Critical Illness+

Transcript not available

Transcript not available

Transcript not available

Kirsty: My whole understanding of what insurance policies and insurance companies can do has changed.

Hi, my name is Kirsty. I'm in my early fifties and I was quite happily going through life, working, living at home with my dog, out and about.

Around about my 50th birthday in the march, I got a call for a mammogram, and they discovered a primary but advanced tumour, and I remember sitting with the breast care nurse who was lovely, and I remember her asking me to put my arms above my head as she drew onto the affected breast and told me that I had a large lump in there.

And I just remember looking out of the window trying to catch my breath, looking at the people walking by and thinking, life is never going to be the same.

Everything changed. It's been really hard. It's been two years out of my life now. So the last thing you want at that point in your life is to have to worry about whether or not you're going to be able to feed yourself, heat the house, run the car… and that's where the insurance policies came in.

So one of the policies was the income protection. That was just a real lifeline in many ways. There's a lot of expense that I wasn't expecting to have, like little silly things that all stack up like car parking at the hospital, maybe extra dog walking and maybe a cleaner. So that's been a big eye opener for me.

I also had critical illness cover. It's been a huge source of support in the sense that it's given me peace of mind. I hadn't even realised that there was more to the policy than just ‘just’ paying me out, paying money.

I was really surprised to get the rehab support, I had no idea that that would be included when I thought of insurance policies, I just thought of finance.

My whole understanding of what insurance policies and insurance companies can do has changed.

 

Income Protection+ offers rehabilitation services. We assess each claim and whether to offer rehabilitation on an individual basis.

Early intervention and rehabilitation support services are non-contractual benefits that Aviva can change or remove at any time.

Income Protection+ pays out if during the policy term, you’re unable to work due to illness or injury and suffer a loss of earnings as a result.

Critical Illness+ pays out if, during the policy term, you’re diagnosed with one of our list of critical illnesses that meets our definition, and you survive for at least 10 days.

For both products, there is no cash in value at any time.

Your financial adviser can explain how Aviva’s critical illness and income protection products work and when they would pay out.

Aviva Life & Pensions UK Limited. Registered in England No.3252947. Registered Office: Aviva, Wellington Row, York. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number 185896. Member of the Association of British Insurers.

Early intervention and rehabilitation services are not insurance products and are not authorised or regulated by the Financial Conduct Authority or the Prudential Regulation Authority.

Emma: I went for the results, and the consultant’s first words when I sat down in the office were, “I’m really sorry. It’s not good news.”

Emma: I'm Emma, I'm a children's nurse. I’m currently working in education. I have grown-up children 23 and 25, and I'm currently undergoing treatments for lobular breast cancer.

Emma: I had some lumps in my breast. I had an operation to remove what they thought was three fibroadenomas. They'd removed the fibroadenomas, but they'd found invasive lobular carcinoma.

Emma: That was a big shock because I really wasn't expecting that. My second operation was planned. It was quite an extensive operation, but unfortunately, when I got the results of that one, they'd found five different tumours, quite a lot more cancer than they had expected. They'd also found that it was in my sentinel lymph nodes. I had to have a mastectomy and they checked some more lymph nodes, again, not expecting them to be positive, but there were a couple that were positive.

Emma: I started chemo, and then I'll still need some radiotherapy and I’ll need some hormone therapy, probably more long-term. This was all quite a lot because originally, I was told I'd need about eight weeks off work. I looked at my critical illness insurance. Your head is in a spin with everything going on, but that was the one thing that looked positive.

Emma: There's not very many positives about being diagnosed with breast cancer, and there's so many worries that you have, but actually, this was something that I could do actively. The claim process was really easy. When the claim was paid, it was a lot of relief. I was very lucky, and I get good sick benefit, I get six months full pay, six months half pay, but I realized that I would probably be going to half pay. And actually, having my mortgage paid was a complete relief.

Emma: Chronic illnesses take a long time. You need the cover, to cover you while you're ill. It's an expense you can't afford not to take. But I'm just so grateful that we bought that policy.

Critical illness insurance pays out a lump sum and is designed to help support you and your family financially.

It’s there to help you focus on your recovery without worrying about how the bills will be paid.

You can choose how long you want the policy to last and the amount of money you’re covered for.

Your financial adviser can explain how Aviva’s critical illness works and when it would pay out.