You can view a transcript for this CuraVision Cancer video here.
When you apply for Life Insurance, basal cell carcinomas will need to be detailed to the insurer. The insurer will be interested in whether the condition was an isolated event, or if there have been frequent episodes how regularly they have occurred and the location of the carcinomas. Basal-cell carcinoma Life Insurance should be available at standard rates if the condition has been a one-off event. Where you have been diagnosed with multiple carcinomas it is likely that an insurance company will want to contact your GP for further information before offering cover. In many circumstances however cover will still be available.
When you apply for Critical Illness Cover, basal-cell carcinoma will be assessed by the insurer in a similar way to that of Life Insurance. Singular diagnoses can sometimes result in standard policy terms being offered. A medical history of multiple basal-cell carcinomas will probably result in your policy being accepted at non-standard rates, with either an increased policy premium or exclusion.
Income Protection for people who have had basal-cell carcinomas will again be underwritten in a similar manner to the above policies. You will generally find that a single instance of carcinoma will have little bearing on your application, with the policy accepted at normal terms in many circumstances. Multiple carcinomas will be reviewed by the insurance provider that you approach and you will likely find that policy terms that are offered come with an increased premium and/or exclusion.
Do you need travel insurance? It is important to find out what a travel insurance will cover you for, when it comes to the basal-cell carcinoma. Make sure that you have the right cover in place, by visiting our dedicated travel insurance page here.
Possible Effects on Lifestyle
Some potential problems experienced by individuals who have had basal-cell carcinoma include:
Avoidance of sunlight
Medications and Treatments
Photodynamic therapy (PDT)
For more information on specific health conditions, pastimes, occupations and countries please select here:
Request a Callback
By clicking on submit I / We give consent for you to call me / us on the number provided to discuss my / our financial requirements.
Talk to a Friendly Adviser
Please feel free to call us on 0800 567 7450 and one of our qualified insurance advisers will be happy to assist you.
Basal-cell carcinomas are thought to primarily be the result of excess exposure to UV rays, family history of cancer and genetics. For some, the use of proper sunscreen measures to prevent burning and excess exposure to UV rays can help to reduce the risk of being diagnosed with the condition.
Other Services Available
You can apply for any of the following services through ourselves
By clicking on the link(s) above you will be departing from the regulatory site of Special Risks Bureau. The Special Risks Bureau (Cura Financial Services) is not responsible for the accuracy of the information contained within the linked site(s).
We are specialist high risk insurance advisers who are dedicated to helping everyone get the insurance that they need.
The materials in this website are in no way intended to offer medical advice. Please consult your doctor if you notice medical symptoms or feel ill.
Information regards taxation levels and basis of reliefs are dependent on current legislation, individual circumstances are not guaranteed and may be subject to change.
Special Risks Bureau is a trading style of Cura Financial Services Ltd, which is authorised and regulated by the Financial Conduct Authority.
The Financial Conduct Authority does not regulate trusts.
The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services businesses aren't able to resolve themselves. To contact the Financial Ombudsman Service please visit www.financial-ombudsman.org.uk.
Cura Financial Services Ltd is Registered in England and Wales, Number 8478749, 2 Station Approach Offices, Filey, North Yorkshire, YO14 9PF