Insurance and MPNs

10 months ago•3 Replies

Dear all,

I have never had critical illness cover just life assurance for mortgages, in the past 10 days I have been diagnosed with an MPN - due to mutation of the JAK2 gene as I am sure you all know only too well. So my question is; if I don't know the current specific condition as I am waiting for a bone marrow biopsy apt, could I apply for critical illness cover? Has anyone applied for this after diagnosis and been paid out?

Guess I always thought critical illness was just an easy way for insurance companies to squeeze money out of sensible people, think hindsight could be used here!

Thanks

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Leukaemia

3 Replies

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piggie50

10 months ago

Hi,

I think you know the answer to this one. ha ha.

I used to work in the industry. As you say, you have been diagnosed with a MPN, a bone marrow biopsy will just confirm the diagnosis. ( I didn't have a BMB until 7 years after my diagnosis). I've had PV now for 11 years. Critical Illness cover includes a lot of questions on the application form that may not be on a life insurance application. An insurance company would not cover you for you then to put in a claim. I would imagine you have no chance of being accepted for critical illness cover. Sorry if this sounds harsh.

I might add that I also had the same thoughts as you re CI cover as it was so expensive. I didn't take it out either!

Best wishes going forward, you will find lots of support on this site and lots of reliable information on mpnvoice.org.uk

Judy