Anal Cancer and Critical Illness Insurance

I should add mine luckily has not spread to lymph nodes and is classified as T1N0MO

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

AuroraHunter

I don't have any helpful advice to offer but I see that Sarah has given some good advice, I really hope that your claim is successful.

Irene x

Thank you. I hope you are recovering now. I don’t think of it as skin cancer but just the chance that L&G might write it off as skin cancer -  I would appeal against it. It’s not a huge payout but would pay off some debts. 

i agree I need to see what they say - my consultant has replied to their request for information so I need to wait until it has been assessed. I’m an overthinker! 

Thank you Irene a hope all ok with you 

Hello, I have had a successful claim yes. I was insured with Aviva. They did ask for a lot of my medical history but I have Crohn’s disease which caused a bit of a brief delay. However they did pay out eventually. I would certainly pursue the claim if I was you as it is not really a ‘normal’ skin cancer is it! 

Thanks for the reply. I agree it’s definitely not a normal skin cancer! Hope all good with you now. 

Hi

So pleased I have read this as my critical illness policy also states the same..

I'm worried they won't accept my claim..

I will contest this if they reject my claim..

Thanks for raising the question and all the helpful advice 

X

Hi everyone - my claim was successful. I had a lengthy wait as consultant took an age to respond to the forms but the payout was very quick once they had the information they needed. 

Hi AuroraHunter thats great news, well done for persevering.

Nicola