Polycythemia and critical illness cover

[Nozboz]

Hi all

Thanks for all those who said about making a claim on their insurance. I made a claim a couple of months ago and have just been paid out with no trouble at all. Thanks to all those who mentioned it on here as I would have never thought of it otherwise. xx

[bordeauxgirl]

Can you please give info on what you mean by claiming on insurance for critical cove? what sort of insurance how does it work I really don't understand how what and where. dumb or what thanks .

[Paul42 in reply to bordeauxgirl]

Hi,

Its like a life insurance policy you take out.

So a life insurance policy pays out if you die but critical illness pays out an amount if you get a serious illness.

How much depends on the level of cover you opted for when you took the policy out. I think a lot of people have this cover without realising so always worth checking what policies you are paying for.

Thats what happened to us, we had been paying an insurance for about 20 years and it was only when i said to my wife what is this we are paying we got the paper work out and then realised i could claim.

Worth checking through the drawers to see what you have. Could be lumped in with life insurance.

Paul

[bordeauxgirl in reply to Paul42]

Thanks Paul, Oh well that lets me out hubby never bothered with life insurances. x

[Aime]

That's great news, kind regards Aime x😺😺

[Nozboz]

Mine was through work so if you are in any of the emergency services you may be covered through their insurance scheme if you pay into it. x

[nightssky]

hi I'm new to all this & pleased to here your success with your claim

I have cover with legal & general ..I've just been reading the small print and it says they pay out if you have less than 2 months to live ...but from other threads on here I'm not seeing any thing about 12 month to live looks like some companies pay out & some do not ...some that have paid out are L &G so I'm a bit confused ?? any input from yourself and others reading this thread would be great ...as most threads on the subject are quite old maybe things have changed now it's 2018 ?

[EleanorPV in reply to nightssky]

I claimed on my critical illness insurance policy for PV. The key information is: what does your policy cover you for? Mine covered me if I was diagnosed with any cancer.

[nightssky in reply to EleanorPV]

ok thanks it's all about the small print then cheers Hun

[EleanorPV in reply to nightssky]

Yip. But might be best to phone your insurance company and ask what you are covered for.

[GolferCL in reply to nightssky]

Do you only have “terminal illness” rather than “critical”? I was insured with Scottish Widows and got payout no problem.

[nightssky in reply to GolferCL]

defiantly critical with L & G I need to get my head around the small print ! do you know if it makes a difference if the condition is primary ie with jak2 positive or if it's the secondary type ?

thanks for your reply

[GolferCL in reply to nightssky]

I don’t I’m afraid. I’m ET, Jak+ and when I called my insurer, they said over the phone “yep, you’re covered”. Call them up and ask...