Hi all, I’m currently trying to claim on my critical illness cover, does anyone know when the effects are said to be permanent? Thank you

[Beardieman87]

Insurance claim following Encephalitis

[AliBBeerDrinkerSing]

My financial advisor said any effects which are long lasting count- including things like memory loss/impairment . Not sure how long these need to be in effect for.

[Beardieman87 in reply to AliBBeerDrinkerSing]

Thank you for the reply, it’s the duration that’s puzzling me. I don’t understand how they can or can’t say that the effects will be permanent.

[MasterBaker in reply to Beardieman87]

Hi, you may need to speak to your Dr about it, and maybe get a letter as proof. Hope that helps xx

[Gandalf2]

I have the same question, the after effects of Enc do vary tremendously from person to person and also as individual recovery progresses. This can affect legal measures such as will-writing and power of attorney as well as health insurance claims.The Encephalitis Society phone line in the UK has proved a pretty authoritative source of guidance for us. The medics say I'm clear now, but I'm still on a range of steroids, anti-seizure tablets, pain relief for spinal fractures sustained during my seizures and anti-depressants. That doesn't sound very cured to me - just under control .....

I still have to try a bus ride, a walk to the crowded supermarket and cooking something a bit complex.

The memory loss is the most devastating and probably most permanent.

I have trouble remembering past events or retaining current information - what day is it again? Have I had breakfast, medication etc.?

Not knowing the most personal details of one's past is quite difficult. Where was I married?

Am I married? Who is that face in the mirror?

A little like brainwashing but it can have a funny side from time to time and you forget the unpleasant memories too.

[Remos]

Did you manage to make any progress with your claim?

[Beardieman87 in reply to Remos]

Not yet, basically I need to speak with a consultant and they will decide when any effects are considered to be permanent. Looks like a long road ahead...