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Critical Illness Insurance

neliethecat
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I have has critical illness insurance for several years.

I was recently diagnosed with vulval cancer which presents as a squamous cell carcinoma. I am due to have surgery next week where they will be taking away quite a bit down there then following it up with radiotherapy.

I have checked my policy and it says it doesn't cover squamous cell as it's a skin cancer, which I find shocking. Basically I am going to have a very feminine part of me removed, be in lots of pain, have my life and lifestyle affected and ability to do everyday things like sitting and walking for periods of time severely affected. Plus a chance of spread or reoccurrence or further surgery and yes you can die of it, but it doesn't count as critical.

Has anyone else had this issue?

 

Parents
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    Hi,

    Usually, with skin cancer, Insurance won't pay out if it's not invasive. They won't pay out for melanoma unless it's become invasive (Stage 1 or above). I suggest you contact your insurance company and explain that you have internal SCC and that you are going to undergo radical surgery. They will probably ask for either sight of your histology report (which you are eligible to ask for) or a letter from your consultant. So please ring them & hopefully, rare occurrences like yours, are accepted by your insurance provider. 

    Good luck and I hope your surgery goes well,

    Angie (melanoma patient)

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    Hi,

    Usually, with skin cancer, Insurance won't pay out if it's not invasive. They won't pay out for melanoma unless it's become invasive (Stage 1 or above). I suggest you contact your insurance company and explain that you have internal SCC and that you are going to undergo radical surgery. They will probably ask for either sight of your histology report (which you are eligible to ask for) or a letter from your consultant. So please ring them & hopefully, rare occurrences like yours, are accepted by your insurance provider. 

    Good luck and I hope your surgery goes well,

    Angie (melanoma patient)

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