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.
Some potential problems experienced by individuals who have had basal-cell carcinoma include:
Avoidance of sunlight
Medications and Treatments
Photodynamic therapy (PDT)
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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.
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