Tell me your good or bad experiences... this is a minor problem in the bigger scheme of things. I'm with Aviva through Tesco life insurance. I was advised by call-centre staff I must be diagnosed as terminally ill (within 12 months) and there must be at least 18 months remaining on the policy. My oncologist is unwilling to co-operate with claim submission at this time, because he wants to know how I respond to treatment. Fair enough.
If I don't get a critical illness claim pay-out there are still two years remaining for a life insurance pay-out (upon death) and if I'm lucky enough to survive another two years, I'll be able to renew my policy, but they won't pay-out if I die from this "pre-existing condition." Same goes for most insurance companies.
Is a critical illness a terminal illness?
