Frequently Asked Questions

All cancers are covered except those that you may have suffered from prior to the start of the policy. These include: 
  
Cancer

1. Early stage cancers which have not spread 
2. Skin cancer other than malignant melanoma
3. Any malignant tumour characterised by the uncontrolled growth and spread of malignant cells and invasion of tissue in a primary site
4. Leukaemia
5. Hodgkin’s lymphoma and Non-Hodgkins lymphoma
6. Early stage cancer within the breast which has not spread 
7. Malignant melanoma

       
What this insurance covers 
 
The following table shows the benefits covered by this policy subject to the conditions set out in the Claims Conditions section and the exclusions set out in the 'What's not covered' section below.
  

BENEFITS	WHAT WE COVER
Cancer benefit A – cash benefit payable on diagnosis of cancer 1 or 2	£1,000
Cancer benefit B – cash benefit on diagnosis of cancers 3 to 7	£25,000 / £50,000 / £75,000 / £100,000
Hospital Benefit - if you are required to be admitted to hospital as an inpatient as a result of a covered cancer we will pay a benefit.	£50 per day up to a maximum of £4,500

 
Children are covered free.

Any malignant tumour characterised by the uncontrolled growth and spread of malignant cells and invasion of tissue in a primary site

1. Leukaemia
2. Hodgkin’s lymphoma and Non-Hodgkins lymphoma
3. Early stage cancer within the breast which has not spread
4. Malignant melanoma

We will not pay cancer benefit A or B:

1. if you are diagnosed as having cancer within the waiting period or if you receive medical advice, have symptoms or tests, or receive any medication or treatment, for cancer within the waiting period.
           
   We will not pay any benefit:
          
2. for the cancer for which you are claiming if you have been diagnosed with the same cancer before your effective date or for any cancer directly or indirectly caused by any pre-existing condition or for any cancer if you experienced symptoms prior to your effective date.
    
3. based on a diagnosis made by an insured person or a member of the insured person’s family.
   
4. for any tumours which are histologically described as pre-malignant.

The full exclusions are shown in the Policy Document

Yes. However you will not be covered for any cancer you have been diagnosed with before your effective date or any secondary cancer arising as a result of a previously diagnosed cancer. Therefore if you have been diagnosed with cancer before you may not receive the cover you need.

Yes, if you have not been previously diagnosed with cancer you would be eligible for cover.

Treatment for pre-cancerous cells may be due to a pre-existing condition and therefore you may not be covered if you go on to develop invasive cancer at that site. If you have completed your treatment for the pre-cancerous cells, and returned to routine screening, you would be eligible for cover.

Children are covered for the same cancers as adults AND are not covered for pre existing cancers.

Customers must be aged between 18 - 69, and a resident in the UK. Children are covered free.

£25,000 cash payout for invasive cancers with Standard Cover or £1,000 for related early stage cancers which have not spread.
 
£50,000 cash payout for invasive cancers with Premier Cover or £1,000 for related early stage cancers which have not spread.
 
£75,000 cash payout for invasive cancers with Platinum Cover or £1,000 for related early stage cancers which have not spread.
 
£100,000 cash payout for invasive cancers with Platinum Plus Cover or £1,000 for related early stage cancers which have not spread.
 
Hospital benefit for all over night hospital stays required as a direct result of your diagnosis of cancer.
 
Emotional support from the Oncology Team provided by Red Arc. This includes a personal nurse adviser who is available by telephone for dedicated help, advice and support for as long as you need it and:

1. up to 5 FREE telephone sessions with a specialist counsellor
2. or a residential course of complementary therapy at The Penny Brohn Centre in Bristol
3. or a programme of therapy or counselling for you and your family
4. access to our 24 hour helpline.

The Cancer Care Plan also includes the Oncology Support Service provided by Red Arc. Our specialist oncology team can provide information and advice about cancer, including benefits, allowances, grants and work related issues. They can pass on information about appliances and equipment or specialist clothing you may need as well as advice on nutritional supplements. If you require it they can arrange therapy or counselling for you and your family as well as providing a link to other support services such as local hospices, support groups or charities.

Yes, you can cancel your policy at any time. If you cancel within 30 days of receiving your policy (or within 30 days of the start date shown on your schedule if this is later) you will be entitled to a full refund of that premium. We will provide the refund to you within 30 days from the date we receive your notice of cancellation.
   
If you cancel after the 30 day period there will be no refund of premium on a monthly paid contract. If you paid an annual premium a proportionate amount of your premium will be refunded on cancellation after 30 days, as long as no claim has been made.
  
You can cancel your policy by phone on 020 8662 8195 or in writing to: CancerCare, 96 George Street, Croydon CR9 1BU.

No medical is required to be accepted on the Plan.

We are unable to provide advice as to the suitability of the insurance Plan for your circumstances.

Yes, when you move into the next five year age band. You will be notified in writing before your premium increases.

Provided you continue to pay the premiums, your cover can continue until the premium due date following your 75th birthday.

The money will go to your legal representative.

Your free gift will be sent within 28 days of your first premium payment being received.

Yes. You will be charged the smoker premium rates but the benefits of the Plan are the same.

Yes.

0845 070 1988 Customer/Claims helpline 8.30am to 5.30pm Monday to Friday.

You can notify us of a claim either by phone on 0845 070 1988 or in writing to: CancerCare,
96 George Street, Croydon CR9 1BU.

Yes. It is free from income tax, under current legislation, but may be subject to inheritance tax and other taxes.