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Critical Illness Cover

PoppyS
Member

Re: Critical Illness Cover

Thank you - not a huge wooping amount compared to some to come but it is paying the mortgage off which is fantastic news - treatment finished and ready to roll on with life.

 

Thanks everyone for all your support and advice - happy new year 

Duffer56
Member

Re: Critical Illness Cover

I am so pleased for you. It makes such a difference as it means you don't have to worry about anything other than getting through the treatment and getting better!
X
PoppyS
Member

Re: Critical Illness Cover

Just to let everyone know that I received a phone call from the insurance company today and the claim has been successful, should be paid into the bank this week.

 

Thank you everyone for your advice and help, its taken about 2 weeks, which included christmas to get this paid. 

 

Such a relief 

PoppyS
Member

Re: Critical Illness Cover

Received the claim form - keep your fingers and toes crossed everyone even got my histology report which has the word 'invasive'!!!  Thanks for your advice x

PoppyS
Member

Re: Critical Illness Cover

I hope it is that simple..  Just need that form to arrive in my inbox.  Fingers and toes crossed it is that simple.  Will keep you posted and thanks for all your help on this forum.

 

Best wishes 

Duffer56
Member

Re: Critical Illness Cover

When I made my claim I was asked for the name of my oncologist then whent he claim form came I had to sign it to give my permission for them to contact him. I also spoke to the oncologist's secretary to let her know that they were going to contact him - the only other paperwok was my bank details!
It was three weeks from phone call to insurance company to money in the bank.
Fingers and toes crossed! X
PoppyS
Member

Re: Critical Illness Cover

I hope not. Although the policy is very confusing and  I had a struggle to find the pollicy  and did request another one.  I have the statement of payment, histology reports and all the radiotherapy dates and treatment.  Just waiting for the form to be emailed over.  I'll get it filled in as soon as possible.  Mine was invasive grade 2 and not in situ!! So they should pay out.   I just hope they don't follow that small print.clause which is very confusing.  

 

Any advice is very gratefully received 

Lakeslover
Member

Re: Critical Illness Cover

It shouldn't make a difference. The clause is there for different illnesses where it may not be possible to get they evidence they need to prove the illness met the criteria laid down in the policy. But for breast cancer that is very very unlikely, and in your case you know it doesn't apply.

They will probably ask for a report fro your doctors but it might help speed things up if you send a copy of the histology report with your claim form.

PoppyS
Member

Re: Critical Illness Cover

Thanks Carol and I am just waiting for the claim form to arrive via email.  I've got everything from histology report to all my dates for radiotherapy.  I am hoping that the delay wouldn't make a difference.  i took it out in 1997 and being paying £32 a month so they have had over £5k from me.  Keep fingers and toes crossed everyone!  Its just not been a lucky year and this would be fantastic news if I did finally get something.  

Duffer56
Member

Re: Critical Illness Cover

Hi PoppyS

Get the claim in as quickly as possible. I would hope that the delay wouldn't make any difference as it would be extremely hearless of them to try to wriggle out of it based on you undergoing treatment and having other things on your mind at the time.

On a smaller scale I had cover for hospital admission which I realised covered day patient appointments which I hadn't claimed for and there was a deadline of 3 months on that and I didn't realise until after 6 months but I explained to them and it was paid out.

Let me know how you get on

 

Best wishes

 

Carol

PoppyS
Member

Re: Critical Illness Cover

Can anyone give me any advice - suddenly realised last week that I have critical illness cover on my mortgage.  however, when I read the small print it does say that one of the reasons a claim may be void is that I had to notify them less than 3 months after diagnosis and the problem is it has been 4 months.  It was invasive stage 2 - would the claim be void as my thoughts were all over the place and trying to fight the cancer and have radiotherapy....  

 

I am going to submit the claim as I have been paying for 15 years. 

Lakeslover
Member

Re: Critical Illness Cover

Definitely invasive is always covered.

Just a note for any ladies out there wondering if they may have a claim with DCIS, some of the newer policies do make a limited payment for DCIS, some where it is treated by any operation, some only if you have had mastectomy.

