Life Insurance for those who have had non-Hodgkin lymphoma may be available at standard terms provided that a certain amount of time has passed since the last treatment; this will usually be a number of years. The types of treatment that were undertaken and the staging/grading of the tumour will also be taken into account by the insurer when they assess your application and decide if you are able to have a policy at normal or non-standard terms. If a plan is offered on non-standard terms then the premiums are likely to be high for a number of years and then brought down once sufficient time has passed. The insurer will want to see a report from your doctor to confirm the severity of the condition and the time since you last received treatment.
When you have had non-Hodgkin lymphoma Critical Illness Cover can be available with some insurers once it is a sufficient number years since your last treatment. It is likely that you will have a cancer exclusion placed on your policy, this is what is known as a special (non-standard) terms. The insurer will ask for a report from your doctor to establish the full extent of your condition: staging/grading of tumour, treatments undertaken, lasting complications and time since your last treatment. Please note that for high grading/staging lymphoma Critical Illness Cover may not be available.
If you have had non-Hodgkin lymphoma an application for Income Protection will need to detail the staging of the cancer, treatments undertaken and time since the last treatment. Where the lymphoma has been classed as low staging and a good number of years have passed you may be able to secure Income Protection at standard terms. A higher staging lymphoma and/or a case where little time has passed since treatment may lead to the policy being accepted with a premium loading, cancer exclusion or not offered at all.
Alternatively you may wish to consider Accident, Sickness and Unemployment Cover that can provide 12 to 24 months of income replacement in the event that you are unable to work due to disability, serious injury or involuntary redundancy. An Accident, Sickness and Redundancy policy is not medically underwritten at the time of the application, meaning that your previous condition will not have a bearing upon the policy acceptance terms or premium. You must be fully aware that whilst this is the case, any claim that you make will be medically underwritten and existing conditions excluded.
Some potential problems experienced by individuals who have non-Hodgkin Lymphoma include:
Wait-and-see forms of treatment
Side effects of chemotherapy and other forms of treatment
Low self-image following surgery
Medications and Treatments
Bone marrow test
Lymph node biopsy
Monoclonal antibody therapy
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Non-Hodgkin lymphoma occurs when a lymphocyte cell (white blood cell) becomes abnormal and is primarily diagnosed when a group of these cells congregate in a lymph node and develop into a tumour. These tumours affect the normal function of the gland that they are present in, increasing the risk of infections. Non-Hodgkin lymphomas are categorised as high-grade (aggressive) or low-grade (indolent) and can be found anywhere in the lymphatic system; most commonly the neck, liver and spleen. The condition is usually classed as B-cell or T-cell lymphomas based upon the types of lymphocyte cells that are affected.
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