Hi all
What a great website and 'community' spirit nice to see some positive thinking surrounding such a negative subject. Apologies up front for the long winded post but if anybody can offer any advice or comment on their own experiences surrounding critical illness cover I'd appreciate it...
...I was diagnosed in March with an Invasive Nodular Malignant Melanoma on
my back (originally went to check a different suspicious mole and discovered this one
on my back by accident!) and have subsequently had two minor (although
sizable scar!) operations to remove it.
It was recorded as 0.7mm depth on the Breslow scale? A nurse
specialist has recently advised me that I would be eligible to claim on my Critical
Illness insurance because it was 'Invasive' and 'Malignant'. I
requested the claim forms from my insurance company last week who told
me over the phone that there are no exclusions associated with this
condition (with it being Invasive) and they would send out the relevant forms in the post.
My question...Does anybody have any experience of claiming against a 'critical Illness' insurance
policy? Despite it being confirmed as 'Invasive', is 0.7mm significant
enough to satisfy the insurance company - given there are no exclusions,
or are they likely to avoid settling at any cost? I just wondered what
the likelihood of success might be? My claims history is clear and all
medical history has always been fully disclosed. Maybe I'm being too
skeptical when it comes to insurance companies?
The only negative (apart from the cancer itself of course) is that I
was diagnosed in March and the policy states that they must be notified
within 13wks of diagnosis. However, It was not fully explained to me by
the hospital until last week that the cancer was in fact Invasive and
that they suggest I could claim...hence the delay.
Thanks in advance :D
Nigel
