out within 6 weeks of being diagnosed with secondaries. No problem at all. I have two more policies one with Scottish Provident and one with Legal & General for terminal illness. The only thing is that I have to have been told that I have less than 12 months to live. I was told this last year when I was dx but I am still here 12 months on so I don’t no whether they will pay out without a fight. I have only just put in the claim to these ones.
Caroline