I was wondering if someone has made any critical illness claims to total mortgage protection (TMP) with the Halifax. I have read over this forum and know that many of you have managed to successfully claim CI but mentioned other insurance providers.
I had breast cancer in March of this year and had a wle Grade II 12mm invasive ductal carcinoma and had intermediate DCIS too which made the tumour 20mm. I had 15 SNB which was benign. Tumour was ER strongly positive and Her2 Negative and am on tamoxifen for 10 years.
A lot of people have said to ring the Halifax to check whether I would be entitled to claim and to be honest its been the last thing on my mind but today decided to ring up to query and they said that breast cancer is covered barring this exclusion; all tumour which histology described as pre malignant, non-invasive or cancer in situ. The advisor was very nice and said that there was no deadline to make a claim and took my telephone number to get an agent to ring me back and see if I would be elligible but it would be in the new year.
So I'm not sure whether a claim can be made and I have tried looking online for any info but I know what insurance companies are like if they can get away without paying out on a policy they generally will try. I know I had invasive ductal carcinoma but is it called in situ because it never spread past my breast? Are Halifax known for loopholes as I had part IDC & part DCIS? Also is Grade II 'serious' enough to be considered critical illness?
Lynda5165 - I'm really shocked on your insurance companies decision! To go through what you have had a to go through and not be considered critical?! I have no words!!! I hope that your recovery is going well. Sending big hugs to you and lets hope the new year brings better health fairies for us all!
So I guess i'm just trying to find some answers to save going mental over the weekend.
Any help would really be appreicated.
Take it up with the ombudsman. I was a broker for 46 years yes I am an oldie but you have to fight them to the end. Good luck
Hi just read your comments and am pleased to hearnyour insurance has paid out. Unfortunately I have not been so lucky. I was diagnosed with extensive grade 8 DCIS and had to have an immediate double mastectomy. My insurance company HSBC life (which I belive is underwritten by Aviva) will not pay my claim as DCIS is not a critical illness to them. What was I supposed to do - wait for it to spread? If I had had low grade micro invasion and only needed a lumpectomy they would have paid but widespread highest grade DCIS is not considered by the powers that be to be something worth paying out for. My life has been turned upside down by cancer and I have had life changing surgery but its not good enough for them. if you have critical illness insurance you might be better putting your money elsewhere!
Hi, just to encourage anyone with CI cover and not sure whether to submit a claim, I heard this morning that my claim was successful, so there's the mortgage wiped at least, and a tidy sum left over x
Thanks for the info andypaps, I currently have a claim in against critical illness cover included with an endowment I took out in 1996. I had DCIS low grade and IDC grade one, no lymph node involvement. Currently waiting on my consultant responding to Aviva so that they can assess my claim.
I just thought I would give some information about my experiences on behalf of my Missus.
She was diagnosed in August 2014 with breast cancer and it had spread to the nodes. She has now made a full recovery. (Treatment finished May 2015; Chemo and radiotherapy after a one side masectomy).
She had Critical illness cover (over 10 years) initially Colonial (I think) and they were taken over my Old Mutual who were the present company. We had no idea that this cover would be relevant until we started to move house and were told she couldn't get critical illness cover due to her illness. It was only then (11 months after diagnosis) that we checked the cover as initially we thought it was an income protection scheme. Anyhow the illness was listed but we were concerned now about claiming in a relevant period from diagnosis.
The original policy didn't mention anything about time to claim. Just this week the policy paid out. It actually went back to the date that the diagnosis was made , and the company even gave interest on that balance. It also repaid all the monthly premiums from diagnosis.
The whole process from claim to payout took 5 weeks (but only because our oncologist was on holiday for at least 2 of them and he needed to sign off the paperwork).
Hello i just wanted to post this so it incourages others to look at there insurance policy thankyou for all the posts encourageing me to pursue a claim because the insurance company has paid up in full.
It will help me moving forward in the future.
