Cancer Cover
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Cancer Cover in UK
According to Cancer Research‘s latest statistics, cancer is the most fearful condition we all fear. The most common question our brokers get asked frequently is if private medical insurance covers cancer diagnoses and treatments. The quickest answer is YES, health insurance policy will cover all types of cancer.
Undoubtedly, the NHS is one of the best for cancer treatment and care. However, with current waiting times, private health insurance cancer cover in the UK will give you quick access to diagnose and treat cancer earlier at the choice of hospitals you want.
With private health insurance cover you will get access to a wider range of medications that are not yet available on the NHS. Let’s look closer at how can you benefit from health insurance cancer cover in UK.
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What is Cancer Cover?
Cancer is the most devastating diagnosis of all time. With COVID-19 screening, diagnostics treatments and research have been distributed massively. This caused both short and long-term implications, especially for the NHS system. As such, we believe this is the best time to look into health insurance coverage than ever before. Cancer coverage health insurance gives you the freedom to choose hospitals you want to be treated and consultants you want to be seen by and gives you peace of mind and control over your treatments. Most health insurance providers include cancer coverage as part of their core, known as inpatient coverage.
Cancer Coverage health insurance is designed to cover you if you are diagnosed with primary cancer. It allows you to access private treatments for cancer quickly skipping lengthy NHS waiting times. This also includes forefront drugs and procedures that are not yet available or too costly for the NHS. Your health insurance will provide you with every possible support throughout your journey including palliative treatments if your cancer becomes incurable.
Is cancer cover included in your health insurance?
To find out if your health insurance policy covers cancer, read through your policy documents or seek professional advice from a health insurance advisor or provider directly. Most UK health insurance providers will cover primary cancer as core cover. However, to reduce your premium, some insurers might ask you to downgrade your cancer treatment to NHS, which means any treatments for your cancer will be excluded from your policy.
On the contrary, some insurers might not cover some types of cancer or specific experimental therapies. Bear in mind, if a cancer you have already been diagnosed with comes back, this will not count as primary cancer and won’t be covered. We strongly recommend gathering as much information as possible before taking out a health insurance policy so that you will have a smooth and stress-free experience when it comes to a claim. Lastly, to secure your health needs, it’s wise to buy private medical insurance in the UK after thorough research.
What can health insurance cover for you in cancer?
Every health insurance provider in the UK has a different approach when it comes to covering cancer treatment costs and therapies, so it’s difficult to say what exactly is covered under your policy. However, all insurers cover treatments that are included with your health insurance policy.
What will be included with your health insurance in case of cancer depends on the type of policy you chose, the table below explains what is covered with your comprehensive cancer cover:
| Treatments | Comprahensive Cancer Cover * |
|---|---|
| Diagnostics and Tests | Full |
| Private consultations | Full |
| Drugs not available with NHS, potential experimental drags | Included |
| Inpatient and outpatient treatments | Full |
| Digital GP access | Depending on your health insurance provider (4,5,10) |
| Physiotherapy | Full |
| Chemotherapy, radiotherapy and side effect treatments | Full |
| Cash back for the cost of wigs and prostheses | Differs from provider to provider (300,£500) |
| Surgical and targeted treatments | Full |
| After treatment care and counselling | Included |
| Home nursing access | Included with some providers |
| Reconstructive surgery | Included with some providers |
Which health insurance providers offer cancer cover?
Private medical insurance, also known as health insurance, can protect you against the cost of private healthcare. Taking out health insurance can give you faster access to diagnosis and treatments, especially when it comes to preventing or treating cancer at early stages. Most health insurance policies include some cancer coverage. However, coverage may differ from insurer to insurer. To ensure comprehensive cancer care, consider exploring options to buy cancer insurance in the UK.
The comparison of top UK’s health insurance providers for cancer coverage are stated below:
- Chemo/radiotherapy
- Genetic testing to match chemotherapy
- Hormone therapy
- Bone-strengthening drugs
- Bone marrow / stem cell transplants
- Bypass GP and go directly
- NHS Cash Benefit- £100 per night up to 35 nights per year if you opt out for NHS treatments
- Cash back for wigs and prostheses
Note. Bupa does not pay charitable donations towards end of life / palliative care in a hospice.
- Chemo/radiotherapy/options for home treatment
- Bone-strengthening drugs
- Bone marrow / stem cell transplants
- Preventative treatments
- NHS Cash Benefit-£100 per night up to 28 nights per year if you opt out for NHS treatments
- Up to £500 for wigs and £5000 for prostheses
- Hospice donation
- Monitoring and follow up
Note. Aviva does not pay for harmony therapy unless its medically necessary.
- Chemo/radiotherapy/options for home treatment
- Genetic testing to match chemotherapy
- Hormone therapy
- Bone-strengthening drugs
- Bone marrow / stem cell transplants
- Hospice donation £100
- NHS Cash Benefit
- Up to £500 for wigs and £5000 for prostheses
Note. Axa will pay for any drags not routinely available with NHS if policy was downgraded
- Chemo/radiotherapy/options for home treatment
- Hormone therapy
- Bone-strengthening drugs
- Bone marrow / stem cell transplants
- NHS Cash Benefit-£150 per night up to 30 nights per year if you opt out for NHS treatment
- Monitoring and follow up
- Hospice donation £250
Note. The Exeter does not cover preventative treatment
- Chemo/radiotherapy/options for home treatment
- Hormone therapy
- Scalp cooling to reduce hear loss
- Bone-strengthening drugs
- NHS Cash Benefit £125 per night (up to a maximum £2,000) for inpatient and £125 for day patient treatments
- Up to £500 for wigs and £5000 for prostheses
- NHS Cash Benefit
- Up to £300 for wigs, up to £200 for mastectomy bras and up to £5,000 for external prostheses
- Chemo/radiotherapy/options for home treatment
- Genetic testing to match chemotherapy
- Hormone therapy
- Bone-strengthening drugs
- Bone marrow / stem cell transplants
- Hospice donation £100 for every night
- NHS Cash Benefit
- Up to £500 for wigs and £5000 for prostheses
What is excluded from health insurance cancer coverage?
Most UK health insurance providers, when offering the best cancer insurance cover in UK, will often exclude pre-existing cancer. Any conditions you had in the five years preceding the purchase of a policy will be excluded. Some insurers may exclude the cancer for five years if you remain free of symptoms, drugs, and treatments; in some situations, it may be excluded permanently. For example, if you had any symptoms previous to purchasing a health insurance policy and then got any sort of cancer connected to those symptoms after buying a policy, the cancer will not be covered. There may also be other exclusions that apply to your cancer coverage:
- Even if drugs and treatments that are not usually available on the NHS are covered with your cancer cover, all insurers will exclude experimental drugs and therapies that are not licensed for use in the UK.
- Your cancer insurance will cover the majority of types of cancer. However, some insurance companies will exclude treatments for cancer such as non-melanoma skin cancer or prostate cancer unless NHS experts urge active treatment.
General health insurance exclusions
Most health insurance plans will exclude:
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