We appreciate that being told that you have basal cell carcinoma can be a worrying time. The last thing that you want is to find it more difficult to secure a life insurance policy. We don't believe it should be a hassle, so we've worked hard to help people in that situation to find the most appropriate policy.
Some typical questions that we will ask you:
It's important to bear in mind that, for many people, basal cell carcinoma is a one off event. If this applies to you, then there's a possibility of insurance on standard, or near standard, terms.
However, if you've had multiple BCCs, then you're likely to find it more difficult to get an insurance policy at standard terms. In these instances, an insurer will generally want to see a GP report in order to get a view on the severity of your condition and your overall health. But even with multiple BCCs, it is possible than you may be able to get a policy with higher premiums, or we can look at specialist cover for you.
We simply want to make it easier for you to get life insurance, regardless of your basal cell carcinoma. So speak to one of our team members who'll be able to advise you on the information that will be required and will work to find the best policy for you.
Applications for critical illness cover when you have, or have had BCC, will be looked at in much the same way as life insurance applications above. The important factor is whether the BCC is or has been a one off, or whether you've had multiple instances. With one off instances, standard terms are often readily available. In other cases, the cover may be offered with increased premiums or with exclusions around basal cell carcinoma. But don't worry, it is our job to search the market and find the best terms for you.
It's a similar story when it comes to income protection for those who have had basal cell carcinoma. Your insurer will need information about whether your BCC was a one off or multiple instances. And particularly for income protection, you'll be asked about any time off work you have had as the result of the condition.
As you will know, BCC will rarely require any prolonged periods of absence from work, so policies will generally be available, though certain exclusions may apply. The good thing is that income protection is one of the most flexible insurances that can be arranged, it can be built to suit your exact needs. It's our job to find one that's the right fit for you.
Those who have had Basal Carcinoma will need to declare this when applying for travel insurance for any holidays or escapes! Find out more by visiting our travel page here.
What is Basal-Cell Carcinoma
Basal-cell carcinomas are thought to primarily be the result of excess exposure to UV rays, family history of cancer and genetics. For some, the use of proper sunscreen measures to prevent burning and excess exposure to UV rays can help to reduce the risk of being diagnosed with the condition.
Also: BCC, non-melanoma skin cancer, nodular, superficial, mophoeic, pigmented
Linked with: Squamous cell carcinoma (SCC), Gorlin's Syndrome, xeroderma pigmentosa and albinism
Possible Effects on Lifestyle
Some potential problems and symptoms experienced by individuals who have had basal-cell carcinoma include:
Medications and Treatments
Further Reading and Research
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