Can I Get Critical Illness Insurance If I’ve Had Cancer?

I’ve recently had cancer and although I’m now in remission it’s made me think about my finances and protecting my family should I fall ill again in the future. Is it possible to get Critical Illness Insurance after I’ve had cancer?

Question asked by Ruth Stone

Obtaining Critical Illness After You’ve Suffered Cancer

It is possible to obtain Critical Illness Cover if you’ve had cancer. However, this will depend on a number of medical factors such as:

  • The severity / stage of the cancer and whether there was lymph node involvement
  • The type of cancer
  • The date of your last symptoms
  • The treatment you had (e.g. chemotherapy vs surgery).

It’s more difficult to obtain Critical Illness Cover if you’ve had cancer but it really does depend on the details.

If an insurer does accept your application it is likely that they will exclude cancer from the policy, so you may not be covered if the cancer returns.

However, this depends on the type of cancer, the staging and severity.

It may be that an insurer doesn’t place a cancer exclusion on the policy if you’ve had a less severe form of cancer, such as a non-invasive skin cancer, but this will depend on the insurer.

Speak to an expert

If you are unsure or would like further advice then please contact one our specialist protection advisers on 02084327333 who will be able to talk you through the process and advise you on the most likely outcome.

We’ll take down details of the cancer you experienced, speak to each insurer on your behalf and come back to you with a narrowed list of which insurers are likely to offer you the best terms, if cover can be arranged.

Very good service from Rauri – he has been very helpful and thorough.

Kathryn Wright
16/05/2021
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