Life Insurance for those who have had ovarian cancer will be reviewed by the insurer you approach with primary focus upon the staging/grading of the cancer, the presence of any lasting complications and the time since your last treatment. Where the cancer was classified as low staging/grading and a long period has passed since your last treatment, Life Insurance may be available at normal terms. If the ovarian cancer was classed as high staging/grading and/or you recently had treatment it is possible that the insurer will offer you policy terms at non-standard rates. Very recent instances of cancer may result in cover being postponed for a number of years from last treatment.
When applying for Critical Illness Cover ovarian cancer will need to be fully detailed to the insurer in regards to the severity of the condition, the time since your last treatment and any complications you are left with. Any offer of Critical Illness Cover that you have will likely come with some form of a cancer exclusion.
Terms for Income Protection for those that have had ovarian cancer will again be dependent upon the grading/staging of the cancer, the amount of time since you underwent treatment and any lasting complications that you currently experience. Where the cancer occurred some time ago Income Protection may be available at standard terms, depending on the staging/grading. Where the cancer has caused lasting complications, was of a significantly high severity and there was recent treatment, Income Protection may be subject to non-standard terms. This may involve a cancer exclusion and/or a premium increase.
When the terms of Income Protection are not suitable for you may wish to consider Accident, Sickness and Unemployment Cover. An Accident, Sickness and Unemployment policy will provide short term income protection of between 12-24 months if you are unable to work due to disability, severe illness or are made involuntarily redundant. This type of policy is not medically underwritten which means that your ovarian cancer will have no bearing on the acceptance terms. Any claim that you make will exclude anything related to your ovarian cancer and you should familiarise yourself with exactly what you are and are not covered for.
Some potential problems experienced by individuals who have had ovarian cancer include:
Recovery from surgery
Medications and Treatments
Abdominal fluid aspiration
Blood test (CA125)
Doxorubicin hydrochloride (Doxorubin)
Epirubicin hydrochloride (Pharmorubicin)
Melphalan (Alkeran tablets)
Melphalan hydrochloride (Alkeran injection)
Total abdominal hysterectomy
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Ovarian cancer is usually diagnosed in women who have been through the menopause and is thought to have potential links to high levels of egg production during ovulation. Ovarian cancer may be due to a genetic predisposition for the condition; including the BRCA1 and BRCA2 genes. The symptoms of ovarian cancer are similar to other conditions and it may take some time for a correct diagnosis to be reached.
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