Cancer occurs when cells in the body multiply and grow abnormally and attack body tissue and organs.
The disease can take many forms – over 200 hundred – and may attack vital organs such as the lungs and liver, tissue such as the breasts and, through conditions like leukaemia it can attack the blood. It affects. Over half of all diagnoses are for breast, lung, prostate and bowel cancer. According to Cancer Research UK, more of us are being diagnosed with cancer, mainly due to our ageing population. It starkly reports that “Half of us will hear the words ‘you have cancer’ at some point in our lives”. However, the charity notes too that thanks to a better understanding of the disease and modern treatments, survival rates are increasing.
Your risk of getting cancer increases with age and this is driving the increased incidence of the disease. But there is no one single cause of the disease, Cancer Research point out that a combination of factors is at work: genetics, lifestyles and environment. But within those factors you can pinpoint particular risks such as smoking, which is credited with causing most lung cancers, over-exposure to the sun and habitual drinking of alcohol. When your health insurance policy is being set up, your insurer will normally ask about a family history of cancer or any other risk factors, and take these into consideration. Around 40% of cancer cases could be avoided by adopting a healthier lifestyle, doing things like stopping smoking, reducing alcohol intake, eating more nutritious food and taking more exercise. Many private health insurance policies encourage you to adopt healthier choices by including health and wellbeing programmes These can offer incentives, such as discounted gym subscriptions, and access to helplines offering professional medical advice.
Yes, although the benefits and treatments available will vary depending upon the insurer and level of cover you have chosen. Options include “top ups” to care provided by the NHS to policies dedicated to private diagnostic, treatment and care services. However, if you already have a cancer diagnosis then private medical insurers are unlikely to cover it as it will be a pre-existing condition, or they may restrict or limit cover and they may also require you to pay a higher premium.
Again these will vary depending upon your insurer, the policy you have chosen and the treatments relevant to the particular form with which you’ve been diagnosed. Typically policies will offer cover:
At Chase Templeton we’re experts in understanding and explaining to you the ins and outs of private health insurance policies. If you’re at risk of cancer or are just looking for a policy that will cover you whatever the situation, we can help – Contact Us today.