So my advice is to check your individual policy, and if you are in any doubt give your company a ring. The claims team should be happy to tell you if there is any cover for DCIS, and for both DCIS and invasive cancer they will explain how to make a claim.

Duffer56
Member

Re: Critical Illness Cover

Hi, my invasive cancer was so small it was only 2mm and only picked up on the pathology following the mastectomy. It was a straight yes or no with the Pru - invasive (no matter what size or grade) yes, in situ no!
I know I gave been through a lot but having the mortgage paid off has bade such a tremendous difference it has allowed me to get my priorities straight and concentrate on getting better.
Good luck to all of you who are in the same position.
X
Duffer56
Member

Re: Critical Illness Cover

Glad my info was useful. X
Lakeslover
Member

Re: Critical Illness Cover

Yes, any invasive breast cancer will be covered, including grade 1.

Southcoastbeachgirl
Member

Re: Critical Illness Cover

Tanlou just re-read my post and realise I didn't clarify Duffer's point about IBC v DCIS. I think that as you have an IBC diagnosis your insurance company will support your claim. I don't think the grade is the deciding factor, just invasive as opposed to in situ. Really hope you get good news as it makes a difference to peace of mind. X
Southcoastbeachgirl
Member

Re: Critical Illness Cover

Hi everyone, I would agree with all comments so far. It was thanks to reading Duffer's comments that I looked into the insurance that I had and discovered I could make a claim - huge thanks Duffer ☺
I am insured with Aviva and the whole process so far has been very easy - the two forms were sent back and then I waited for my oncologist to do his bit. Unfortunately, he was on holiday and now on a long term absence so in the end I took some action myself and sent the original oncology letter stating that I had invasive breast cancer etc etc. Aviva phoned last week to say that my claim had been agreed! A huge relief and as others have said, it relieves the pressure about work and gives you time to recover as needed. Good luck x
Tanlou
Member

Re: Critical Illness Cover

Hi Karen I too have just made a claim with friends life, how did you get on.  They were very nice on the phone and they sent me forms to sign and they have contacted my Consultant who has also responded to thme yesterday.  My diagnosis is Grade 1 with no lypmh node involvement, so I am not holding my breath as you read so much bad press about insurance companies, but it will make a difference to me how soon I have to rush back to work following all the treatment.

Tanlou
Member

Re: Critical Illness Cover

I have just been diagnosed with grade 1 invasive breast ductal cancer, I have made a claim through my friends life critical insurance policy, could anyone advise whether their claims have been successful. 

Duffer56
Member

Re: Critical Illness Cover

I had a MX because of a second bout of DCIS. I had Critical Illness insurance and it said cancer was covered but not if it was in situ.
When I got the results of the pathology on the MX there had been a 2mm area of Invasive Ductal Carcinoma.
I phoned Standard Life and they said there shouldn't be a problem. They sent me two forms - one was to give them premission to contact my oncologist and the other was for my bank details.
Two and a half weeks later they phoned to say that the calim had been processed and they were paying the money into my account!
All in all - three weeks from diagnosis to payment!
from what I gather with my policy if it was 'in situ' then no - if it was invasive then yes!
it is such a relief as it means I can pay off my mortgage and return to,work on a part time basis!
Pamsie43
Member

Re: Critical Illness Cover

Thanks for reply ..my insurance company requested information from my G.P and surgeon ..they haven't requested any from oncologist ..You are right it is another stress I could do without at the moment ..I'm going to ring insurance company again mid week to see if they have recieved additional information they have requested ..then I don't know how long after that I will have to wait for a decision... am I right in being hopeful that they will pay out considering my diagnosis did either of you have similar diagnosis with your successful claims if you don't mind me asking x
Sunshine75
Member

Re: Critical Illness Cover

Hi ladies,
I was diagnosed in Dec and contacted my company AXA the last week of January. They advised me it could take up to six months, but they wrote to my onc straight away and within a month the money was in my bank account and the mortgage was paid off. Keep my fingers crossed it will smooths smoothly.
x
Spudgirl
Member

Re: Critical Illness Cover

My insurance company sent me some forms and I got the Onc to fill them out in front of me. Sent them off and payment in bank within about 3 weeks at latest.

