Breast cancer and life / critical illness cover

starrystarry

If your partner answered no to the question regarding lumps etc, then you are going to have difficulties with your claim I'm afraid. I understand that she didn't think it was significant but it did need to be disclosed. It's likely the underwriters would have requested some information from her GP and they may well have applied an exclusion to the critical illness cover if they'd known about the lump.

As others have said, you'll need to put the claim in and see how it goes. Best wishes to your partner for a speedy recovery.

haras_nosirrah

If she went to the gp in march complaining of a lump then took out a critical illness policy shortly after and didn't declare that she had had a lump then I would be 99% sure it will be a void of the policy due to non disclosure. From the insurance companies point of view having someone claim on a policy only two months after taking it out is going to be looked at very closely and that she had been to the dr complaining about a breast lump this will be a pre existing condition which will not be covered. It will probably look to them as though she has taken the policy because she is concerned she has breast cancer (how many people do we see on here who say that they have damaged something. Can they now get insurance and put in a claim in a couple of weeks) while this is nowhere in the same league and while I am sure your wife did not intend to not disclose the question did not ask if she had been diagnosed with cancer but whether she had had a lump and the answer should have been yes. Put in a claim as you never know but don't rely on the money paying out as I doubt it will. Concentrate on her health at this time.

ACG

This might end up coming down to their underwriting stance.
If they would have accepted you even if it had been declared you may/should get a payout.
If they would not have accepted you had it been declared then you will probably get your premiums back.
If they would have accepted you subject to increased premiums then you may get a partial payout.

Bit of a tricky one to answer. Although I suspect that Aviva could be leaning towards not paying out. I always say to answer the question as it is asked, not how you think it is being asked or should be answered.

The question is pretty straight forward, it doesnt mention anything about what happened after noticing the lump.

haras_nosirrah

I think that the policy only being live for a couple of months and so recently after the gp visit may also affect their stance - e.g. they may think it is a deliberate non disclosure rather than accidental (if the op's wife had had the lump 4 and a half years ago and believed it to be over 5 for example they may be more inclined to be lenient and do a partial payment or similar)

ilesmark

All

Thanks. I think she viewed the lump and whether to disclose it following the 'nothing to worry about' from the locum in the same way as 'do I really need to disclose EVERY GP visit every time I get flu or any ache or pain?!'. She took out the policy when she did as she'd been meaning to get round to it for some time and her IFA, who she's used for other things, had encouraged her to do so as she was due to turn 40 in September and the premium would have risen after that.

She had recently started an exercise class in March and assumed the pain was a result of that. Depends on what the locum wrote in March, but maybe we will try saying she visited the locum complaining merely of pain in the breast and not say owt about any lump.

We are on holiday right now and are due to see the hospital again on 7 January (we asked whether we needed to cancel the holiday but they said to go ahead with it).

I'll let you all know how we get on.....think we'll also have a chat with a solicitor about that locum though ��

notanewuser

ilesmark wrote: »

All

Thanks. I think she viewed the lump and whether to disclose it following the 'nothing to worry about' from the locum in the same way as 'do I really need to disclose EVERY GP visit every time I get flu or any ache or pain?!'. She took out the policy when she did as she'd been meaning to get round to it for some time and her IFA, who she's used for other things, had encouraged her to do so as she was due to turn 40 in September and the premium would have risen after that.

She had recently started an exercise class in March and assumed the pain was a result of that. Depends on what the locum wrote in March, but maybe we will try saying she visited the locum complaining merely of pain in the breast and not say owt about any lump.

We are on holiday right now and are due to see the hospital again on 7 January (we asked whether we needed to cancel the holiday but they said to go ahead with it).

I'll let you all know how we get on.....think we'll also have a chat with a solicitor about that locum though ��

You appear to have swapped usernames, OP.

rs65

ilesmark wrote: »

Depends on what the locum wrote in March, but maybe we will try saying she visited the locum complaining merely of pain in the breast and not say owt about any lump.

Stick to the truth.

dunstonh

It is difficult for anyone to call this but insurers normally look at the point of symptoms. Not diagnosis. If they go by the symptoms then this is a pre-existing condition.

I suspect Aviva will treat the insurance as a non-disclosure case as she answered no when the question should have been yes. If so, they will look at how they would have considered the application with the correct disclosure. This was typically involve writing to the GP asking a range of questions. That may also have lead to further tests before deciding to offer cover but those tests cant take place now.

My gut tells me that, based on the limited information we have, the insurer will decline the case for non-disclosure.

inspectorlund

Notanewuser - OUCH! That's what comes of using 2 different devices and not checking which one is signed in with which username.

Thanks for pointing it out. I'll be more careful in future.

cavework

Quote
It is difficult for anyone to call this but insurers normally look at the point of symptoms. Not diagnosis. If they go by the symptoms then this is a pre-existing condition.


I applied for life insurance this year. I am 54 and during the application being processed I suddenly realised I had given incorrect information on the application form.
I had a mammogram that showed something abnormal, then another mammogram which resulted in 2 biopsies and finally a surgical biopsy to remove the lump.
The results were negative and TBH because of this I did not at first think it was relevant over 8 months later when applying.
But when I submitted my application for life insurance , the company emailed me a copy of the application I had submitted and I noticed the question re any medical procedures during the last x amount of years.
I contacted them and explained, they then contacted my Doctor for medical information.
I was then approved..
If I now do God forbid develop breast cancer in the future surely there is no way this can be perceived as a pre -existing illness?