Life Insurance for those who have had testicular cancer may be available at standard terms depending upon the severity of the condition and the time that has passed since the last treatment for the condition. Where the cancer was low grading/staging and there has been some time since your last treatment, normal terms may be available with most insurers. Where testicular cancer was diagnosed as high grading/staging and treatments have been recent it is likely that your policy will be accepted at non-standard terms (a premium increase); a longer timeframe since treatment may result in you being eligible for normal terms of cover.
Critical Illness Cover for people who have had testicular cancer may also be available at standard terms or with an exclusion if the condition was of a low grading/staging and a set period of time since the last treatment. Where the cancer was recent and/or of a high grading/staging it is possible that the insurer may offer you Critical Illness Cover at non-standard terms. This can include a cancer exclusion to the policy claims set or a specific testicular cancer exclusion, it is also possible that cover may be declined or postponed for a number of years.
When you apply for Income Protection testicular cancer will be assessed by the insurer in regards to the grading/staging of the cancer, any lasting complications that you have and the time that has passed since your last treatment. For Income Protection primary focus is placed upon the time since you last had the cancer and finished your treatment. When there has been a longer timeframe since treatment you may be able to secure Income Protection cover at standard terms or cover with an exclusion. If the testicular cancer has been recent and/or has been of a high severity then the insurer may choose to place a cancer exclusion on the policy, increase the policy premiums or turn down cover for a specified number of years.
If you find that the terms provided for Income Protection are not suitable for you then you may wish to consider Accident, Sickness and Unemployment Cover. An Accident, Sickness and Unemployment policy will provide 12-24 months of income protection if you are unable to work due to disability, severe illness or are made involuntarily redundant. These policies are accepted without details of your medical history, meaning that your testicular cancer will have no bearing on the policy premiums that you pay. However your medical history will be reviewed at the point of a claim being made and will exclude anything related to testicular cancer.
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Testicular cancer typically affects young to middle-aged males and is often linked to a genetic predisposition to the condition or as a complication of undescended testes. Testicular cancer is typically diagnosed following the presence of a lump in the scrotum that is confirmed by medical professionals to be germ cell cancer (seminoma or non-seminoma cancer); alternatively other more rare forms of cancer may be found. It is recommended that males check their testicles for any changes at least once per month.
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