Critical Illness Cover

[Jackyk]

My husband suffered a out of hospital cardiac arrest 2 years ago, had a stent fitted and as a result suffered from cognitive impairment secondary to hypoxic brain injury.

He has tried his hardest to 'get his life back' by returning to work but had to leave as his memory is letting him down.

We have claimed on his critical illness cover and wondered whether anyone has any experience of their claim and how it went.

Jacky

[SAH-survivor]

Hi Jackyk

I suffered from a SAH stroke and we were covered. You need to look at your policy in detail. If he has permanent brain damage, you may be covered. You have to prove theor are neurological deficits from the brain injury.

[sospan]

I had a fall / head injury which meant that I couldn't work or return to work.

I was in such a poor way that I couldn't even remember I had critical illness coverage. It was only when someone casually mentioned it, that we remembered I had it.

What nobody really explains on the policy is the time it takes to receive any funds from the policy. I had assumed that once you were incapacitated for the cover period e.g. 3 months and had the doctors "sick notes" they would start paying.

We had to fill in a huge number of forms and then go to an independent medical assessment and then wait for them to process the reports. I took nearly 9 months from when we made the claim to get any funds.

Hope your process is a lot quicker

[timmarshall666]

I had 3 polices and had a very serious accident , not been to work for 6 years since. I was advised that I had to cancil my direct debit to non essential payments . I had explained why I have to stop payments. ( thank you Mr Marshall for your service over the years) as I have a brain injury I did not no that I had cover ? By the time when I had been told by my support worker that my policy had permanent and critical care cover I phoned back. It then been over 3 months with out any payments to them . They said it's to late to make a claim now even though they new all my cover and my injuries.

[johnny1963]

Hi,

My ex girlfriend, (we're still good pals!), Had a stroke and due to her inability to pay the mortgage was just about to have the house repossessed. She contacted an independent financial advisor and he informed her she had taken out cover to protect her.

She didn't know. They made the claim together and all was solved.

It's shocking what you're not told of by your mortgage lender.

Go see an independent advisor. It's Thier job. They will advise you. Independently.

Good luck to you.

John