Critical Illness Definition and Pre-existing Conditions / Related Conditions for Claim

Hello DarkScore 

I am Brian one of the Community Champions here at Macmillan. I have just noticed your post has gone unanswered and although I can't answer it (I have a different cancer) by me replying it will be "bumped up" to the top of the group and hopefully be seen and answered by other members of the testicular group.

Having read your post a couple of times here's a couple of suggestions-

* Would your oncologist be able to give you an answer.

* Would one of our Specialist Cancer Nurses be able to answer your question - here's a link to them - Ask a Nurse. 

I do hope you get some answers. If I can do anything else for you please don't hesitate to contact me.

Best wishes - Brian.

Thanks for your guidance Brian, much appreciated.

Yes, would be good to know of others' experiences on here on this type of thing but in the meantime I will query things per your guidance, which are great ideas. Thanks again.

Hope your own cancer journey is going in the right direction and wishing you all the best.

DS.

Hello DarkScore 

It's no problem we're happy to help. I am technically "cancer free" but let's see where we go at my next PSA test - you never know in this game!!

On the Community we encourage members to put their personal journey in their profile, it has two benefits, it helps folk know what's wrong with you and how they can help and also it's a reminder of where you've been. You can read anyone's profile (providing it's been done) by clicking on their user name or avatar.

To update your profile on your home page click on the chair - top right, then profile and then edit. Once you have written something remember to save it.

Anything else just ask.

Best wishes - Brian.

Firstly I’m no doctor and as you already appreciate the devil is in the detail regarding any type of insurance claim however if you look at it this way regarding tissue invasion the sheer fact that you had your testicle removed proves that if you not had it removed it would have gone on to spread and eventually cause death makes it a critical illness and as long as the policy includes tc cancer I’m confident your claim will be successful good luck in the future 

Hi, 

I also had a PT1 seminoma- no spread/ invasion elsewhere and clear bloods like yourself. I was paid out under my insurers (not the same as yours) critical illness policy without any issues.  

All the best 

Hi All, best wishes to everyone in their journey with TC. I have recently been diagnosed with seminoma pt 01. My histology reports reads as follows "MICROSCOPIC: The testicular tumour is a seminoma with extensive GCNIS and invasion of the rete testis stroma. There is no invasion of lymphovascular spaces, spermatic cord or epididymis. There is residual normal spermatogenesis in areas away from the tumour. No other germ cell elements are seen. Local excision is complete. DIAGNOSIS: Right orchidectomy: Seminoma, 20mm dia, pT1, completely excise".

My critical illness policy states the following in relation to cancer "Cancer - excluding less advanced cases 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, and lymphoma except those that arise from and are confined to the skin (including cutaneous lymphomas and sarcomas). For this definition of cancer, the following are not covered: • All cancers which are histologically classified as any of the following: • pre-malignant, • cancer in situ, • having borderline malignancy, or • having low malignant potential. • All tumours of the prostate unless histologically classified as having a Gleason score of 7 or above or having progressed to at least TNM classification cT2bN0M0 or pT2N0M0 following prostatectomy (removal of the prostate). • All urothelial tumours unless histologically classified as having progressed to at least TNM classification T1N0M0. • Malignant melanoma skin cancers that are confined to the epidermis (outer layer of skin)".

Appreciate thoughts on whether my claim would be valid or any guidance would be appreciated on this matter?

I have submitted a claim but have not heard anything yet.

Hi Darkscore, hope your TC journey is going ok, I am wondering how you got on with your claim? I have recently submitted mine for pt01 seminoma.