SAH and Aviva -critical illness cover

[Dadoftwo35]

Hi EveryoneI had a SAH on 27th August where I fainted at home and began vomiting, so was taken to hospital by ambulance and was operated on the following day where I had the coils fitted.

I spent 10 days in hospital before I was discharged.

We've been paying Aviva monthly for Critical illness cover and we are now in the process of claiming, when we initially spoke to Aviva they weren't sure if this would be covered so they took it away and called back a few days later to advise it might be covered under a stroke and to submit the forms. We've submitted the relevant claim forms and today I had a call from my GP who has had contact from Aviva asking if I've got "neurological deficit". I explained the symptoms that I've got which are:

Neck pain

Exhaustion

Ear ringing

Memory issues

After discussing each of these with the GP I asked them what would be classed as "neurological deficit" and the GP advised that he wasn't sure but would respond to Aviva explaining the symptoms I have.

I just wondered if anyone has had a similar experience in terms of the claim and been asked the same question from their GP?

I might be over worrying about this as we've not had the outcome of the claim yet but would be great to get some more info from people in the same situation.

Thank you

[cat3]

GPs are generally clueless on Neurological matters. If you phone the secretary of your hospital consultant and ask for written evidence of your SAH and its consequences, they will have the answers needed, and I suspect Aviva won't doubt the seriousness of your issues.

If you don't know it, your consultant's name should be on your discharge notes ; otherwise reception can put you through to the ward you were on so they can check their system.

Good luck Dadof2 ! Cat. x

[Alibongo60]

Hi Dadoftwo, I had my SAH in 2017 and claimed on my critical care insurance and I had no problems, it was classed under a stroke and I was paid straight away, it seems to me they are being a bit fussy, not what you want to have to fight to get when your not well, lots of luck love Alice xx

[sealiphone]

you look at the 52 conditions covered in the critical illness policy, one is "Traumatic brain injury resulting in permeant symptoms".

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[S21NTE]

My husband had a successful claim with Aviva CIC when he sustained his TBI, one of the bleeds was a SAH. We got the consultant to complete the claim forms.

I work in financial services and wrote my husbands policy many years ago. Aviva are very good with their claims figures, and rest assured they do look at ways to pay the claim and not reject it.

Wishing you all the best.

[Kirk5w7]

Hi

My husband had quite a tussle when I was in a coma with encephalitis with my critical illness insurance provider.

They said it was not covered and initially refused to pay out.

It took a letter from the consultant at the hospital to explain the situation to the insurers who then paid out.

I was not able to work when I recovered sufficiently to leave hospital and although recovering extremely well, still suffer many “ neurological deficits” eleven years on.

Good luck and keep pushing.

Janet