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Scleroderma and Critical illness insurance


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#1 Shona Arthur

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Posted 19 July 2010 - 04:46 AM

Hi,

I am 32 and was diagnosed with sclero two years ago. Currently I have hand and feet involvement, plus some gastro issues. I get yearly heart and lung scans plus barium meals - yummy!!

Have been not too bad and am coping fine. My problem is that as we run our own farm, we have high levels of life and critical illness insurance. Our financial planner from our bank came to review our policies as they were put in place before I was diagnosed. Apparently as a sclero sufferer no insurance company wants to take me on for any new policies. Is there anything I can do or any advice anyone has. Can I claim on my existing policies? Is sclero a critical illness - I hope not as I plan to be around to be a granny when my children grow up. This has thrown me a little so any advice would be great.

Thanks.

Love,

Shona

#2 Amanda Thorpe

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Posted 19 July 2010 - 07:40 AM

Hello Shona

I looked into this issue about 2 years ago for someone else with scleroderma. Critical Illness insurance pays out if the policyholder gets one of the critical illnesses covered by their policy. You need to find out whether your policy includes scleroderma, in addition whether it pays out for primary or secondary illnesses. For example if you had primary pulmonary hypertension a policy might pay out but may not pay out for pulmonary hypertension secondary to scleroderma. In other words they'd pay out for PH but not PH as a result of scleroderma.

You could also have a look at the website for the Association of British Insurers (ABI) to see what they say about critical illness cover. I have tried to look at their site now but it's a bit slow moving!

Getting insurance once you have scleroderma can be problematic, I was told 2 years ago by my current life insurance policy holder that they won't give me any "new" insurance. However I believe that the Scleroderma Society has a list of insurers that will take people with scleroderma so try ringing their helpline on 0800 311 2756 9am to 9pm for information.

Whether you'll ever need to call in your insurance is by no means certain because while some people end up being unable to work like myself others are able to continue to do so. Scleroderma effects everybody so differently, for some it's life changing and for other no more that an inconvenience.

Take care and keep posting.
Amanda Thorpe
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#3 Shona Arthur

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Posted 21 July 2010 - 06:39 AM

Thanks Amanda

I am seeing my Financial Planner tomorrow again and I will pass this on.

Shona