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Critical illness insurance, is there time frame for claim

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  • 19-10-2013 5:39pm
    #1
    Helium
    Registered Users Posts: 362 ✭✭


    Don't know if this the right forum but please move if not Mods.
    Had a Heart valve replacement just a little over 3 years ago.
    Just today noticed on house insurance policy that we have critical illness
    cover that includes operation I had.
    Was wondering do any of intelligent people on Boards know if there is a time frame in which I should have claimed or does this vary with different insurers.
    Thanks in advance.


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    #2
    Pablo Sanchez
    Closed Accounts Posts: 1,207 ✭✭✭Pablo Sanchez


    Do you mean that you have critical illness cover on your mortgage protection (life insurance) policy?

    If so, check out your policy documents it will confirm the t+c's, but personally i have seen payments made years after the actual illness occurred.


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    #3
    GerardKeating
    Registered Users Posts: 7,651 ✭✭✭GerardKeating


    Helium wrote: »
    Don't know if this the right forum but please move if not Mods.
    Had a Heart valve replacement just a little over 3 years ago.
    Just today noticed on house insurance policy that we have critical illness
    cover that includes operation I had.
    Was wondering do any of intelligent people on Boards know if there is a time frame in which I should have claimed or does this vary with different insurers.
    Thanks in advance.

    As the other mentioned, you need to check the T&C for your policy, but many require prior notification for planned surgery. Obviously not for emergency procedures.


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    #4
    Helium
    Registered Users Posts: 362 ✭✭Helium


    Thanks for replies. Need to find T&C, as I have misplaced them. Sure I'm sure if I ring insurers (Mortgage protection) they'll let me know.
    Just it being the weekend and all was bit anxious to find out.


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