Serious Illness Cover (Ireland)

[RadRuby]

Hi I have been diagnosed very recently with ET + Calr.

I have serious illness cover and I’m wondering if anyone in Ireland has made a claim ? Or if it something I should claim. Or have things changed - as there appears to be much confusion around it- My policy states Cancer - less advanced cases.

jeepers if there’s a possible payout to take the sting out of this I’d be happy to apply.

Many thanks

Lil 🙂

[Ettu]

lil,

The equivalent in the Uk is I believe called Critical illness.

You should definitely claim.

Policies here pay out , usually without quibble as Et is now formally classed as a cancer.

This wasn’t always the case so it might be your specific policy excludes it if it is older.

If they resist you should keep pushing. A claim could be life changing.

Also note your policy may require you to lodge a claim very quickly after diagnosis, some times within just a few months so I’d do it now.

You should also check if your employers carry any insurance for you that might payout.

What do you have to lose in claiming?

[Ettu in reply to Ettu]

Good luck. Post back if you need any help.

[JojoWonder]

Hello 👋🏼

We share the same diagnosis, I’m also ET Cal-R and I was successful in my critical illness claim in the U.K 4 years ago. I was with Aviva. The process was straightforward and I was paid out without a quibble. Of course it was 4 years ago and different companies may have different restrictions but it’s definitely worth investigating. Good luck 🤞🏼 Remember to post with updates. I only thought to claim because I saw people on this forum had been successful. I really hope you are successful in your claim x

[gset]

I would apply for it. I had critical illness cover and was paid based on it being defined as cancer. It may need a few forms and a statement from tou4 consultant but do it.

[tracey13]

We had critical illness cover in the UK and our insurance paid out. At first when I rang up they refused me, but after doing research and joining this group I found out that the blood cancers had been regrouped and neuroplasms are new growth there for the critical illness policy covered this .

Tracey

[RadRuby]

Update!!! - My serious illness/ critical illness has been approved with Zurich - it was a bit slow ( admin/ Staffing on their side) but there was no issue of any sort and was very straightforward - full payout within days. It definitely has helped take the sting out of this diagnosis. 🙂

[Ettu]

great news !