Push your GP, I think they forget going through this can be financially draining when you lose income.
X
Pamsie43
Member

Re: Critical Illness Cover

Thanks for reply x 10 days ! i feel like I have continually pushing things along ....but will continue to do so thanks very much for reply .
horsie5050
Member

Re: Critical Illness Cover

Morning. My circumstances were slightly different but i can give you something to compare with. I had my oncologists report and path lab reports etc before I put my claim in. Scottish Widows took about 10 days to pay my claim.. Sounds like you may need to make an appt to see your GP, and ask what the hold-up is. Push it along yourself, or nothing will ever happen..
Good Luck!

Pamsie43
Member

Re: Critical Illness Cover

Hi does anybody know roughly how long it takes to get a decision from insurance company re; critical illness? Put my claim in about 12 weeks ago ....I have Grade3 invasive diagnosis ..no lymph node involvement ...undergoing chemo now ...then radiotherapy then herceptin and tamoxifen. Our policy was with Abbey National but seems to have been transfered to Royal London ...took out about 9 years ago at £128/ month . Go on to half pay in August and getting a bit concerned ...keep ringing everyone involved which i could do without ...last news was awaiting additional info from G.P and histology report from surgeon.
Pamsie43
Member

Re: Critical Illness Cover

Hi i took my insurance out over ten years ago it was originally with abbey national but has been transfered over to Royal London ..how long should a claim take roughly ? or is that a silly question ...put mine in over 12 weeks ago ..insurance company have written back to G.P and surgeon for histology reports and additional information? Starting to get worried now as go on to half pay in August .Have been paying £128/month so will be a bit sick if they decide not to pay. I have grade3 invasive cancer ..no lymph node involvement ..having chemo now ..then radiotherapy then tamoxifen and herceptin .
RobertB
Member

Re: Critical Illness Cover

[color=#faa0e0]Hi,
[color=#faa0e0]I currently trying to arrange critical illness cover for my wife (30years old) who has a family history of breast cancer (her mother got it when she was 40 years old). I wanted to ask if anyone could recommend a good insurance company that will cover the variety of severities of breast cancer, rather than just the most severe. However, the policy wording is all very confusing with the different providers.
[color=#faa0e0]If anyone could provide some advice based on your experience that would be great. Rather than change the subject on this thread I have started a new one.
[color=#faa0e0]http://www.breastcancercare.org.uk/community/forums/family-history-genetics/critical-illness-insuran...
[color=#faa0e0](Sorry I did not want to 'hijack' this thread)
[color=#faa0e0]Thank you, [color=#faa0e0]Robert
weepixie
Member

Re: Critical Illness Cover

I had a critical illness policy with Abbey Life and my IDC Stage 4 was covered, my GP and consultant completed forms and the claim was settled within a few weeks. It was all so much simpler than I expected.
Mandy, one of the forms I had to complete was about the medical history of close relatives, I'm not sure how this might affect your claim, my mother had been recently diagnosed with ovarian cancer (genetic tests in progress) but that didn't make any difference to my claim.
Mandy_61
Member

Re: Critical Illness Cover

Hi Lynda
I wonder if you could help me, I have recently been diagnosed with breast cancer and have started the process of making a claim on my critical illness cover. The problem that I have is that since telling members of my family about my diagnosis it has come to light that my sister who is 12 years older than I am and who I have very little contact with has disclosed that she had breast cancer about 10 years ago which was successfully treated. As I was unaware of this until now I did not disclose this when applying for my cover, but will obviously have to tell them now that I know. Will this affect my claim?
Many thanks
Mandy
Lakeslover
Member

Re: Critical Illness Cover

Hi Kerry,
i have sent you a PM
lynda

Debibay
Member

Re: Critical Illness Cover

Hi Kerry, I am sorry that you are having a fight for your CI claim, it is so annoying that you are already going through enough with your diagnosis and your treatment without having to worry if you will have a successful claim. I hope that you get it sorted as you could do without this extra stress.
I will let you all know if mine is successful, in the meantime keep positive and take care
Debbie xxx
Tomker
Member

