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Melanoma

A support group for anyone affected by melanoma to come together, share experiences, and ask questions.

Vitality insurance claim with melanoma

innah
Posted by

Hi,

 Has anyone tried to submit a claim on Vitality here? I was recently diagnosed with melanoma stage 3B.

latchbrook
Posted by

Hi  and a very warm welcome to the online community although I'm sorry you've had to find us.

How are you?  Can I ask if this claim is for critical illness cover and do you have something in particular you need to know before claiming? Vitality Insurance isn't a company I've personally had any dealings with.

x

 "Never regret a day in your life, good days give you happiness, bad days give you experience"

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innah
Posted by

Hi Latchbrook, Im good, still a bit shock of my recent diagnosis of 3b melanoma, at 24, it isnt something I am expecting. How about you how are you? Yes, I am covered with vitality for critical life cover. And I wonder if anyone had a claim with this in the group

latchbrook
Posted by

I'm not surprised that you're still in shock . It's not a diagnosis you expect at your age,

I don't recall anyone in the group mentioning Vitality Insurance before, but that's not to say no one on here has claimed just not mentioned it. If it's critical illness cover you have then it should say in your policy documents which cancers they cover and will pay out on. If you can't find the information just give them a call and they'll tell you. I would imagine you'd need to speak to them on the phone anyway to start the claim.

I'm well thank you. Went for another 3 monthly check-up last Wednesday and everything is still okay. Are you having further treatment for your melanoma?

When you have a minute could you pop something about your journey so far into your profile as it really helps others when answering or looking for someone with a similar diagnosis. It also means that you don't have to keep repeating yourself. To do this click on your username and then select 'Edit Profile'. You can amend it at any time and if you're not sure what to write you can take a look at mine by clicking on my username.

x

 "Never regret a day in your life, good days give you happiness, bad days give you experience"

What is a Community Champion?

Stayingpositive31
Posted by

Hi Inman,

ive just found out I’m in a similar position. Caught it a little sooner but wondering what the pros and cons of claiming through vitality might be.

any pearls of wisdom or advice?

Rower1
Posted by

I have currently put a claim in with vitality life. I am stage 1B. They told me that up to stage 1 you can get up to 25% of your critical illness money. So basically you get a percentage so that not all of the money is given in a lump sum. The remaining money will stay there incase it is needed in the future.

They have received my medical documents and are apparently reviewing my claim. Fingers crossed I will get something.

Jo 
Stayingpositive31
Posted by

Thanks for the heads up.

I’m stage 2a. Great job catching so soon. I’m a bit confused, never been on a sunbed, must be the latent ginger gene...

I / We are a bit nervous about the impact on premiums, holiday insurance and not being able to move for the next 5-years.

debs45
Posted by

I am a stage 2A and recently claimed my critical illness cover with Scottish widows. 

They require confirmation from the hospital. I gave them a copy of my histology report and result confirmed by nurse specialist. After that it was processed quite quickly, within 2 weeks I had a payout. I received 25% of my total cover so it was a nice amount. 

Had my WLE and SLNB a week ago and if there are positive lymph nodes I will be stage 3 and Scottish widows informed me I will be able to claim more possibly the total. Fingers crossed it’s not spread though!!!

Good luck

D :-)

Stayingpositive31
Posted by

Thanks for the heads up D.

hope you caught it all. Best of luck and have a great Christmas and new year.

G

Irondad
Posted by

Hi Everyone,

I was diagnosed with a Stage 1 melanoma in December and am currently awaiting a WLE.  I also have comprehensive serious illness cover with Vitality an have submitted a claim.  The forms were sent to my consultant last Friday, but I haven't heard anything back yet.  I'l  keep you posted as and when.

debs45
Posted by

Hi

It can take a bit of time for the consultant to get round to sorting insurance claims. It maybe be worth chasing next week by contacting his/her secretary or ask nurse specialist to chase it up. 

hope it all goes well for you.

D :-)

Irondad
Posted by

Thanks debs45,

I chased up the hospital on Friday and although I posted out the paperwork two weeks ago, they have no record of receiving it.  I've asked Vitality for another set and will deliver by hand this time.

debs45
Posted by

Oh no that’s frustrating! I’d be tempted to wait while they complete it!

My insurance company didn’t send forms they were happy with evidence of histology report and an email to back it up from nurse specialist. I think that’s unusual though and usually takes a bit of time from start to finish.

Irondad
Posted by

I’ve just heard from the SCN secretary and my forms have arrived with them. My notes have been requested so hopefully should be completed fairly soon. I feel really guilty about adding to work loads, but hopefully it is just a matter of requesting the notes, signing them and sending them off. 

Stayingpositive31
Posted by

Hi Irondad,

Sounds likes there’s been a gear change. I think we have a race on. My forms were submitted around the same time.

Waiting for date for WLE and SLNB, end of Feb I think. Talking to Vitality Nurse on Friday too.

don't really know what to expect yet.