Ovarian Cancer & Life Insurance

Being diagnosed with a cancer can be a frightening and uncertain time for you and life insurance may be something that you think of, we are here to help and support you throughout the process.

Things we need to know to get started:

• When were you diagnosed with ovarian cancer?
• What treatment did you have?
• When did you last have treatment?
• What staging and grading was the ovarian cancer?

An application for insurance for those who have had ovarian cancer will be reviewed by the insurer approached and life insurance is often a possibility, depending on the individual circumstances. The insurer will have a primary focus upon the staging/grading of the cancer, the presence of any lasting complications and the time since your last treatment.

Where the cancer was classified as low staging/grading and a long period has passed since your last treatment, life insurance may be available at normal terms. If the ovarian cancer was classed as high staging/grading and/or you recently had treatment it is possible that the insurer will offer you policy terms at non-standard rates.

If your cancer was recent, this may result in cover being postponed for a number of years from last treatment.

Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.

When applying for critical illness cover ovarian cancer will need to be fully detailed to the insurer in regards to the severity of the condition, the time since your last treatment and any complications you are left with. Any offer of critical illness cover that you have will likely come with some form of a cancer exclusion.

Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.

Terms for income protection for those that have had ovarian cancer will again be dependent upon the grading/staging of the cancer, the amount of time since you underwent treatment and any lasting complications that you currently experience.

Where the cancer occurred some time ago income protection may be available at standard terms, depending on the staging/grading. Where the cancer has caused lasting complications, was of a significantly high severity and there was recent treatment, income protection may be subject to non-standard terms. This may involve a cancer exclusion and/or a premium increase.

GET AN INCOME PROTECTION QUOTE

When the terms of income protection are not suitable for you may wish to consider accident, sickness and unemployment cover. An accident, sickness and unemployment policy will provide short term income protection of between 12-24 months if you are unable to work due to disability, severe illness or are made involuntarily redundant.

This type of policy is not medically underwritten which means that your ovarian cancer will have no bearing on the acceptance terms. Any claim that you make will exclude anything related to your ovarian cancer and you should familiarise yourself with exactly what you are and are not covered for.

GET AN ACCIDENT, SICKNESS AND UNEMPLOYMENT QUOTE​

Are you going on holiday? Make sure that you know what your travel insurance covers you for, after your cancer diagnosis. To find out more about arranging travel insurance after cancer, please visit our dedicated page here.