Hi all - has anyone had a successful claim on critical illness insurance for AC? My policy states the following (see below) but does not list SCC as being covered - i'm worried that they may say it is skin cancer. Does anyone have any experience in this - or had a successful claim?
It is Legal and General.
Thank you in advance
Any malignant tumour positively diagnosed with histological confirmation and characterised by the uncontrolled growth of malignant cells and invasion of tissue. The term malignant tumour includes leukaemia, sarcoma, pseudomyxoma peritonei, merkel cell cancer and lymphoma except cutaneous lymphoma (lymphoma confined to the skin).
For the above definition, the following are not covered:
Hi AuroraHunter
II hope you don’t mind me commenting, because I didn’t have critical illness cover myself, but my thinking is that you need to look at this slightly differently.
You don’t have skin cancer, you have anal cancer which is squamous cell which means it originated in the cells of the anus. Lots of cancers originate in these types of cells, but they are not called skin cancer. “Squamous cell” is a description of the type of anal cancer you have, just as it could be a description for example of cervical cancer.
Anal cancer would satisfy the company description of “malignant tumour, and uncontrollable growth of malignant cells and invasion of tissue”. For me, I had no spread to lymphnodes or metastasis, but I did have a malignant tumour, with spread to the tissue around my cervix. I would therefore have expected the company to pay out if I had a critical illness policy.
Ultimately, you would need to call Legal and General to confirm you can claim, and I hope it’s successful for you.
Sarah xx
