Polycythemia and critical illness cover - MPN Voice

MPN Voice

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Polycythemia and critical illness cover

Nozboz profile image
12 Replies

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

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Nozboz profile image
Nozboz
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12 Replies
bordeauxgirl profile image
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 profile image
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 profile image
bordeauxgirl in reply to Paul42

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

Aime profile image
Aime

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

Nozboz profile image
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 profile image
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 profile image
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 profile image
nightssky in reply to EleanorPV

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

EleanorPV profile image
EleanorPV in reply to nightssky

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

GolferCL profile image
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 profile image
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 profile image
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...

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