Critical illness insurance payout?

[khgguikicks]

I completely forgot I had CIC in the chaos of my recent diagnosis, I will obviously be ringing them tomorrow. I’m pretty sure my diagnosis will qualify (grade 3 invasive, will be at least stage 1, sadly) and no related exemptions. I can’t do anything about it at 7pm on a Sunday, so I’m just curious if anyone has had any issues getting a pay out and how long it took? I’m with Royal London.

I claimed on CIC. I had no problems at all. It took a couple of months to be paid. The insurance company also sent out an oncology nurse to help with any issues I may have had.

I claimed for my dh's stage 3 diagnosis back in Feb. It got paid within weeks!

My critical illness policy paid out very quickly, not cancer, MS diagnosis.

Providers usually pay out quickly on proof of diagnosis. You will need to check that your diagnosis is covered under your policy. Your policy schedule (sent out when you took the cover out) will list included conditions. Equally Royal London will be able to confirm. There is usually a dedicated claims number and that is the one to use as you will get straight through to the correct team.

I wish you all the best with your claim and treatment.

I claimed with Aviva for invasive breast cancer and it was all very simple and quick. I uploaded proof and they contacted one of the Breast nurses at the hospital. I also got a small interest payment for the time between making a claim and the payout.

Thanks all, they rang me last week and said I was eligible. They’re just confirming with the hospital the authenticity of the letter I sent them. Will be interesting to see if my income protection is as straight forward, I found the lump within a month of taking that one out 🙈 (well I already had it but I had it expanded due to higher commitments and wages) I’m expecting some investigation into that one!!

Check the working of your policy. Some need a clear 6 months between taking out the policy and diagnosis.

as long as you have valid cover, they will just check the dates. They will probably ask if you have any signs of symptoms of your illness before you took the policy out, Even if you hadn’t seen a doctor about them.

@Lifepolicy policy kicks in from the day I took it out, but I have a 6 month deferral period (due to my work’s sick pay policy). I’m actually hoping to not use it as I have very thorough work cover but obviously I don’t want it voided as I know I would struggle to ever get a new policy.

I found the lump about a month after taking the policy out, and went straight to the GP. I do have an email chain of me trying to set the policy up about 8 months prior but we kept getting delayed for various reasons, my cancer has been caught very early, I doubt a lump would have existed 8 months ago (and I sure as heck wouldn’t have sat on it!) so I hope it just shows what it is, a malignant coincidence!