Life Insurance for those who have had thyroid cancer may be available at normal terms if the cancer was low grading/staging and not recent. Thyroid cancer that was classified as high grading/staging and/or has required recent treatment may see your Life Insurance policy offered at special terms; a premium increase. When there has been recent treatment for thyroid cancer the insurer will likely decline your application and postpone any offer of cover until a number of years have passed.
Critical Illness Cover for people who have had thyroid cancer may be accepted with a cancer exclusion to the policy. The terms that will be offered will be based upon the staging/grading of the thyroid cancer, any lasting complications that you have and the time since your last treatment. Thyroid cancer that was low staging/grading and has not required recent treatment may make you eligible for special terms, that will likely involve a cancer exclusion on the policy. If the thyroid cancer was particularly severe or quite recent the insurer may decline or postpone your application until a future date when they can consider cover.
Terms for Income Protection for those who have had thyroid cancer will be highly dependent upon the amount of time that has passed since the last treatment for the condition. The insurer will want to know the staging/grading of the cancer and any lasting complications that you have. When a significant amount of time has passed since the last treatment it is possible that you may be able to secure Income Protection at standard terms. If your thyroid cancer was particularly aggressive and/or you have had recent treatment it is likely that the insurance provider may choose to place a cancer exclusion on your policy claims set. In cases of more severe cancer or very recent treatment the insurance provider may decline cover or recommend that they postpone your application until a longer period of time has passed.
Should you find that the terms for Income Protection do not match your needs then you may wish to consider Accident, Sickness and Unemployment Cover. An Accident, Sickness and Unemployment policy will provide 12-24 months short term income protection in the event that you are unable to work due to disability, severe illness or are made involuntarily redundant. Accident, Sickness and Unemployment policies do not take into account your medical history at the time of application, that means the policy premiums will not change based upon your thyroid cancer. You should be fully aware though that any claim that you make will exclude anything related to your thyroid cancer.
Some potential problems experienced by individuals who have had thyroid cancer include:
Anxiety of the return of cancer
Regular thyroglobulin testing
Medications and Treatments
Bleomycin sulphate (Bleo-Kyowa)
Computerised tomography (CT) scan
Fine-needle aspiration cytology (FNAC)
Lanreotide acetate (Somatuline)
Magnetic resonance imaging (MRI) scan
Radioactive iodine treatment
Replacement hormone therapy
Thyrotropin alfa (Thyrogen)
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Thyroid cancer usually presents as a small painless lump at the front of the neck and is more common in women than males. There is no specific one cause for thyroid cancer but it is believed that it can be caused by a genetic predisposition to the condition, prior breast or thyroid illness, being overweight, exposure to radiation or an overproduction of growth hormones. Thyroid cancer is usually treat with a combination of surgery and radiotherapy.
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