Critical illness definition

Hi,

what type of tumour do you have? Do you know yet?

Most ts malignant tumours are invasive, ie they have the ability to spread and invade surrounding tissues. 

Thanks for your reply I will hopefully find out on Thursday what type of Tumour I have when I get my results , my head is spinning with all different ways of describing tc and what to expect from this . Maybe I'm thinking to much or I've read to many horror story's with insurance company's not paying out or giving people a hard time , it's going to be hard enough living and worrying about this the rest of my life now without worrying about being financially secure . 

Hi there

I had a stage 1 seminoma and had an orchidectomy earlier this year followed by a single dose of carboplatin. My critical illness policy paid out immediately once I gave the insurance company a copy of the histology from my urologist. There was no need to persuade them, they just paid up in 24 hours which was a real comfort. If it was cancer then I think it's highly likely they will pay out. 

Hope this is helpful and best of luck to you. 

Tom

Hi tom thanks for your info everything is looking a bit more positive now thank you . 

Unknown said:

Hi there

I had a stage 1 seminoma and had an orchidectomy earlier this year followed by a single dose of carboplatin. My critical illness policy paid out immediately once I gave the insurance company a copy of the histology from my urologist. There was no need to persuade them, they just paid up in 24 hours which was a real comfort. If it was cancer then I think it's highly likely they will pay out. 

Hope this is helpful and best of luck to you. 

Tom

My husband had stage 1 mixed germ cell with some vascular invasion. He had orchidectomy and 2 cycles BEP.  Our mortgage critical illness and Scottish widows critical illness paid out. 

I work in this area of insurance - all companies will pay out for a stage 1 seminoma.  It meets the ABI definition of cancer and companies offer at least this level of cover.

Any problems, please let me know if I can help.

ScotSteve said:

I work in this area of insurance - all companies will pay out for a stage 1 seminoma.  It meets the ABI definition of cancer and companies offer at least this level of cover.

Any problems, please let me know if I can help.

Hi Megan,

hope your husband is doing OK,

I had non- seminoma stage 1B- confined to testicle but with vascular invasion.

My critical illness insurance paid out without any problem with the report from my oncologist.

I'm open to correction but I'd say early stage TC is probably the "best" scenario in which critical illness policies will pay out.

As you said- I found the critical illness pay-out a positive in a crappy situation.  Now that I'm hopefully free and clear of this disease for good I'm hoping that what I put away from that pay-out may allow me to retire a year or two early in years to come!

Best of luck to you and your husband in his recovery

Mark

Mark J said:

Hi Megan,

hope your husband is doing OK,

I had non- seminoma stage 1B- confined to testicle but with vascular invasion.

My critical illness insurance paid out without any problem with the report from my oncologist.

I'm open to correction but I'd say early stage TC is probably the "best" scenario in which critical illness policies will pay out.

Best of luck to you and your husband in his recovery

Mark

I'd almost agree.... an early / small melanoma would also likely have an excellent prognosis but with less invasive surgery.  

I've never had a small melanoma removed but I have had a large mole removed .... and the TC surgery was much worse!

Best wishes

Steve.