All Inclusive Cancer Care
Cancer is the biggest cause of death in the UK and one is three people are likely to develop it but getting health insurance for cancer it is not as simple as it seems as there are great variations in the level of cover that you get from different medical insurance companies.
As outlined in Health Information Insurance cancer care is expensive and companies appreciate that not everyone can afford the premiums that need to be charged for comprehensive cover.
Do you want unlimited cover so that you do not need to stop private treatment and return to the NHS?
Most companies do not offer treatment once your cancer becomes incurable. It is then treated as a 'chronic' condition which medical insurance companies do not cover. If you then need palliative care there are even less companies that will cover your care.
Only three companies offer unlimited cover: Bupa, PruHealth and The Exeter Friendly Society.
Exeter Friendly Society
This health insurance company works on a co-payment scheme where you can agree to pay a percentage of your treatment costs (which is capped) which then means that your premiums are lower. The insurance they offer covers all health problems. What is significant about them is that they offer full cover for cancer care as well.
The Exeter Friendly Society also cover you to stay with a child in hospital up to the age of 18. If you have children this is a very important point as most companies only cover you when your child is 11 or twelve.
Costs for a 42 year old, non-smoker of average weight
No Co-payment: £ 98.45
25% Co-payment: £ 87.25
50% Co-payment: £ 70.44
75% Co-Payment: £ 42.44
There are advantages and disadvantages to co-payment schemes which need to be carefully considered.
Bupa
Bupa offer unlimited cover on a specific policy known as their Bupa Select Heart and Cancer Policy. It has no restrictions other than a £500 allowance for physiotherapy a year and £60 only per ambulance trip to take you to treatment facilities.
Bupa only give quotes to individuals and do not provide online quotes. However offering this specific cover enables them to keep the costs of this policy down.
PruHealth
Pruhealth offers the most comprehensive health insurance for cancer on the market. They even cover experimental treatments and complimentary treatments which other insurers do not cover. Their policies are general health insurance products which cover all conditions not just cancer.
Costs
40 year old female
Core: £68.13
Essential: £82.17
Comprehensive: £101.17
40 year old male
Core: £63.64
Essential: £76.82
Comprehensive: £95.33
As outlined in Health Information Insurance cancer care is expensive and companies appreciate that not everyone can afford the premiums that need to be charged for comprehensive cover.
Do you want unlimited cover so that you do not need to stop private treatment and return to the NHS?
Most companies do not offer treatment once your cancer becomes incurable. It is then treated as a 'chronic' condition which medical insurance companies do not cover. If you then need palliative care there are even less companies that will cover your care.
Only three companies offer unlimited cover: Bupa, PruHealth and The Exeter Friendly Society.
Exeter Friendly Society
This health insurance company works on a co-payment scheme where you can agree to pay a percentage of your treatment costs (which is capped) which then means that your premiums are lower. The insurance they offer covers all health problems. What is significant about them is that they offer full cover for cancer care as well.
The Exeter Friendly Society also cover you to stay with a child in hospital up to the age of 18. If you have children this is a very important point as most companies only cover you when your child is 11 or twelve.
Costs for a 42 year old, non-smoker of average weight
No Co-payment: £ 98.45
25% Co-payment: £ 87.25
50% Co-payment: £ 70.44
75% Co-Payment: £ 42.44
There are advantages and disadvantages to co-payment schemes which need to be carefully considered.
Bupa
Bupa offer unlimited cover on a specific policy known as their Bupa Select Heart and Cancer Policy. It has no restrictions other than a £500 allowance for physiotherapy a year and £60 only per ambulance trip to take you to treatment facilities.
Bupa only give quotes to individuals and do not provide online quotes. However offering this specific cover enables them to keep the costs of this policy down.
PruHealth
Pruhealth offers the most comprehensive health insurance for cancer on the market. They even cover experimental treatments and complimentary treatments which other insurers do not cover. Their policies are general health insurance products which cover all conditions not just cancer.
Costs
40 year old female
Core: £68.13
Essential: £82.17
Comprehensive: £101.17
40 year old male
Core: £63.64
Essential: £76.82
Comprehensive: £95.33
Labels: health insurance, health insurance for cancer, medical insurance
posted by Insurance News at
2:05 AM
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