Thanks again anita
Thanks for your replys the insurance forms are on the way after so many years of paying for it and the journey im on with the cancer it would be a great weight of our shoulders to receive some finacial help.
Thanks again anita.
Thanks for your reply
I was first diagnosed with just the DCIS 1CM high grade but told it was more extensive after the MRI scan.
Then when i had my op it was 3CM and 6MM was IDC,
So the IDC was found once they operated on me and not diagnosed right at the start do you think i will still be able to claim.
Hello could anyone give me some advice/hope, I was diagnosied with breast cancer in sept i was told it was DCIS and about 1cm and was a high grade,i was then sent for a mri scan to get a better picture of it which showed it to be more extensive than first thought.
I have now had a mastectomy and immediate reconstruction which i am recovering from now.
I have since been back to the hospital to see the consultant who told me it was 3cm in total 2cm on the turn and 1cm full cancer.
I received a letter yesterday saying my surgery had revealed high grade DCIS with a 6mm focus of IDC II,30mm in total the sentinel node biopsy was negative.
My policy was oringnal with colonial but has been taken over by a couple of comanys over the 16 years i had it freinds life are the company now.
My policy says no cover for DCIS but does cover invasive cancer do you think i would have a claim because of the 6mm of IDC.
Thanks for any replys
Hi everybody, I started this thread last year and thanks to all your advice I made the claim, I sent it in January 2013, my claim took 5 months to go through as my Consultant lost my notes and after a lot of telephone conversations my claim was finally successful. I have been mortgage free since July last year, and I can tell you it was a great relief. So if you have critical illness and you are not sure whether to claim, do it because I didn't think I would be covered and I was. To be mortgage free makes all the difference to your recovery and your life.
So go for it if you have it.
Hi Lakeslover, thanks for taking the time to reply.
I still dont know whats going to happen with the insurance company as my consultant hasnt sent them his report yet. I had ANC surgery on Tuesday and he is waiting for the histology from that so he can give them the full picture.
He has told me the lymph node was missed last year as apparently the procedure for identifying the SLN is only 95% accurate and he believes the channel to the affected node had become blocked so the radioactive dye couldnt drain into it.
If I had had lumpectomy/ WLE I think I would struggle to get the claim backdated as an invasive cancer could have developed post surgery but as it is breast cancer in the node and I had a mastectomy in Feb 2013 I have not had any breast tissue there for a new breast cancer to develop. Then again what do i know about how this disease works !
Anyway I will just have to wait and see, its not my main priority just now as I am feeling so sore and exhausted from this last surgery I just want to start feeling better. Ive found this worse than the mastectomy and the reconstruction.
Welcome to the forums, I'm sure other users will be along to support you soon.
In addition to the support here we have a free helpline where the staff are on hand weekdays 9-5 and Sat 10-2 with a listening ear for you. The freephnone number is 0808 800 6000.
I am new here I had a mastectomy in January 2013 but my critical illness claim was refused when the pathology report confirmed the tumour was DCIS.
I had a DIEP reconstruction 3 weeks ago and have just learned that a lymph node removed during that surgery has cancer cells in it.
I have seen my original consultant who said the node been missed during the mastectomy last year.
I have contacted the insurance company and have to complete a new claim form but they have not indicated if they will treat this as a new claim or backdate it to Jan 2013. The policy value decreases annually so it will affect the amount I am paid if this is now deemed to be a qualifying cancer.
I worry they will say the tumour removed was DCIS so cant be what has now been found in the lymph node. I cant find any reference to a situation where a DCIS has progressed to an invasive cancer so am not even sure how it spread to the lymph node.
I am having to deal with so much at the moment recovering from the reconstruction and now facing prospect of treatment for an invasive cancef which could have spread anywhere in the last 13 months. But at least if my mortgage is paid off I can relax a bit re the finances.
Paid of my mortgage today - thank you guys and what a relief not to hav a mortgage.
Best wishes for all your help and support