I’ve been looking into life insurance and wondering if it actually covers cancer. It seems like a lot of people are affected, and I just want to be sure. Anyone know how it works, especially with Critical Illness Cover?
Yeah, life insurance does cover cancer if it’s the cause of death or a terminal illness diagnosis. Critical Illness Cover can help too, but it depends on the type of cancer and how advanced it is.
Leighton said:
Yeah, life insurance does cover cancer if it’s the cause of death or a terminal illness diagnosis. Critical Illness Cover can help too, but it depends on the type of cancer and how advanced it is.
Thanks for that! Does anyone know if all types of cancer are included under Critical Illness Cover?
@Whitney
Not all cancers are covered. They usually exclude pre-malignant or non-invasive cancers. You should check the policy booklet for more details.
@Whitney
Got it. I guess the specifics depend on the insurer too, right?
Whitney said:
@Whitney
Got it. I guess the specifics depend on the insurer too, right?
Yeah, exactly. Every insurer has different terms, so it’s important to check with them directly.
I heard that some types of skin cancer might not be covered unless they spread beyond the outer layer of skin. Anyone else come across this?
Huxley said:
I heard that some types of skin cancer might not be covered unless they spread beyond the outer layer of skin. Anyone else come across this?
You’re right. Malignant melanoma isn’t covered unless it’s spread or gone deep into the skin. It’s always about how advanced the cancer is.
Huxley said:
I heard that some types of skin cancer might not be covered unless they spread beyond the outer layer of skin. Anyone else come across this?
Makes sense. They really focus on the severity of the cancer.
Anyone know if you can still get life insurance after surviving cancer? I’ve heard it depends on how long it’s been since treatment.
Shay said:
Anyone know if you can still get life insurance after surviving cancer? I’ve heard it depends on how long it’s been since treatment.
Yes, you can get life insurance, but it depends on the type of cancer and how long it’s been. They’ll look at your medical history and you might pay higher premiums.
Has anyone added Critical Illness Cover to their life insurance? Is it worth it?
Alton said:
Has anyone added Critical Illness Cover to their life insurance? Is it worth it?
I added it for extra peace of mind. It covers serious conditions like cancer, and the payout can help with medical bills or adjusting your lifestyle if needed.
Alton said:
Has anyone added Critical Illness Cover to their life insurance? Is it worth it?
That sounds helpful, especially if recovery takes a long time. I might look into adding it.