Re: Critical Illness Cover

Hello Lynda,
I'm sorry to bother you but wondered if you could help me please based on yout experience?? I too have critical illness cover. I've posted on Debibays thread to wish her well and was interested to see the thread about CI cover.
I've got a policy via my husbands employer (also my employer) but on ringing they have told him that I should have taken the cover out myself and not via his benefit package. The cost to him that he's been paying for over 6 years is exactly what it would have cost me and the benefit level is also the same. We did it through his pay as he earns more than me and no one has ever asked if we both work for the same company. So far they've said it is in the T's & C's that we should have done the policies from our own pay/benefit package but no one has ever asked if we both work for the same company and it was not on the key information pages. It was hidden in the T's and C's which we have only just discovered when we really need it!
We are waiting to hear from them but I wondered if from your experience there was anything you could reccomend that would help us to ensure that they honor the policy we believed we have got?
Thank you for your help and all the very best in your journey.
Kerry x
Tomker
Member

Re: Critical Illness Cover

Debibay, i really hope your claim is successful. Like any insurance, you pay your money in the hope that you never have to claim but it's improtant when you do that they deal with your claim sensitively and speedily without putting up barriers. As others have said it at least will give you peace of mind at a very challenging and difficult time.Fingers crossed. I was diagnosed 10th January 2013 and am recovering from my WLE, mammoplasty and axiallary clearnace last friday 18th Jan. Sore but not suffering! I thought I had critical illness protection as hubby has been paying the policy via his employer since 2006. We work for the same company and they are trying to say that I should have taken the cover out for myself rather than him doing it. On asking, they have said it is in the T's&C's which looking back retrospectively it is but it was never on any of the application forms and they have happily taken the premiums for over 6 years. We feel completely stupid and cheated and feel that we shouldn't have to have this battle to fight as well as the main one which is to get through the rest of treatment when full details are confirmed from the lab results in a few weeks time. They know its invasive but not the grade,stage etc. I'm scared, stressed and doing what I can to stay positive. Please do keep us posted as to how your claim goes I'm sure from what others have said you will be fine. Good luck xx
dotchas
Member

Re: Critical Illness Cover

Debibay, I had almost exactly the same diagnosis as you( tubular is rare but very good type to have) in 2008 and my CI provider paid out really quickly. My prognosis is very very good but its the "invasive" bit that counts not whether it has spread or not. Good luck x

hero67
Member

Re: Critical Illness Cover

Hi, i was diagnosed with an invasive ductal carcinoma, grade 3, stage 1 in November 2011. I phoned my insurance company, norwich union now aviva, as I had taken out a critical illness policy in 2001. They sent me a form which I filed in and sent to my surgeon who filled in the sections regarding my diagnosis. Two weeks later aviva phoned me to ask if I had had any other breast problems and if so when. I told them about two previous benign fibroidenomas, the first in 2005 and the other in 2009. They thanked me for the information and two weeks after that I received my cheque. I don't know why they phoned me as the surgeon must have informed them about my previous problems, whether they were checking the dates perhaps? Anyway, having had the policy since 2001 there really was no problem. I had a phone call from Aviva telling me that my claim had been successful, and I cried when I got that phone call not because I was so relieved to be receiving a payout (although the money has been useful), but because I knew that my claim would not have been successful if my diagnosis wasn't bad.
Debibay
Member

Re: Critical Illness Cover

Thanks Samlee, my policy says invasive as well, so hopefully they will pay out. Will keep you all updated. It's great to be able to talk about this with people who have been through the same thing, I know it doesn't mean I will get a payout but it is looking promising from everyones comments, but trying not to get my hopes up just in case.
Debbie x
herbgarden
Member

