Fortunately, Jane’s skin cancer was caught early so her Consultant thinks the tumour on her back can be removed. But…
Jane’s critical illness policy won’t pay out. Apparently, early stage skin cancer is not covered.
However, given that she needs surgery and there’s a small chance the cancer might spread, it still feels critical to Jane.
Jane is not alone
Source: www.nhs.uk, January 2020
While other providers won't pay out for low-risk non-melanoma skin cancers, we’ll pay out 10% of the sum assured up to a maximum of £50,000. We'll also pay out 25% of the sum assured up to a maximum of £50,000 for high-risk non-melanoma skin cancers. This makes us the only provider that will pay out on all malignant cancers.
What’s more, if the skin cancer reoccurs and develops to meet our definition for a full pay out, we’ll make a further payment of the full sum assured.
So, don’t recommend the critical illness cover the portals put first.
Recommend the critical illness cover that puts your client first.
To view our Critical Illness Protection definitions in detail, visit our main website.
To find out more about what makes a Guardian policy a better policy, book a product briefing with one of our Account Managers.
Simply complete our online booking form and we’ll call you back.