Following the recovery of some types of leukaemia, you may be able to find normal terms on your Life Insurance. Insurers will want to know how much time has passed since you were diagnosed with leukaemia, if it has caused any lasting symptoms and the length of time since you finished treatment. It is possible that after specific time periods have passed, usually a number of years since the treatment for leukaemia has ended, that normal terms may be offered.
If treatment for leukaemia has been in recent years then it is likely that any offer of Life Insurance that you receive will be offered at a higher premium. For those who still have leukaemia or find that the terms for Life Insurance on the standard market are not suitable, it may be possible to arrange cover with an exclusion for leukaemia related claims.
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Critical Illness Cover
Critical Illness Cover when you have had leukaemia may be available after a number of years post treatment. If sufficient time has passed and you have fully recovered from the leukaemia you could have access to normal terms for Life Insurance with some providers.
Depending upon the severity of the leukaemia that you had and the time since you were diagnosed with the condition, it is possible that you may need to look at specific insurers who are able to consider your application. In this case it may be that Critical Illness Cover is available at a higher monthly premium or with an exclusion for cancer related claims.
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When you have had leukaemia, Income Protection may be available depending upon the amount of time since diagnosis and treatment has ended. After a number of years since treatment has ended you may be able to secure Income Protection at standard terms. It is important that you look for an Income Protection policy that offers you cover on an 'own occupation' basis, giving you the strongest claim definitions for this type of insurance.
For those who have had leukaemia more recently, where income protection is available, it is likely to come at a higher premium and/or an exclusion to the policy claims set.
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If you find that the terms of Income Protection on offer do not suit you, it is possible to take out an Accident, Sickness and Unemployment (ASU) policy instead. This policy is for those who are unable to work because of a severe illness, disability or being made voluntarily redundant. It provides short term income replacement between 12 and 24 months and is not medically underwritten. This means that the policy premiums and terms of acceptance will not be affected by you having had leukaemia. If you make any claim, however, it will exclude inability to work due to the leukaemia.
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Leukaemia Travel Insurance
Are you planning on going on holiday? It is important that you make your travel insurance company fully away of your medical history before you travel. We work alongside a specialist travel insurance broker who can arrange cover for most medical conditions. If you have had leukaemia and need travel insurance, get your no obligation quotations here.