Critical illness – our client’s claim story
This story has been written by our client who’s critical illness claim was paid last week. She took out a decreasing term life or earlier critical illness policy with Ageas Protect in August 2009. It had an original sum assured of £175,000 over a term of 25 years and she was paying a premium of £34.69 per month.
Our client’s story in her own words:
A happy 36-year-old met someone special in January 2011. Everything was going well, I couldn’t have been happier. I had bought my house in 2009 and had to be grown up and responsible for doing this. As I was taking out a mortgage, I took out Life and Critical Illness cover along with income protection to protect my home and life.
I had suffered from PCOS (Polycystic Ovary Syndrome) from my teenage years. Due to this, I had a routine biopsy in late December 2011 to check the cells of my uterus. Polycystic ovary syndrome (PCOS) is a common condition that affects how a woman’s ovaries work. The results seemed to take a while. The hospital sent me a follow-up appointment to see the doctor, pre-Christmas and then cancelled it. They rebooked it for mid-January 2012.
I went along to the appointment on my own, since I was expecting it to be just a routine Gynaecological appointment. The hospital went about things in quite an unprofessional manner. There was some sort of nurse/specialist nurse checking files, running off, going to see the doctor, running off again. I knew something was not right as usually, it is just a regular nurse that sees me.
I saw the Consultant along with a junior doctor. The specialist nurse and the Consultant told me that I had cancer just like that! I was quite matter of fact about it all. I asked what the results had shown, and what I had to do next. They told me the cells shown were cancerous. That I was to be referred me to UCLH and be under their special care. I was constantly asked if I was ok since I hadn’t broken down on the floor.
I was referred within a week, the longest week ever. During this time I had an MRI scan too. This didn’t show anything. I was given options at UCLH and I made the decision to have a hysterectomy. I couldn’t wait to see if the other options offered were working or not, and then have to have a hysterectomy regardless.
Luckily I made the right decision, there was a 3cm tumour growing in the middle of my womb, and the MRI hadn’t picked this up! I had the operation mid-February 2012 and off work for 6 weeks recovering.
I did dig out my policy, read through it, thought that my cancer had to be terminal to make a claim. Since mine wasn’t, I put it away and forgot all about it.
Until I had a call from Future Proof a few months ago to review my policy etc. All was going well until I was asked about my current health. I mentioned last year I wasn’t too good but was fine now. I explained what had happened. My Adviser went through my current policies and explained that many people thought cancer had to be terminal to claim for Critical Illness. This was a common misconception.
I rang up my insurer’s critical illness claims team, explained the situation and they sent me out a claim form to complete. I completed it and sent it back by signed for post. When I spoke to them again, they had written to both my GP and consultant. The GP had responded but they were awaiting reports from my Consultant. This was finally received by them last week and I had a call to say my claim had been successful.
I cannot thank Alex enough, if he hadn’t explained and clarified what I had thought had to be terminal, I wouldn’t have had such an outstanding outcome.
All our case studies are based on actual client scenarios, many of which pre-date 2020. We are confident that the acceptance decision made by the insurers would still be offered. Although it is likely that the rates will have changed, your own circumstances will determine whether what amount will be payable by you and would be fully discussed with you before any plan is implemented.
Please note that any premiums mentioned are indicative only and based on this specific case study/ example, which is shown for information purposes only. Your own circumstances will determine whether the amount payable is more or less than the figure quoted.
Whilst you are welcome to get a quote online we would recommend you speak to one of our advisers.
Any quote your adviser provides you with will take into account your circumstances, your medical history, as well as your budget!
An online quote is just that – a quote – it isn’t a definite offer of cover. What really matters is the premium you are offered, after your application has been assessed.
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