Critical Illness Cover Payouts for Breast Cancer
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Breast cancer is a condition that many women worry about. It is one of the most common cancers experienced by females today and it now seems to be rare that you do not know someone who has experienced breast cancer. This guide aims to provide you with an understanding as to the types of insurance that are available for breast cancer.
Critical Illness Cover is available from a range of insurance providers that all offer different levels of cover for different conditions; including advanced forms of cancer, heart attacks and Parkinson’s disease, amongst others.
Non-invasive and in-situ breast cancers are not covered as a standard condition within modern Critical Illness Insurance policies. Most breast cancer diagnoses are classed as non-invasive and in-situ, so you need to bear this in mind when you take out your policy. However many of the better Critical Illness policies available recognise the importance of these conditions, and offer a partial payout following your treatment for the condition (subject to eligibility).
Breast cancer cover in the comparison below is defined as Ductal Carcinoma in Situ of the breast (DCIS). It should be noted that most policies will payout in full if the breast cancer is aggressive and advanced.
| Insurer | Payout* | Payout taken from policy benefit | Childrens cover for the condition |
|---|---|---|---|
| Aegon Scottish Equittable | 20% or £20,000 | No | No |
| Ageas | 12.5% or £12,500 | No | Yes |
| Aviva | 20% or £20,000 | No | Yes |
| Bright Grey | 20% or £15,000 | No | No |
| Friends Life | 12.5% or £12,500 | No | Yes |
| Legal & General | 25% or £25,000 | No | Yes |
| Liverpool Victoria | 12.5% or £12,500 | No | Yes |
| PruProtect** | 25.00% | Yes | Comprehensive policy only |
| Scottish Provident | 20% or £15,000 | No | No |
| Zurich | 20% or £15,000 | No | Yes |
* Payouts figures will be the lower of the two options based upon the benefit sum assured of your policy.
** Update: This product is now Vitality Life and not PruProtect. Please note that this policy is called Serious Illness Cover.
Each insurer has a different claims criteria for this condition, some will pay only after a full mastectomy has occurred, others will pay if surgery to remove the tumour has happened. You must read the Key Features Document that accompanies your policy pack to ensure that you are fully aware of the claims criteria your insurance provider uses.
As always feel free to give us a call on 0800 567 7450 if you have any questions or if you would like help getting cover. If you would like to read more about the different types of protection insurance available when you have had cancer click here.
More Information
- To see our video on arranging Life Insurance after cancer, click here.
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