Re: Critical Illness Cover

The grade is the aggressiveness of the cancer. Grade 1 the least aggressive, grade 3 the most aggressive. The stage is associated with the size AND/OR whether lymph nodes are involved. for example stage 1 means a tumour less than 2 cms diameter and no nodes. If the tumour is greater than 2 cms OR has lymph nodes involved it is stage 2 etc. pamx

SamLee
Member

Re: Critical Illness Cover

Debibay, to pick up your point about grade 2 or 3, the grade isn't about spread, that is staging. When I was dx my cover was with Friends Provident. I was covered for any invasive cancer. I didn't have spread to nodes but they paid out because my tumour was invasive so if your policy covers that it should pay out. I gave Friends Provident all the details, they wrote to my oncologist, she filled in the forms and returned them and they paid. My GP was never involved as my treatment was private.

Debibay
Member

Re: Critical Illness Cover

Thanks for the advice Scone, I sent my forms back yesterday, luckily they just wanted details of my consultant and GP and when it was diagnosed, so I assume they will write to them for the full details. Keeping my fingers crossed. x
scone
Member

Re: Critical Illness Cover

I had a policy with Barclays specifically for breast cancer.
I had some great advice before I filled out the form, be very careful on what you 'admit' to. A friend had her claim refused because she had been to the GP and had a hospital admission in the 12 months prior to her being diagnosed for something totally unrelated to her BC but the insurance company were adament that this was enough to void her claim.
even if you've been to hospital as an outpatient be sparing with the details.
My BCN ensured my forms were signed by Consultant as has been said before, they're not the best at returning paperwork.
Good luck with your claim.

Debibay
Member

Re: Critical Illness Cover

Thanks everybody really appreciated you speaking with your insurance companies, I have checked my policy it says invasive cancer is covered but not if it is in Situ, which it isn't. My only concern is that it had not spread to my lymph nodes, so do you think it would still bel covered. I am assuming if you are grade 2 or 3 it would had spread to nodes but not 100% sure about that, or does that fact that it was an invasive cancer it is still covered. xxxx
southpool
Member

Re: Critical Illness Cover

Most will cover invasive not in situ. My consultant completed my forms for me they know exactly how to phrase stuff. Meet with your bcn and fill the initial bits out with her & she will then liase with the consultant. I found the insurance company (Axa) very sensitive & helpful.

Good luck.
S x

xmaseve52
Member

Re: Critical Illness Cover

Hi,I spoke to scottish Widows and you will have a valid claim with them if the cancer is invasive,not if it is In Situ.
xmaseve52
Member

Re: Critical Illness Cover

Hi I spoke to insce co re my cover and if it is invasive you are covered if it is in situ you are not.Dont know if that is rule for all CI cover,would think it is the guideline.
Lakeslover
Member

Re: Critical Illness Cover

Bright grey is a fairly new company and uses the latest wordings. So invasive cancer should be covered.
the biggest thing which determines how long a claim will take is how quickly your doctors respond to the insurance company request for info. This can be several weeks. if you are seeing the consultant it is worth politely asking them, or their secretary if they have returned the report. I did for my claim, and they then did it that day.

sue63
Member

Re: Critical Illness Cover

Hi Clare I have a claim in with Bright Grey for Invasive Ductal Carcinoma Grade 2 so hoping this is covered how long did Bright Greys claim take?
Maire
Member

Re: Critical Illness Cover

If it is invasive you should be covered.Fingers crossed. It really does make a difference to peace of mind.

Debibay
Member

Re: Critical Illness Cover

Clarebane, my policy is with Bright Grey, so I will definitely persue a claim now knowing that they have paid out for you, although yours is a higher grade, it is definitely worth trying.
Lakeslover, thanks for your comment, you hear soo many stories where the insurance companies try to get out of paying you have given me faith to persue. Will let you all know the outcome. I have completed the forms already!!
Thanks again for all your comments xxx
Karen1971
Member

Re: Critical Illness Cover

I'm with friends life & rang the claims line they were helpful , think they said it had to be invasive , most insurers of this type try to pay out than not although I don't expect the process to be quick ! Defo worth ringing them & putting forward a claim , fingers crossed your covered x